Mayon Finance

Your best executive just got a call from a competitor — and the offer includes a retirement package yours can’t match. That’s the moment most companies realize they needed a Supplemental Executive Retirement Plan yesterday. Standard 401(k)s top out at $23,500. For an executive earning $400,000, that’s pocket change. Meanwhile, the 2026 IRS Roth mandate … Read more

If you’re clearing $250,000 or more a year and still relying on a 401(k) as your primary retirement vehicle, you’re leaving a significant amount of money on the table — and handing it straight to the IRS. A cash balance retirement plan is one of the most powerful, and most underused, tax-reduction tools available to … Read more

If you work for a government agency, a school district, or a nonprofit — and you’ve been staring at “401(a) Retirement Plan ” on your benefits paperwork without really understanding what it means — you’re not alone. Most employees with this plan have no idea how powerful it actually is. And that’s exactly why they … Read more

Imagine spending 25 years climbing the corporate ladder, reaching a C-suite salary of $500,000 or more — only to discover that your retirement income will replace barely 20% of what you earn today. That’s the cold reality for thousands of highly compensated executives across America. The standard 401(k) plan was designed for the average worker … Read more

If you’ve been researching financial advisors or thinking about leveling up your own finance career, you’ve probably stumbled across the term chartered retirement planning counselor (CRPC). At first glance, it sounds like just another credential in a sea of financial acronyms—but this one plays a very specific role. Here’s the reality: retirement planning in the … Read more

  You’ve spent decades in the classroom. You’ve bought supplies out of your own pocket, stayed late grading papers, and showed up every single day — even on the hard ones. The least California can promise you is a retirement that actually holds up. That’s exactly what the California State Teachers’ Retirement System (CalSTRS) is … Read more

Most families start researching a continuing care retirement community the wrong way. They wait until there’s a crisis — a fall, a diagnosis, a hospital discharge with nowhere to go and then they’re making one of the biggest financial and lifestyle decisions of their lives under pressure, in a matter of days. That’s the thing … Read more

Retirement planning has always been about balance between tax savings today and flexibility tomorrow. But in 2026, a growing number of high income savers are discovering that what once looked like smart strategies such as maxing out 401(k)s and executing early Roth conversions have created unintended consequences. Why Some 2026 Retirement Savers Regret Aggressive 401(k) … Read more

A small business 401k is one of the smartest ways to save for retirement while reducing taxes. Whether you run an LLC, startup, agency, or work for yourself, the right 401k for small business helps you build long-term wealth and create better employee benefits. What Is a Small Business 401k? A small business 401k is … Read more

If you’re a business owner trying to set up retirement benefits, a small business 401k is one of the most powerful tools available. It helps reduce your taxes, improves employee retention, and positions your company as a serious employer—even if you only have 5 to 10 employees. This guide walks you through costs, providers, and … Read more

You’ve worked for 35 years, paid into Social Security with every single paycheck, and planned your retirement around a certain monthly number. Then one day, Congress decides there’s a limit on what you can collect — no matter how much you contributed. That scenario isn’t hypothetical anymore. A serious proposal is gaining traction in Washington … Read more

Retaining top-tier executive talent is one of the greatest challenges facing modern businesses. While traditional retirement plans like 401(k)s and pension funds provide a foundation for employee retirement security, they often fall short when it comes to rewarding your most valuable executives. This is where a supplemental executive retirement plan (SERP) becomes a game-changing solution. … Read more

The present value formula has become essential for anyone involved in financial planning, investment analysis, or business valuation. When you examine this formula closely, one variable stands out as particularly important—the exponent. Understanding what the exponent represents, how it works, and why it matters can transform your ability to make informed financial decisions that align … Read more