Apex Insurance Advisors, LLC

08/26/2026

12/24/2025

Year-end charitable giving can be both meaningful and tax-efficient. To qualify for a deduction this year, contributions must be made to an eligible 501(c)(3) organization by December 31.

12/19/2025

Recent updates to Required Minimum Distribution (RMD) rules provide an opportunity to review your current strategy. It may also be a good time to confirm your beneficiary designations and distribution options are up to date.

12/14/2025

Consider funding a Roth IRA or converting a traditional IRA or employer-sponsored plan to a Roth account. You’ll need to pay income taxes on your Roth contributions, but your distributions will not be subject to income tax.

12/09/2025

Contributing to tax-deferred retirement accounts such as 401(k)s, 403(b)s, or IRAs can be an effective way to reduce taxable income.

At year end, consider reviewing your contribution levels. Individuals age 50 or older may be eligible to make catch-up contributions.

12/02/2025

Is cashing out your 401(k) the right move? It can be tempting to see your savings as a quick source of cash, but cashing out may result in penalties and taxes.

Before taking this option, please talk to a financial professional. There may be other ways to solve the financial need to cash out—options with fewer negative consequences. From immediate financial needs to long-term consequences, this decision requires careful consideration. Cashing out resets the power of compound interest, which reduces the impact of our greatest ally in preparing for retirement.

Let’s talk about your retirement plan options to help you make the best decision for your long-term success. Learn more about managing a 401(k) after a job change with this free guide: Take Charge of Your 401(k).https://46535774.fs1.hubspotusercontent-na1.net/hubfs/46535774/1847_JCK_Brochure.pdf

11/25/2025

Have more than one 401(k) at previous employers? On average, American’s change jobs every 4.1 years, according to Zippia, so it’s likely you’ve been through this process before…and you’ll eventually need to do it again. So, option three might be a good fit for you.

If the money is moved directly from your 401(k) plan administrator to the IRA provider, no taxes are due on the assets that you move, and any new earnings accumulate tax deferred.

A rollover IRA might be the best option for you, but once again, understand the fees, investment choices and other important considerations…and how those compare to your previous plan.

There’s a lot to consider. Working with a financial professional can help find the right fit for you. Let’s talk!

#401(k)Options

11/21/2025

Market volatility is part of the investing process. More than 7 times a year investors should expect pullbacks of 3 percent and, at least once a year (since 1928), investors should be prepared for a 10 percent correction. When viewed from a historical perspective, recent market activity isn't as abnormal as one might think.

11/18/2025

Moving your old 401(k) into your new employer’s 401(k)? That can help simplify your life. It’s easy to lose track of multiple accounts and statements, and failing to modify your investment strategies to keep up with your needs can undermine your long-term financial success.

However, you don’t want to take a step backward…moving from a great plan to a plan that is not so great. How do the two plans compare? What are the fees, investments and other options in your new employer’s plan?

Another important point: After moving your old 401(k) into your new 401(k), they cannot be removed unless you have a qualifying event.

Learn about the four options available for managing your 401(k) after a change job in this short guide:https://46535774.fs1.hubspotusercontent-na1.net/hubfs/46535774/1847_JCK_Brochure.pdf

Reviewing your plans with a financial professional can make this process much easier. Let’s talk!

#401(k)Options

11/11/2025

Managing your 401(k) after a job change is important. You may be able to keep your 401(k) with your previous employer after you leave the company. This is definitely the easiest option after changing jobs, but it may not be the best option for your financial success.

It’s best to understand all of your options. What can you do with that 401(k) after you leave the company? Don’t simply go with the easiest one option. Find the one that puts you in the best position to retire successfully.

Here’s an easy way to evaluate all four of the options available for managing your 401(k) after a job change. Take a quick glance at this guide:https://46535774.fs1.hubspotusercontent-na1.net/hubfs/46535774/1847_JCK_Brochure.pdf