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Montanti Advisory Services, LLC


The Gen X Savings Crisis: How Plan Sponsors Can Help

According to a December 2023 survey from Schroder’s, nearly half of non-retired Gen Xers, those born between 1965 and 1980, have not done any retirement planning whatsoever. Moreover, they report a savings gap of over $450,000 between what they say they’ll need and what they project they’ll have.
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Fed Rate Decision: Implications for Sponsors

In September, the U.S. Federal Reserve announced it would hold interest rates steady for now but signaled at least one more hike may lie ahead before the end of the year. Moreover, rates are likely to stay elevated, as the Fed also indicated it expects fewer cuts than previously forecast for 2024
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Design a Retirement That Excites You

Whether you’re eager to find a new passion or want to sip a cool drink on your day at the beach, retirement presents the opportunity to reset your rhythm. To make the most of the upcoming years, the trick is to decide what interests you want to pursue.  #bucketlist
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Leveraging ChatGPT in Retirement Plan Management

Plan sponsors can harness the immense power and utility of generative AI to provide better support to plan participants, but they must do so only after putting prudent processes and safeguards in place. # ChatGBT #retirementplanmanagement
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Hardship Distributions Surge: Strategies for a Troubling Trend

Bank of America’s June 2023 Participant Pulse study reveals nearly 16,000 participants withdrew money to cover a financial hardship in Q2 of this year — up 36% compared to the same quarter in 2022. In this challenging environment, how can plan sponsors support participants who may be struggling with high debt and help them avoid raiding their retirement savings to stay afloat? #401k #montantiadvisoryservices #401kplan #fiduciary #financialadvisor #bocaraton
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Your Plan Fiduciary Must-Do and Should-Do Lists

When you’re a plan fiduciary, you are, of course, prioritizing what ERISA law requires of you. You have a checklist of Must-Dos. But there is also a list of things that you can do proactively that will keep the plan—and plan fiduciaries—out of trouble. These tasks aren’t required by law, but they are certainly worth deciding whether you want them to be on your Should-Do list. So here are some things to remember that you must do and some related things to consider.
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Is Your Retirement Plan "Catchy?"

Employers can help close the retirement savings gap by deploying several smart strategies aimed at increasing catch-up contributions. Here are a few ideas to consider implementing at your organization.
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Pet Adoption @ Artwalk Hollywood TNT Bar & Grill. August 19th

Join us on August 19th at Artwalk Hollywood TNT Bar & Grill for a heartwarming event that brings together the worlds of art and compassion. Discover the perfect addition to your family as we host a Pet Adoption day, where furry companions seeking forever homes will melt your heart. Don't miss this opportunity to make a difference while enjoying the vibrant atmosphere of Artwalk Hollywood. #montantiadvisoryservices #petadoption
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SECURE Act 2.0: Key Changes for 2024

To most, the SECURE Act 2.0 appeared to predominantly outline optional changes that go into effect over the span of 10 years. However, there are a few mandatory changes taking effect in 2024 that plan sponsors will need to comply with.
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Estimating Your Retirement Income Needs

Retirement planning is not an exact science. Your specific needs depend on your goals and many other factors.
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Employees Want Financial Planning Support — and Aren’t Afraid to Ask for It

Providing personalized financial benefits and resources that address workers’ unique needs, organizations can create a culture of financial stability and empowerment, and help foster a mutually beneficial relationship where employees feel supported — and employers thrive in their business objectives.
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Meatball, Director of Client Relations