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Spectrum Resource Center

Advice, Articles, Events, Insights, News, Newsletters, Opinions, Press Releases, Updates, and More from Spectrum.

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To Roth or Not to Roth

Many business owners are comfortable with the notion of a Roth IRA. We find that far fewer understand and appreciate the benefit of contributing post-tax dollars in a Roth 401(k) account as compared to making traditional pre-tax contributions. In the right circumstances and for the right person, a Roth 401(k) account can deliver significant tax benefits at retirement.
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Understanding Why a QDIA Matters

The continued adoption of auto-enrollment in 401(k) plans has increased the importance of including a Qualified Default Investment Alternative – a QDIA – in the plan’s fund lineup. You may fully understand how a QDIA works as a default investment choice for your employees. But do you also appreciate how your plan’s QDIA provides you specific fiduciary protection?
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Auto-Enrollment and Auto-Escalation

Auto Enrollment and Auto Escalation – highlights “automatic” plan design features that can make a significant difference for employees starting their journey to retirement. Watch this video and download its Action Doc to better understand how auto-enrollment and auto-escalation can be a great tools to help more people achieve a secure retirement.
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Build Wealth While Building a Business | Cybersecurity | 4 Ways to Rethink Plan Education | And More

Our featured article addresses the entrepreneur's dilemma: how can you build retirement wealth while building your business? We also include articles on Cybersecurity and Rethinking Employee Plan Education. Finally, we include our standing "Tax Talk," article, along with ABG updates.