Blog

Sierra Pacific Financial Advisors Blog. If you see anything that sparks interest or questions, feel free to contact us for discussing.    

Wednesday, May 19, 2021

Everyone loves a winner. If an investment is successful, most people naturally want to stick with it. But is that the best approach? It may sound counterintuitive, but it may be possible to have too much of a good thing. Over time, the...

Wednesday, April 14, 2021

Previously, the Internal Revenue Service (IRS) announced that the federal income tax filing due date for individuals for the 2020 tax year had been automatically extended from April 15, 2021, to May 17, 2021.1More time for allHowever,...

Wednesday, March 3, 2021

Share Class ABCs: Choose Wisely Choosing mutual funds for your retirement plan’s investment lineup can feel like wading through a sea of alphabet soup. Fund companies typically offer multiple share classes, each sporting its own...

Friday, February 12, 2021

By April 19, 2019, 137 million taxpayers had dutifully filed their federal income tax returns.1 And they all made decisions about deductions and credits – whether they realized it. When you take the time to learn more about how...

Wednesday, December 16, 2020

According to Yale University's Crash Confidence Index, only about 27% of investors are confident the stock market will not crash sometime during the next six months.1 But if fear leads investors to avoid the entire investment class,...

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Tuesday, November 24, 2020

Now that several major news groups have projected Joe Biden the winner of the presidential election—and Congress appears divided with Democrats in control of the House and Republicans the Senate—it’s a good time to...

Thursday, September 17, 2020

Asset Allocation If you live in or have visited a big city, you’ve probably run into street vendors – people who sell everything from hot dogs to umbrellas – on the streets and sidewalks. Many of these entrepreneurs...

Wednesday, August 26, 2020

The SECURE Act The Setting Every Community Up for Retirement Enhancement (SECURE) Act is now law. With it, comes some of the biggest changes to retirement savings law in recent years. While the new rules don’t appear to amount to...

Friday, April 17, 2020

Coping with Coronavirus

Tuesday, April 14, 2020

When Will I Receive My Stimulus Check?

Monday, April 13, 2020

Quarantine Google Calendar

Tuesday, April 7, 2020

Homemade Mask

Tuesday, April 7, 2020

No Flour No Problem

Monday, April 6, 2020

Gratitude

Friday, April 3, 2020

The Senate and House of Representatives have passed the Coronavirus Aid, Relief and Economic Security (CARES) Act. The roughly $2 trillion coronavirus response bill is intended to keep businesses and individuals afloat during this...

Tuesday, March 31, 2020

Monday, March 16, 2020

Healthy Sleep Habits in the Time of COVID-19

Friday, February 7, 2020

A break down of the Treasury/IRS notice of proposed rule-making for Multiple Employer Plans https://401kspecialistmag.com/irs-one-bad-apple-cant-spoil-a-401k-mep-bunch/

Friday, January 10, 2020

The Secure Act

Monday, December 2, 2019

SECURE Act Changes

Sunday, November 3, 2019

DC Re-balance

Wednesday, October 2, 2019

Savings by way of Income

Friday, September 6, 2019

Employer Plan Administration

Thursday, August 1, 2019

Plan Sponsor Guidance

Tuesday, July 2, 2019

The use of auto features in 401(k) plans has continued to climb in popularity over the past decade. In fact, auto features such as automatic enrollment and auto escalation are considered best practices in 401(k) plan design as ways to...

Friday, June 7, 2019

If you want to sell your C-suite on paying for an employee financial wellness program, you’ll probably hear this question from your CFO: What’s the ROI? It’s natural for a chief financial officer to ask about the...

Sunday, May 19, 2019

ESG, or environmental, social and governance funds, can be appealing to many investors, including millennials. These funds may be viewed as a proactive way to encourage reluctant and under-prepared millennials to save for retirement....

Friday, May 3, 2019

You may have heard about a “cash balance plan” and wondered whether it would be something advantageous for your business. A cash balance plan operates differently from other types of traditional retirement plans in that it...

Tuesday, April 23, 2019

Choosing mutual funds for your retirement plan’s investment lineup can feel like wading through a sea of alphabet soup. Fund companies typically offer multiple share classes, each sporting its own unique letter. A shares, C...

Wednesday, March 13, 2019

458 Tuning Your Social Security Benefit

Wednesday, February 20, 2019

As many employees look ahead to retirement, 47% of workers feel somewhat confident that they’ll have enough money saved to retire on time and then live comfortably.1 However, forward-thinking employers have the ability to help...

Friday, February 1, 2019

Risky Business: Why Plan Governance Matters Participant-driven lawsuits are on the rise, and employers are facing heightened scrutiny of the way they manage their retirement plans. In today’s continually-evolving regulatory and...

Tuesday, December 4, 2018

Hacked! Is Your Retirement Plan at Risk for a Cyber Attack? Cyber-crime is on the rise worldwide. As a result, growing numbers of organizations are taking critical steps to protect their valuable electronic data from hackers and other...

Friday, November 2, 2018

Plan Sponsor Guide: Understanding 401(k) Loans The recent enactment of the Tax Cuts and Jobs Act of 2017 (TCJA) makes changes to 401(k) loan repayment options, which should prompt plan sponsors and plan administrators to re-evaluate...

Monday, October 1, 2018

The DOL Rule is Dead On June 21, 2018 the 5th Circuit Court of Appeals vacated the requirements of the U.S. Department of Labor’s (DOL) Conflict of Interest Rule—more commonly referred to as the “DOL Fiduciary...

Thursday, August 16, 2018

Locating missing plan participants can be a headache for any employer, but simply ignoring them is not an effective solution. Regulatory agencies in previous years have published guidance on this topic relating to missing...