retirement savings Archives - Everhart Advisors

Employee Memos

401(k) Check-ins Can Help You Stay on Track

In many ways, saving through your employer-sponsored retirement plan has never been more convenient. Automatic enrollment, auto-escalating contributions, and target date funds…

Employer Newsletters

The Unique Retirement Planning Considerations of “Single Savers”

It’s been widely reported that the marriage rate among Americans has declined sharply in recent decades. According to the Census…

Employer Newsletters

Household Spending Data Reveals Participant Borrowing Patterns

New data suggests individuals’ decisions to take 401(k) loans are driven less by discretionary spending needs and more by day-to-day…

Employee Memos

You Can Now Save More in Your 401(k). See Why That Matters.

Most people don’t look forward to annual IRS announcements the same way they do the next season of their favorite…

Employer Newsletters

Auto Portability: Helping Reduce 401(k) Leakage After Job Changes

The Problem: Cash‑Out Leakage and Lost Accounts American workers now hold an average of more than 12 jobs over the…

Employer Newsletters

The New Reality of Retirement: When Competing Priorities Take Over

For many workers today, saving for retirement feels almost bleak. According to the 2025 Goldman Sachs Retirement Survey, 42% of…

Employer Newsletters

How Legislation, Location, and Longevity Are Shaping Retirement Readiness

Retirement planning starts with numbers such as savings targets, contribution rates, and investment returns. These kinds of foundational metrics guide…

Employer Newsletters

Rising Hardship Withdrawals Putting Retirement at Risk

A growing number of workers are raiding their employer-sponsored retirement plans to cover emergency expenses, highlighting an alarming trend in…

Employer Newsletters

Amazon Faces Allegations of Mismanaged Funds

Amazon.com Inc. and the administrative committee overseeing its 401(k) savings plan have been hit with a class-action lawsuit alleging improper…

Employer Newsletters

DOL and IRS Provide Hurricane Relief Guidance

The Department of Labor (DOL), in partnership with the Internal Revenue Service (IRS), released a statement in November detailing disaster…

Employer Newsletters

New 401k Rules: Balancing Access and Savings

When considering short-term funding options, participants are often advised to avoid tapping into their 401(k) accounts through loans or hardship…

Employer Newsletters

What the DOL’s AI Guidance Means for Plan Sponsors

The U.S. Department of Labor (DOL) recently released voluntary guidance emphasizing the importance of ethical and transparent use of artificial…