Rooted Planning Group

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

It is a common misconception that 401(k) plan benchmarking is only necessary during a competitive job market. In reality...
05/28/2026

It is a common misconception that 401(k) plan benchmarking is only necessary during a competitive job market. In reality, regular benchmarking is an essential strategy that can help your plan remain cost-effective, compliant, and aligned with workforce needs and business goals. Swipe to learn more.

Interested in scheduling a benchmark review or seeing how your retirement plan compares to others in your industry? 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

As a new graduate, we know that it can seem daunting to start investing, especially when your finances may be tight. Thi...
05/21/2026

As a new graduate, we know that it can seem daunting to start investing, especially when your finances may be tight. This can lead some new grads to push off investing until the “perfect time” in the future.

Here’s why that can be a bad strategy: Time is one of the biggest advantages we have when it comes to investing. Starting early gives your money more chances to grow — even if you’re only investing a little each month. That growth might not look obvious on a day-to-day basis. But as the years pass, the difference can become much clearer.

You don’t need a lot of money to get started with investing, and starting early can produce many long-term benefits. The most important thing is to start early. Even small contributions to your own investment accounts or employer-sponsored accounts like 401(k)s, over time, can give your money more chances to grow. The sooner you get started, the bigger the impact it can makes to the value of your investment portfolio.

If you want help figuring out what investing could look like for you or have questions about your current strategy, don’t hesitate to reach out. We’re here to help craft an investment strategy that’s right for you.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

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

Large, often random expenses tend to pop up in the working world. Things like car repairs, medical bills, or a security ...
05/19/2026

Large, often random expenses tend to pop up in the working world. Things like car repairs, medical bills, or a security deposit for an apartment can throw your budget off course if you don’t have any money set aside.

Savings can give you a crucial safety net. Even having a small cushion can make those moments, like car breakdowns or surprise medical expenses, easier to handle. Many new grads start by building an emergency fund that covers several months' worth of expenses, then branch out and save for other wants or needs. Starting with small, consistent savings is often the best way to go. For many, the habit matters more than the amount at first.

If you have questions about what kind of savings account or savings strategy makes sense for your situation, don’t hesitate to reach out. We’re here to support your goals.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

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

The college bill is coming. Before you borrow, make sure you understand the full cost, the loan terms, and what repaymen...
05/16/2026

The college bill is coming. Before you borrow, make sure you understand the full cost, the loan terms, and what repayment could look like later. In this Money Roots episode, Amy Irvine shares practical guidance for parents weighing college borrowing decisions. Listen here: https://tinyurl.com/4j8r4mef

"Life is about events, supported by your dollars and cents!" - Amy Irvine

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

If you’re a new graduate, it can be hard to keep track of your inflow and outflow of cash as you juggle paychecks and ne...
05/14/2026

If you’re a new graduate, it can be hard to keep track of your inflow and outflow of cash as you juggle paychecks and new expenses. That’s where budgeting can come in.

Think of a budget as a way to keep your money working for you. A good place to start is with your take-home pay, which is your pay after tax and any deductions, and make sure your essentials are covered. Then you can see what’s left for everything else.

This can look like putting money into “envelopes” or savings categories or simply tracking the numbers in a spreadsheet. Tracking your spending, even just for a month, can be eye-opening and help you better/more fully understand where your money is going.

If you have questions about your current financial picture or want to discuss investment strategies tailored to your goals as a new graduate, don’t hesitate to reach out. We’re here to help guide you.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

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

If you have student loans or other debt after graduation, you’re not alone. Debt is a reality for many college students ...
05/12/2026

If you have student loans or other debt after graduation, you’re not alone. Debt is a reality for many college students after they graduate. Regardless of whether you’re graduating with student loans or credit card debt, making a plan to manage and eventually eliminate your debt can feel overwhelming.

With that in mind, we wanted to share a simple roadmap for starting to address debt post-graduation:

A good way to start managing your debt is to get everything out in the open. List your loans, credit cards, and any other balances so you know what you’re dealing with. While you do this, be sure to pay attention to interest rates and make a plan for how you’ll handle payments each month. When you’re organized, it’s easier to keep debt from getting out of control.

If you have questions about your financial picture or want to talk about investment strategies that can support you as a recent graduate, don’t hesitate to reach out. 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

If you have been reevaluating your 401(k) plan as the year reaches its mid-way point, you might’ve thought about adding ...
05/12/2026

If you have been reevaluating your 401(k) plan as the year reaches its mid-way point, you might’ve thought about adding or revamping an employer matching plan.

Employer match can be great fit for companies that are looking to incentivize employees to participate in their 401(k) plans, increase employee satisfaction, and boost recruitment. However, the specifics of what an employer-matching plan looks like depend on your business's needs and the level of match you can accommodate.

That’s where we come in. We’re here to help identify options designed to meet your team’s needs and stay within your budget. We can talk through the specifics of adding employer matching to your 401(k) plan or revamping a current employer match plan. Give us a call today, and we can get started.
"Life is about events, supported by your dollars and cents!" - Amy Irvine

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

In celebration of Mother’s Day, we want to take a moment to honor the mothers, grandmothers, and maternal figures who en...
05/10/2026

In celebration of Mother’s Day, we want to take a moment to honor the mothers, grandmothers, and maternal figures who enrich our lives with love, wisdom, and unwavering support.

We hope your day is filled with the appreciation, warmth, and joy you so richly deserve.

Happy Mother's Day!

"Life is about events, supported by your dollars and cents!" - Amy Irvine

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

The June 30th Free Application for Federal Student Aid (FAFSA) deadline is rapidly approaching. The information students...
05/07/2026

The June 30th Free Application for Federal Student Aid (FAFSA) deadline is rapidly approaching.

The information students and parents (if applicable) enter into the application determines eligibility for federal grants, student loans, work-study programs, and various state and school-based aid. As such, failing to submit this key form can have serious financial consequences.

Here are some key action items for those with the FAFSA still on their to-do list:

✅ Obtaining federal student aid (FSA) IDs for each contributor (student, parents, etc.).
✅ Getting all tax information from the previous year ready and any required financial information.
✅ Deciding which colleges to share the FAFSA information with. If a specific college has already been chosen, you only need to include that institution.
✅ Carefully reviewing the FAFSA submission summary.
✅ Signing and submitting the application before the deadline.

We hope this checklist helps those preparing for college submit the FAFSA accurately and on time!

Regardless of what milestones you’re approaching, know that we are here to help guide you in the decisions that reflect your current goals and future ambitions.

"Life is about events, supported by your dollars and cents!" - Amy Irvine

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

The mid-year mark is a natural time for many businesses to evaluate their 401(k) plans and start thinking through change...
05/07/2026

The mid-year mark is a natural time for many businesses to evaluate their 401(k) plans and start thinking through changes they would like to make for the next plan year. That’s why we wanted to highlight one key feature that can help make 401(k) plans more attractive to your team: employer matching. Swipe for more information.

If you have questions about whether or not adding employer matching would make sense for your business, or if you’d like to talk through re-vamping a current employer matching plan for next year, don’t hesitate to reach out. We’re here to make sure your benefits package is working hard for both you and your team.

"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

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