Weaver, Ware & Martin Wealth Management and Advisory Services

From contribution limits to withdrawals, many employees share the same questions about 401(k)s, and we’ve got the answers to help you give your team the right information to help them make informed decisions.

Swipe for answers to a few common 401(k) questions.

We’re here to help employers with every aspect of their 401(k) plan. If you have any needs or questions, give us a call, and we can connect.

Life can be unpredictable, but your family’s future doesn’t have to be. Life insurance helps safeguard your loved ones from financial uncertainty and gives you the peace of mind that they’ll always be cared for. What’s more, many policies offer a financial cushion you can draw on during your lifetime.

Choosing your life insurance policy is a big decision; don’t go it alone. Our team is here to guide you through the process, avoiding cookie-cutter solutions and ensuring you find the right policy for your lifestyle and budget.

Want to explore your options? Call our office today. We are here to help.

Late 401(k) deposits can create big compliance headaches for employers. If an employer is late to deposit an employee’s contribution, the employer could face significant penalties from both the Internal Revenue Service (IRS) and the U.S. Department of Labor (DOL).

Swipe through for more information on :

➡️ What the IRS and DOL require for timely deposits.
➡️ Why late deposits can lead to penalties.
➡️ How to correct mistakes, and prevent them going forward.

Staying on top of contribution timing protects both your employees and your 401(k) plan. If you have questions or need assistance, please don't hesitate to give us a call. We’re here to help you stay compliant.

Want higher 401(k) engagement this year? Here are some practical moves that help encourage more employees to enroll, stay in the plan, and save smarter.

Have questions about how to engage your employees further or want to explore your 401(k) options? Call our office, and we can talk through your options.

During this month of love, we are sharing a timely reminder: love is priceless, but relationship milestones aren’t. For those in love and on a budget, here is an overview of key relationship costs:

💘 Date night reality check: The average American will spend about $2,279 on dates in a year.
💘 Ring talk: The average cost of an engagement ring in 2025 was about $5,000, with about 33% of Americans spending less than $3,000.
💘 Wedding budget ballpark: The average wedding costs about $33,000 in 2025, with the average cost-per-guest coming to $284.
💘Honeymoon spending: Over the past few years, the average cost of the honeymoon has lingered around $5,000, though the exact cost will depend on the destination and length of stay.
💘Home-buying costs: For many Americans, purchasing a home is a common step after tying the knot. In 2025, the median list price of a home was $405,967.

If you want to discuss an investment strategy to help support these milestones, call our office. We’ll help you make sure your financial picture can accommodate these events.

This February 8th will mark not just one of the biggest nights in sports, but also one of the most influential economic events of the year. As we look ahead to the big game, we’re breaking down the numbers that shaped the event in 2025.

Swipe through to see the key financial stats, spending trends, and economic impact behind the most-watched event in the country.

Wishing each of you an enjoyable game — whether you’re watching the football, focusing on the commercials, or in search of the best gameday snack!

If you’re looking to attract and retain top talent in the new year, adding a 401(k) plan or revisiting your current offerings could be a smart move.

Offering retirement benefits can help your business:

✅ Stay competitive in today’s job market.
✅ Boost employee satisfaction and retention.
✅ Offer tax advantages for both you and your team.

401(k)s can serve as an investment in your employees — and your company’s future. Give us a call, and we can go over your options.

Today, we’re sharing new and old 401(k) rules that you can use to help improve participation, take advantage of tax credits, and make retirement benefits work harder for your team.

Need help putting a plan in place? Give us a call, and we can talk about next steps.

If you’re thinking about retirement, you might be considering Social Security benefits as part of your plan. But you might not realize that you could be preparing now to help increase your benefit later.

Here are some key Social Security strategies that could help maximize your benefit more — and bring you greater peace of mind down the road:

✅ Work at least 35 years - Social Security is based on your 35 highest-earning years. If you’re only a few years off of this target, you may want to consider working until you hit the 35-year mark.

✅ Consider additional earning opportunities - Raises, promotions, or side gigs that increase your income can count toward a higher future benefit.

✅ Check your earnings record - Errors or missing income can shrink your future payments. Review and correct them through your My Social Security account.

✅ Wait until full retirement age - Claiming Social Security benefits early can reduce your monthly amount for life. Waiting until your full retirement age can pay off.

✅ Consider delaying benefits - For every year you delay past your full retirement age, your benefit increases. Depending on your personal health and financial needs, delaying your Social Security benefits can help you earn more as you age.

While these strategies may work for some, it’s important to discuss the best approach for your unique situation with a financial advisor.

That’s where we come in. Give us a call today, and we can discuss a holistic wealth management strategy that considers current needs and future goals.

The new year is a perfect time to revisit financial goals and make any necessary adjustments for the year ahead. To help you start 2026 off on the right foot, we’re sharing a few key steps to consider.

For personalized wealth management guidance, call our office today to schedule a New Year portfolio review.