If you enjoy our content, don’t forget to connect with us on Facebook, Linkedin, and X. Explore even more financial planning resources, community stories, and insights designed to keep you informed and inspired.

Year-End Reminder: Please note our offices will be closed all day on Dec 26th. We encourage you to reach out later this week if you have any questions or need assistance with year-end transactions. We’re here to help ensure your financial needs are met before December 31st.

Rethinking Retirement Benefits

Pooled Employer Plans (PEPs) are revolutionizing how small businesses approach retirement benefits, offering an efficient alternative to traditional 401(k) plans. While conventional plans can often overwhelm small businesses with high administrative costs, fiduciary risks, and compliance complexities, PEPs can be structured to help alleviate these burdens.

By pooling resources under a single plan, employers share fiduciary responsibilities with a Pooled Plan Provider (PPP), reducing risk and streamlining operations. PEPs can also often grant access to experienced advisors, cost-efficient investment options, and customizable features, enhancing employee outcomes and satisfaction. For businesses navigating tight budgets and limited expertise, adopting a PEP has potential to help strengthen overall business success.

It’s never too early—or too late—to refine your strategy. Let’s talk about the best way to align your financial goals with your business vision. Contact us with your questions to get started.

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SOARing in 2025

SOAR Together, Inc., based in Fairfield County, Connecticut, is a nonprofit organization dedicated to combating loneliness and social isolation through meaningful connections and purpose-driven engagement. Grounded in the belief that positive social connections foster belonging and self-esteem, SOAR’s innovative programs address this growing epidemic by empowering participants to engage in service opportunities that uplift both givers and receivers.

Through artistic, occupational, recreational, and social programs, SOAR spreads kindness, love, and dignity across communities. It is as simple as that and we appreciate that this organization’s unique approach delivers measurable improvements in individual and community wellness, making a lasting impact that aligns with our firm’s values of service and connection.

We are planning a February 2025 event with our firm volunteering and helping SOAR to spread the message. To learn more, visit SOARtogetherct.org or click the link below.

Learn More Here

LPL Plan Comparison Guide

As the year comes to a close, we are once again sharing the LPL Plan Comparison Guide to help our individual and small business clients make informed decisions about retirement planning.

With detailed information on contribution limits, plan features, and eligibility standards, the guide provides clarity amidst the complexities of retirement plans and the many fact sets that accompany each retirement option. We encourage you to review the guide to ensure your plans align with your goals. Please reach out to us with questions regarding your retirement or your financial plan.

Click below to review the guide.

LPL Plan Comparison Guide

Important Disclosures

^{This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change.}

^{Moneco Advisors, LLC and LPL Financial are not affiliated with any other referenced entity.}

^{This commentary reflects the personal opinions, viewpoints and analyses of the Moneco Advisors employees providing such comments, and should not be regarded as a description of advisory services by Moneco Advisors or performance returns of any Moneco Advisors client. The views reflected in the commentary are subject to change at any time without notice. Nothing in this commentary constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Moneco Advisors manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.}

^{All stock photo images by Freepik.com}