Zach Eddinger, CPFA, CRPC - Financial Advisor at Osaic Institutions, Inc.

Zach Eddinger, CPFA, CRPC - Financial Advisor at Osaic Institutions, Inc. Guiding Athletes & Entrepreneurs to plan, build and protect their wealth through comprehensive financial planning.

Strength in strategy, Clarity in planning, Confidence to thrive!

Excited to be able to announce that I recently passed the CPFA® exam! I am super excited to be able to continue forward ...
04/14/2026

Excited to be able to announce that I recently passed the CPFA® exam! I am super excited to be able to continue forward helping businesses with their retirement plans and being a resource for employees. Thank you to PCS Retirement and AssetMark for sponsoring the program I was in to obtain this designation!

2026 is a major inflection point for employer-sponsored plans.Driven by recent legislation (SECURE 2.0), here’s what mat...
04/11/2026

2026 is a major inflection point for employer-sponsored plans.

Driven by recent legislation (SECURE 2.0), here’s what matters:

Key changes:
1. Mandatory Roth Catch-Up Contributions
➡️ High earners (~$150K+) must contribute catch-ups as Roth
➡️ Impacts tax strategy and payroll systems

2. Higher Contribution Limits
➡️ 401(k) limits increase to ~$24,500
➡️ Catch-up contributions also rising

3. Expanded Access
➡️ Part-time employees become eligible faster

4. Automatic Enrollment Requirements
➡️ New plans must auto-enroll employees (with escalation)

5. Plan Amendment Deadlines
➡️ Employers must update plans by end of 2026

What this means for business owners:
⏭️ More administrative complexity
⏭️ Greater need for fiduciary oversight
⏭️ Increased importance of plan design

The takeaway:
This isn’t just compliance—
✅ It’s an opportunity to build a better, more competitive benefits package.

If your plan hasn’t been reviewed for 2026 changes, now is the time.

If you don’t want to manage investments at all—A 3(38) fiduciary is the highest level of support.What a 3(38) does:➡️ Ta...
04/10/2026

If you don’t want to manage investments at all—

A 3(38) fiduciary is the highest level of support.

What a 3(38) does:
➡️ Takes full discretion over investment decisions
➡️ Selects, monitors, and replaces funds
➡️ Assumes primary fiduciary responsibility

Why business owners choose this:
✅ Eliminates investment liability
✅ Saves time
✅ Ensures professional oversight

In today’s environment, this is about:
Risk transfer + efficiency

If you want to fully delegate your plan’s investments, let’s connect.

Not every business wants to fully outsource investment decisions.That’s where a 3(21) advisor fits.What a 3(21) does:⏩ P...
04/09/2026

Not every business wants to fully outsource investment decisions.

That’s where a 3(21) advisor fits.

What a 3(21) does:
⏩ Provides investment recommendations
⏩ Assists with fund selection and monitoring
⏩ Shares fiduciary responsibility (but not discretion)

Best fit for:
✅ Businesses wanting collaborative decision-making
✅ Sponsors who still want input/control
✅ Plans looking to improve investment oversight

Key benefit:
You’re not making decisions alone—but you still stay involved.

If you want guidance without giving up control, let’s talk.

Most business owners don’t realize how much liability they carry with their retirement plan.A 3(16) fiduciary changes th...
04/08/2026

Most business owners don’t realize how much liability they carry with their retirement plan.

A 3(16) fiduciary changes that.

What a 3(16) does:
➡️ Handles plan administration
➡️ Ensures compliance with ERISA requirements
➡️ Manages filings, notices, and deadlines

Why it matters:
📉 Reduces operational burden
📉 Minimizes compliance risk
✅ Keeps your plan running efficiently

Think of it this way:
You focus on running your business—
⏭️ A 3(16) ensures your plan doesn’t become a liability.

If your plan still runs internally, it may be time to offload that risk.

The Roth 401(k) is no longer “optional strategy”—it’s becoming central to retirement planning.Especially with new rules ...
04/07/2026

The Roth 401(k) is no longer “optional strategy”—it’s becoming central to retirement planning.

Especially with new rules rolling out.

Why Roth matters:
✅ Tax-free withdrawals in retirement
✅ No required minimum distributions on Roth 401(k)s (now eliminated)
✅ Creates flexibility in retirement income planning

What’s changing:
➡️ Starting in 2026, higher earners (≈$150K+) must make catch-up contributions as Roth
➡️ Employers without Roth options may limit participation

Translation:
The system is shifting toward after-tax savings models.

Who should strongly consider Roth:
⏩ Younger professionals
⏩ High earners expecting higher future taxes
⏩ Anyone wanting tax diversification

Not sure if Roth fits your situation? Let’s run the numbers.

Most people treat their 401(k) like a checkbox.But real planning happens when you integrate it into a broader strategy.H...
04/06/2026

Most people treat their 401(k) like a checkbox.

But real planning happens when you integrate it into a broader strategy.

Here’s the issue:
➡️ Overfunding pre-tax accounts can create future tax problems
➡️ Underfunding misses compounding and employer match opportunities
➡️ Ignoring coordination leads to inefficient portfolios

What proper coordination looks like:
✅ Aligning 401(k), brokerage, and IRA strategies
✅ Managing current vs. future tax brackets
✅ Using Roth vs. pre-tax intentionally (not accidentally)
✅ Planning distributions before RMD age (now 73 and rising)

The goal isn’t just saving more—
It’s creating tax-efficient income later.

If you’re contributing but not coordinating, let’s fix that.

Address

2450 E 3rd Street
Williamsport, PA
17701

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+15706018473

Website

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