Deneault & Greyard

06/01/2026

A home warranty may make sense, but you need to set proper expectations.

05/29/2026

"I left my job, what should I do with my old 401(k)?"

Generally, you have a few options:

1. Leave it where it is

Many employer plans allow former employees to keep their money in the plan. This can make sense if:

• Investment options are good

• Fees are reasonable

• Your plan has special features that are not available elsewhere

2. Roll it into your new employer’s plan

If your new company offers a 401(k), you may be able to consolidate everything into one place. Potential advantages:

• Easier to track

• Fewer accounts to manage

• Your new plan may have lower fees and/or better investment options

3. Roll it into an IRA

This may provide more investment options and potentially more flexibility. Things to consider:

• Investment choices

• Fees and expenses

• Creditor protection in your state

• Withdrawal rules

One thing I’d generally avoid when possible: cashing it out. The taxes and penalties can be significant.

We have a tool we use to help our clients compare retirement plan costs, investment options, and plan features. Before making a decision, make sure you really understand the pros and cons of your options.

05/29/2026

Congress passed SECURE 2.0, a new set of retirement rules to make saving and accessing funds for retirement easier. Check out the major provisions of the law.

A timeline covering a few of the major provisions of the SECURE Act 2.0.

05/27/2026

Information vs. instinct. Are your choices based on evidence of emotion? This piece helps answer those questions.

Information vs. instinct. Are your choices based on evidence of emotion?

05/25/2026

The roof protects your home against nature’s risks. Is your personal wealth protected against life's risks?

Building wealth requires protection from the forces of wealth destruction.

05/22/2026

Terrible or wonderful; Could a variable annuity be right for you?

Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about if annuities are right.

05/20/2026

Three important questions to consider before you start taking.

When to start? Should I continue to work? How can I maximize my benefit?

05/18/2026

Common reason a couple hires a financial advisor:

One spouse handled finances for 20+ years. At a certain point, things got too complicated.

The non-involved spouse doesn't know if they are on track.

The involved spouse doesn't want to leave a mess behind if something happens to them.

Many of the families we work with say they waited longer than they should have. Once everything is simplified and everyone understands the plan, the stress goes down pretty quickly.

05/18/2026

A disability could keep you from work and increase costs. How can you protect yourself?

In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.