Blog

What Is A PEP?

May 16, 2025
How Small Businesses Can Save Big with Pooled Employer Plans (PEPs)
A man and a woman are sitting on a couch in a living room.

Your Partner Isn’t Saving for Retirement – Now What?

May 13, 2025
Saving for retirement is typically challenging enough when you're doing it on your own, but what happens when your partner isn't on the same page? Maybe they think saving for retirement can wait. Maybe they believe Social Security will be enough. Or maybe they're simply overwhelmed and don't know where to start. Whatever the reason, when one partner isn't saving for retirement, it can put a real strain on your future plans - and your relationship. The good news? You're not powerless. There are practical steps you can take to help protect your future and encourage your partner to get on board.

What to Do with Your 401(k) during Market Volatility

April 15, 2025
Watching your 401(k) account dip during a market downturn can feel like a punch to the gut. We understand it’s stressful. It’s emotional. And if you’re like most people, your first instinct might be to hit the panic button. But here’s the truth: Panicking is the worst thing you can do when it comes to your retirement savings. Market volatility is a normal part of the investment cycle. Ups and downs happen. What matters is how you respond to them. In this article, we’ll walk you through what not to do and what actions may help you stay on track.

Advisory: Advisory services are offered through Royal Fund Management, LLC, which is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the adviser has attained a particular level of skill or ability. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's investment portfolio. There are no assurances that a client’s portfolio will match or outperform any benchmark.