FAQ's
How much can employees contribute to a 401k in 2026?
For 2026, employees may contribute up to $24,500 to a 401(k) or 403(b) (subject to IRS updates). Those age 50+ may contribute an additional $8,000, and employees ages 60–63 may be eligible for a Super Catch-Up of up to $11,250. Contributions may be made on a pre-tax or Roth basis, if available, and Roth contributions count toward the same limits. Roth IRAs are separate, with limits of $7,500 (under 50) or $7,500, with $1,000 catch up (50+), subject to IRS income rules.
How do Roth 401(k) contributions differ from traditional ones?
Roth contributions are made with after-tax dollars, and qualified withdrawals are tax-free in retirement. Traditional contributions are pre-tax, reducing current taxable income.
What does a financial advisor do?
A financial advisor helps clients create, manage, and achieve financial goals through personalized advice on investments, retirement planning, insurance, taxes, and wealth management.
Who can benefit from working with a financial advisor?
Anyone looking to grow their wealth, plan for retirement, manage a financial transition (like inheritance or divorce), or simply gain clarity about their financial future can benefit from professional guidance.
Are you a fiduciary?
Yes. As a fiduciary, we are legally and ethically bound to act in your best interest at all times, ensuring our recommendations are aligned with your financial goals—not driven by commissions or conflicts of interest.
How do you get paid?
We offer transparent fee structures, including fee-only (based on assets under management).
What should I expect during our first meeting?
The first meeting is a discovery session where we discuss your goals, current financial situation, and concerns. It’s also an opportunity for you to ask questions and see if we’re the right fit.
Is my information kept confidential?
Absolutely. We adhere to strict privacy and data protection policies and are committed to keeping all client information secure and confidential.
Do I need a certain amount of money to work with you?
While some advisors have minimum asset requirements, we offer services designed to support individuals and families at different stages of wealth, including young professionals and retirees.
How often do we meet or communicate?
We typically meet with clients annually, but communication frequency is flexible based on your needs. You’ll also receive timely updates and reports throughout the year.
What services do you offer?
Our services include retirement planning, investment management, tax planning, estate planning, risk management, cash flow analysis, and financial goal setting.
How do you choose investments for your clients?
We build portfolios based on your risk tolerance, time horizon, goals, and tax situation, using diversified, low-cost investment strategies aligned with long-term performance.
Can you help with retirement planning?
Yes, retirement planning is one of our core services. We help you estimate needs, choose the right savings vehicles (e.g., 401(k), IRA, ROTH), and create a sustainable income strategy for retirement.
What happens if the market goes down?
Market volatility is expected. We focus on building resilient, diversified portfolios designed for long-term growth and help clients stay disciplined and avoid emotional decisions during downturns.
Do you work with clients remotely?
Yes. We offer secure virtual meetings, digital document sharing, and online tools so you can access financial planning services from anywhere.
How do I get started?
Simply contact us to schedule a complimentary consultation. We’ll learn more about your goals and explain how we can help you build a plan for your financial future.