Rooted Planning Group

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Corning, NY
Rooted Planning Group

Rooted Planning Group - formerly Irvine Wealth Planning - is based on a passion for helping people a

10/27/2026

When participation in a 401(k) plan is lower than expected, it can be tempting to assume employees are not interested in retirement benefits. In reality, a lack of enrollment often points to a lack of confidence or understanding rather than a lack of interest.

Here are a few common reasons employees may delay participating:

🔹They are unsure how a 401(k) works or where to begin.
🔹They underestimate the long-term impact of consistent retirement contributions.
🔹They are unaware of valuable plan features, such as employer matching contributions.
🔹They feel overwhelmed by investment decisions and retirement planning terminology.

The good news is that employee engagement can improve when businesses provide ongoing education, resources, and opportunities for employees to ask questions about their retirement benefits.

Want to help your employees better understand and utilize their retirement benefits? Contact us to learn how education-focused strategies can help increase engagement with your 401(k) plan.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

The Legal Stuff: https://www.rootedpg.com/website-disclosure

10/22/2026

Building your savings does not always require major lifestyle changes. Often, a few consistent habits can make a meaningful difference over time. Consider these practical ways to strengthen your financial future:

🔹Automate your savings by directing a portion of each paycheck into a dedicated savings or investment account before you have a chance to spend it.

🔹Set aside funds in your budget for predictable expenses, including taxes, annual bills, or business-related costs, so you're prepared when they come due.

🔹Take a closer look at your spending habits and identify opportunities to reduce unnecessary purchases that may be slowing progress toward your goals.

🔹Review your financial picture regularly. Monitoring your savings, investments, and overall net worth can help you stay focused and make adjustments when needed.

🔹Create specific savings goals for both the short and long term. Having a clear target can make it easier to stay motivated and build momentum.

Everyone's financial journey is different, but developing strong saving habits is a great place to start. If you'd like guidance on creating a savings strategy that aligns with your goals, contact us today.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

The Legal Stuff: https://www.rootedpg.com/website-disclosure

10/21/2026

Industry-standard benefits are not just perks; they are the baseline employees expect and the foundation of a competitive compensation package. Swipe through to learn what they are, why they vary by industry, and why your offerings should align with them.

If you are ready to build a benefits package that works for your team, give us a call today. We are here to help.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

The Legal Stuff: https://www.rootedpg.com/website-disclosure

10/20/2026

For employers and employees alike, the structure of a retirement plan matters just as much as the decision to offer one. One area employers should review carefully is the vesting schedule.
Swipe through for a brief overview of common 401(k) vesting options and why they matter.

Want to review your vesting schedule or other aspects of your plan design? Contact our office today. We would be happy to help you evaluate your options.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

The Legal Stuff: https://www.rootedpg.com/website-disclosure

10/15/2026

When was the last time you evaluated your company's 401(k) plan? A regular benchmarking review can help determine whether your retirement plan is delivering the value, features, and support your employees deserve while helping you meet important fiduciary responsibilities.

Swipe through for a few reasons why benchmarking matters.

Industry guidance often recommends reviewing your 401(k) plan every three to five years to help maintain compliance, competitiveness, and value for participants. Contact us to learn more about benchmarking your 401(k) plan and how a review could benefit your organization.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

The Legal Stuff: https://www.rootedpg.com/website-disclosure

10/13/2026

There are many misconceptions that keep small business owners from offering 401(k)s to their team and themselves. Swipe through as we set the record straight.

Have questions about retirement plan options for your business? Give us a call today. We are happy to walk you through it.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

The Legal Stuff: https://www.rootedpg.com/website-disclosure

10/12/2026

National Savings Day on October 12th is a great opportunity to take a closer look at your financial habits and identify ways to make saving a more consistent part of your routine. In many cases, small, intentional actions can help strengthen your financial foundation over time. Swipe to learn more.

If you would like to discuss savings strategies and financial planning opportunities that fit your goals, contact us today. We are here to support you.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

The Legal Stuff: https://www.rootedpg.com/website-disclosure

10/08/2026

When it comes to employer-sponsored retirement plans, the 401(k) and 403(b) might seem similar, but understanding their differences can help you make the best decision for your team. Swipe through for a breakdown.

Have questions about which plan is right for your organization or how to implement a competitive retirement offering? Give us a call today.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

The Legal Stuff: https://www.rootedpg.com/website-disclosure

10/06/2026

October is National Financial Planning Month, making the month a timely opportunity to revisit a few planning basics, especially as market volatility has been top of mind for many investors. Swipe through for a few tips to help keep the focus on steady, thoughtful planning.

Feel free to share these tips with anyone who may find them helpful. And as always, if you have questions about your current plan or would like to talk through your strategy, please contact us.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

The Legal Stuff: https://www.rootedpg.com/website-disclosure

10/04/2026

The 2027-2028 FAFSA is open as of October 1, 2026. If you or a student you support plans to attend college during the 2027–2028 academic year, it is a good idea to get started on the process early. So, with that in mind, our team wanted to share a few early steps that can help streamline the process:

🔹Create or verify your StudentAid.gov account.
🔹Gather essential financial documentation, including 2025 tax returns, W-2s, and income records.
🔹Determine which parent(s) or contributor(s) will be required to provide information, if necessary.
🔹Review college, state, and scholarship deadlines, as many institutions award aid on a first-come, first-served basis.

While the federal FAFSA deadline is June 30, 2028, many colleges and states set earlier priority deadlines for aid consideration, so submitting your application early can improve access to institutional, state, and need-based aid.

If you have questions about college funding strategies or how education expenses align with your overall financial plan, please contact our office. We are here to assist you.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

The Legal Stuff: https://www.rootedpg.com/website-disclosure

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10 East Market Street
Corning, NY
14830

Website

http://www.rootedpg.com/

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