Smooth 401k

10/14/2026

Social Security cost-of-living adjustment (COLA) to be the highest in 5 years in 2027.

Social Security benefits and Supplemental Security Income (SSI) payments for more than 76 million Americans will increase 3.6% in 2027. On average, Social Security retirement benefits will increase by $75 per month.

With inflation still persistent over the past year, the Social Security Administration (SSA) announced this morning that the increase in the Social Security cost-of-living adjustment for 2027 will be the highest in five years.

Baltimore, MD - The Social Security Administration (SSA) today announced a 3.6 percent benefit increase for 2027. Social Security benefits include Old-Age, …

10/13/2026

A 1% increase in your retirement contribution probably won’t change your paycheck much.

Over time, it can dramatically change your retirement outlook.

Take a look - your future self will thank you.

09/22/2026

The Smooth 401K team is excited to be at Kalahari Resort for the 2026 Ohio HR Conference hosted by Ohio SHRM State Council, an affiliate of the Society for Human Resource Management (SHRM)!

With this year's theme being “Prescribe. Empower. Refill.”, we're all about equipping business owners and HR professionals with 401(k) solutions and the tools, resources, and support they need to help their people thrive.

Looking forward to connecting with HR leaders, sharing ideas, and talking all things retirement readiness. Stop by Booth 76 and say hello to the Smooth Crew!

09/15/2026

The Smooth Crew was proud to participate in the Strongsville Community Tailgate event last Friday!

We believe that supporting the communities we’re part of goes beyond business. It’s about showing up, connecting with others, and investing in the people around us.

A big thank you to everyone who stopped by to see us!

08/25/2026

We go beyond 401(k) enrollment.

At Smooth 401K, we offer monthly education webinars to plan sponsors and plan participants for ongoing learning.

This month’s topic addressed 529 plans. A common misconception is that 529 plans can only be used for college tuition, when actually 529 plans are flexible. Account assets can be used to pay for many qualified education expenses, including tuition expenses for K-12 public, private or parochial schools, student loan repayments, room and board, mandatory fees, books and supplies, and more.

Topics that matter and education that sticks. That’s how we turn participation into confidence.

08/19/2026

Congratulations to our 2026 interns, Patrick Lavelle and James Kosmides, on successfully passing their SIE exams!

As they wrap up their Smooth internships, we’re proud to celebrate this important milestone and the dedication, preparation, and hard work it took to get there.

Our firm is pleased to cover the cost of the SIE program for each of our interns, supporting their professional development and helping them take an important step toward building their careers in financial services.

Beyond passing their exams, they made meaningful contributions to our team throughout the summer. We’re grateful for their energy, curiosity, and commitment…and proud of everything they accomplished.

Congratulations Gents, and best wishes for all that comes next!

08/10/2026

We’re excited to welcome Autumn Harvey to the Smooth Team!

As Operations Manager, Autumn leverages more than 10 years of experience across financial advising, banking, and operations. Her well-rounded industry background allows her to bridge the gap between strategy and ex*****on, ensuring a smooth experience for clients and strong support for the team.

Known for her commitment to efficiency and service, Autumn is dedicated to making the implementation of financial plans straightforward and stress-free. She holds multiple financial industry licenses and brings a client-first mindset to everything she does.

Beyond the office, Autumn enjoys gardening, cooking, hiking, horseback riding, and exploring new destinations. A passionate traveler, she often documents her adventures through photography.

Join us in welcoming Autumn to the Smooth Crew!

08/05/2026

A great retirement plan isn't just about numbers - it's about people.

Our approach at Smooth 401K is simple:
Educate. Engage. Empower.

From in-person meetings to ongoing education and personalized retirement readiness insights, we help employees turn confusion into confidence.

Because when your team feels prepared for the future, everyone wins.

That's just part of the Smooth Difference.

07/28/2026

If you're between ages 60 and 63, you may have an opportunity to boost your retirement savings. Under the SECURE 2.0 Act, eligible employees can make higher 401(k) catch-up contributions than the standard age-50 catch-up limit, helping those nearing retirement save more during their peak earning years.

It's a good time to review your contribution elections and make sure you're taking advantage of every savings opportunity available.

Were you aware of this enhanced catch-up provision?

07/21/2026

Do you have a retirement account still in the 401(k) plan of a former employer? Several options exist for what you can choose to do with those funds, including:

-Rolling the balance into an IRA
-Leaving the money in your former employer’s plan (if permitted)
-Rolling the balance into a new employer’s retirement plan (if permitted)
-Taking a distribution from the account

Every situation is different, and the best choice depends on your financial goals, tax considerations, and long-term retirement plans.

Let us know how the team at Smooth can help!