Good Vibrations Brian Wilson and Mike Love (1966) When Brian Wilson, the genius behind the music...
For Individuals
June Market Commentary
Is “Everything gonna be alright”?Everything’s Gonna be Alright- David Lee Murphy and Kenny Chesney (2018) It would be naïve to think that one month of rallying US stocks would mean that markets are back on track and there is nothing to worry about. Remember that to...
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Saving for the Unexpected
7 out of 10 Americans say financial stress is their most common cause of stress. TCG is here to help you prepare and avoid using credit cards or short term loans. Here are 3 steps to prepare you for a better financial future: Start with a budget. Document how much you...
What is Dollar Cost Averaging?
Dollar cost averaging is an investment strategy that can be used to alleviate risk. Investors invest a fixed dollar amount into an investment at a set interval to spread out the purchase over time. The investment typically continues each and every month over a long...
Practice Portfolio Distancing
This is clearly an eerie and unsettling time. We face not just a health crisis, but, as economic activity has slowed, if not stopped altogether, the very real prospect of a recession is here. During times of uncertainty and instability, it's natural for investors to...
Bonds in the Bear Market
The Bear is here! Unfortunately, the reality is we’re all scared of Bears (unless you’re from Chicago—then you may be a fan). The longest bull market on record is over and now comes the opportunity to look towards the next—no matter how long or short the current bear...
New: Track Your Distribution Status
We’re excited to introduce our new Distribution Tracker widget designed to help you stay informed about your request every step of the way. Gone are the days you had to call and speak to an Agent to get an update on the status of your paperwork. How it works is...
What to know about the SECURE Act
The SECURE Act ("Setting Every Community Up for Retirement Enhancement Act of 2019”) was passed in 2019 and took effect on January 1, 2020. The Act is a bi-partisan piece of legislation passed by Congress in an attempt address the lack of retirement savings among...
Advisors Weigh In: How to Increase Participant Contribution Rates
Source: Financial Advisor IQ What’s the most effective tool you’ve used to help increase contribution rates? Dennis Bielik works at TCG Advisors, a firm based in Austin, Texas that has been in business for 20 years and manages $3.5 billion. His response is below:...
2020 IRS Retirement Plan Contribution Limits
The IRS has released the Annual Plan Limitations for 2020 for defined contribution and defined benefit plans. The 403(b), 457(b), & 401(k) elective deferral limits, catch-up limits and other key limits for 2020 have changed and are listed below. ...
Return to the Wild West for Texas 403(b) Plans?
Written by Mike Cochran Eighteen years ago, the Texas Legislature implemented what could arguably be described as the best system in the U.S. for regulating 403(b) plans in Texas public schools. In 2019, the Legislature dismantled that system. The Legislature...
A Beginner’s Guide to College Funding
Written by: Matt EscalanteWe all know kids can be expensive when you add up the costs for everyday essentials such as food, clothing, daycare, etc. (just to name a few). The moment a child is born, the clock starts ticking on developing a proper plan for one of the...