401(k) Specialist

401(k) Specialist focuses solely on providing retirement plan advisors with the insights, expert knowledge, and advanced technology they need to thrive in a changing market. Our goal is to help hardworking Americans achieve a secure retirement through effective 401(k) savings options.

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2026 401(k) Contribution Limit Predicted to Increase by $1,000

6 days ago | 401kspecialistmag.com | Brian Anderson

The maximum 401(k) contribution limit—currently $23,500 in 2025—could get a $1,000 boost to $24,500 in 2026, according to Milliman’s latest 2026 Internal Revenue Service (IRS) Limits Forecast, updated on April 14.
Corporate Roundup: Schwab Invests in Wealth.com, Blue Ridge Associates Buys QRPS

1 week ago | 401kspecialistmag.com | Amanda Umpierrez

The Charles Schwab Corporation has made a minority investment in Wealth.com, an estate planning platform in wealth management with aims to modernize how financial advisors help clients of all wealth levels with their estate planning needs. Schwab’s investment is said to help Wealth.com scale its capabilities to make it easier for financial firms and advisors to provide estate planning services to individuals and families.
Younger Investors Favor TDFs, But Knowledge Gaps Persist

1 week ago | 401kspecialistmag.com | Amanda Umpierrez

The latest analysis from the Public Research Retirement Lab (PRRL) finds that while target-date funds (TDFs) have gained popularity with younger investors, the funds remain misunderstood by savers. The report identifies participants who invested in only one investment type as well as those allocating towards multiple forms of investments, finding that while 51% of participants invested in just one, 49% invested in multiple funds.
Supreme Court Supports Cornell Participants in ERISA Suit

1 week ago | 401kspecialistmag.com | Amanda Umpierrez

The U.S. Supreme Court today announced it had sided with retirement plan participants who had previously sued Cornell University for excessive fees in the institution’s 403(b) plan, marking a major win for university employees. In a unanimous decision, Supreme Court justices held that Section 1108 of ERISA outlines affirmative defenses and that plan fiduciaries must both plead and prove that an exemption applies to a prohibited transaction under Section 1106.
1 in 3 in Middle Class Doubt They'll Save Enough for Retirement

1 week ago | 401kspecialistmag.com | Brian Anderson

A third (33%) of middle-class respondents to a survey released today are either not confident or not sure they will have enough retirement savings—and middle-aged respondents reported less confidence about their retirement savings than their younger and older counterparts.
Former Employees Can Lose Thousands to Hidden 401(k) Fees

1 week ago | 401kspecialistmag.com | Amanda Umpierrez

Participants who leave their job without their 401(k) can end up paying thousands of dollars in hidden fees, finds a new analysis out today by online retirement provider PensionBee. According to the findings, former employees can end up paying as much as $18,000 in account maintenance fees on leftover retirement accounts. PensionBee explains that when a participant leaves a job, their employer may choose to charge them fees that had previously been covered by the organization.
Lisa Gomez Shares Fiduciary Red Flags That Draw DOL Scrutiny

1 week ago | 401kspecialistmag.com | Brian Anderson

Past Assistant Secretary of the Department of Labor Lisa Gomez offered some good advice for retirement plan fiduciaries on how to stay off the DOL’s enforcement radar while speaking on a panel at the Qualified Plan Fiduciary Summit in Overland Park, Kan., on Tuesday.
401(k) Loan Size Ticks Up for 2024

1 week ago | 401kspecialistmag.com | Amanda Umpierrez

The average 401(k) loan size grew slightly higher than inflation in 2024, at 4%, according to a new benchmarking report by T. Rowe Price. The report found that loan balances grew to $10,250 in 2024, up from less than $10,000 in 2023. Participants in all age groups also increased their average loan size in their defined contribution (DC) plan, including those nearing retirement age, found the report. In fact, those closer to retirement age had the highest average loan size.
PEP Adoption Boosts Employer Satisfaction with Advisors, Plans

1 week ago | 401kspecialistmag.com | Brian Anderson

Employers report being more satisfied with their retirement plan after joining a pooled employer plan (PEP), and notably expressed a 40% increase in satisfaction with the retirement plan’s advisor after joining a PEP, according to new independent research sponsored by The Standard.
Creative Planning Buys $1B Monterey Private Wealth

1 week ago | 401kspecialistmag.com | Amanda Umpierrez

California-based Monterey Private Wealth has joined registered investment advisor (RIA) Creative Planning, in a move that’s expected to grow the latter’s west coast presence while expanding the former’s suite of services.