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In the Spotlight

History

Celebrating 50 years of Goldman Sachs Ayco, and the milestones along the way.
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InnerCircle 2022: Legislative & regulatory updates impacting HR

Employers 07.01.2022 2 MIN

A staple of InnerCircle dating back over three decades, Chris Gaston, Principal, Director of Government Relations at Washington law firm Davis & Harman LLP, shared how new legislation and regulations could impact the HR industry.

From June 8–10, HR leaders from across Corporate America gathered at the InnerCircle conference to discuss key strategies for maximizing potential at their companies. During an informative session, Chris Gaston focused on proposals from Washington over the past few years that have added even more nuance to the employee-benefits landscape, especially from a retirement perspective.

Key Takeaways

Retirement is one topic that has bipartisan support and has recently seen legislative accomplishments in Washington. The Securing a Strong Retirement Act of 2022 (SECURE Act 2.0), passed by the House of Representatives in March, will expand retirement coverage, help individual savers, and simplify the process.
Proposed changes include offering student loan matching where employees pay down their debt and employers can match these payments to increase catch-up conversions. The motivation behind this activity is that people are living and working longer—and increased flexibility makes sense.
The proposed RISE & SHINE Act includes Emergency Savings Optional proposals. While the Senate is usually in favor of emergency savings legislation, this legislation faces a difficult road.
The Department of Labor (DOL) is implementing a new cryptocurrency policy. CAR 2022-01 from March will cover cryptocurrencies and “other products whose value is tied to cryptocurrencies” as well as covering brokerage windows. Companies interested in offering cryptocurrency as part of their 401(k) need to carefully review the implications of this policy or risk action from the DOL.

Passing legislation is one way to maximize potential. Retirement legislation will likely see the most movement in the coming year according to Chris, due to its bipartisan support—likely with the passage of SECURE 2.0.

Read more InnerCircle thought leadership on benefits. Contact us to learn more about the resources Goldman Sachs Ayco provides to help employers and employees navigate a complex regulatory framework.

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Summer Review, Fall Preview

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529 Savings Plans: 3 Uses Beyond Just Education Expenses

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Retirement challenges women face

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Tips for filing your 2023 tax return

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Outlook 2024 — America Powers On

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Tax Matters 2023: Insights to help you navigate the current tax environment

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Watch: Goldman Sachs Monthly Spotlight | November 2023

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All About Health Savings Accounts (HSAs)

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Watch: Goldman Sachs Monthly Spotlight | September 2023

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Cost control to meet inflation leads 2023 U.S. employee benefits trends

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Strategies for Women Investors

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Private company equity compensation and benefits

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Watch: Goldman Sachs Monthly Spotlight | June 2023

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Updated IRS guidance on Qualified Medical Expenses

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Life insurance

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Budgeting for summer fun: A guide for families

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Eyes on the Horizon: Goldman Sachs Investment Insights

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Biden’s Fiscal Year 2024 Budget Proposals

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As bank stress grows, are markets signaling a US recession?

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3 tips for managing financial stress

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529s: Untapped funds may now roll over for retirement

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Caution: Heavy Fog—Key Themes to Watch This Year

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Financial Literacy Month is here

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Protect yourself from identity theft

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Set (or reset) your retirement goals at any age

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Smart strategies to pay down debt

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The SECURE Act 2.0: What changes in retirement legislation mean for your finances

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How to think about investments

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3 easy steps to help you become a saver

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Reducing spending and increasing savings were on this year’s holiday list

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Kickstart 2023 with resolutions you can keep

Individuals | 11.18.2022 | 2 MIN

2022 Top 5: Most-read personal finance articles

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Thinking of retiring soon? A critical decision on your pension payout could make all the difference.

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6 ways to give your finances a boost before 2023

Individuals | 10.06.2022 | 1 MIN

Goldman Sachs Q3 2022 Investment Update

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Financial Spotlight: An introduction to bonds

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Financial Spotlight: An introduction to market challenges

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Financial Spotlight: An introduction to market uncertainty

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Financial Spotlight: An introduction to money market funds

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Financial Spotlight: An introduction to risk

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Financial Spotlight: An introduction to stocks

Individuals | 09.22.2022 | 4 MIN

“Pay yourself first” for National Savings Day

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Let’s talk student loans

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Top 8 life insurance questions we’re hearing

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Financial Awareness Day: Your financial wellness guide

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Maximize your benefits this open enrollment

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A beginner’s guide to 401(k) plans

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Coaches corner: Balancing priorities

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529 Day: A coach Q&A

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3 steps toward financial wellness in 5 minutes or less

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Ways to increase or decrease your taxable income

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What financial stressors can coaches help you with today?

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Patrick Cantlay on his keys to success

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3 ways to build financial confidence: A financial planning guide for women

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Investing in stocks, explained in 6 questions

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A guide to HSAs and FSAs

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Retirement planning for all ages

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2-minute crash-course on the 2021 and 2022 standard deduction

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What you need to know about tax deductions and credits

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A quick guide to filing your tax return

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Discover your tax personality and stress less this tax season

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This tax season could be especially challenging, warns the IRS

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5-minute guide to keeping your financial resolutions

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2021 Top 5: Most read personal finance articles

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Make a lasting impact: 5 tips for charitable giving

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Annual Enrollment: What to expect when talking with a coach

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Your annual enrollment to-do list—made easy

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Four tweaks to make to your retirement plan in 2021

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Four market trends reshaping how we invest

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Learn to make stronger financial decisions in 5 minutes

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What COVID taught us about personal finance

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Reach your goals by creating financial checkpoints

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7 COVID-19 Personal Finance Myths Debunked

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4 tips to alleviate—and avoid—financial stress

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What's ESG investing and how do I know if it's right for me?

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From offer to closing—5 home buying steps to know

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Getting organized for tax season: What you need to know

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Your guide to retirement accounts

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Taxes: Refunds are not always your friend

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How a financial plan can benefit your health

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Use it, don't lose it: Emptying your FSA before year-end

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Saving for college: A guide to education funding

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Emergency fund: Why everyone needs a cash reserve

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The Consumer Sentiment Study: Post-lockdown edition

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Making the right decisions to reduce your healthcare costs

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Six questions to ask before making annual enrollment benefits elections

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Retirement: What to expect when talking with a coach

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How the CARES Act impacts required minimum distributions

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Wealth transfer strategies for volatile markets

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How telecommuting from a different state could impact your taxes

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A 4-minute guide to estate planning

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RMD FAQs: Eight important facts

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Thinking about an HSA?

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Investing in the COVID-19 era

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COVID-19 financial guidance from Ayco’s Counseling leaders—Part 2

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COVID-19 financial guidance from Ayco’s Counseling leaders—Part 1

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Five simple savings strategies everyone should know

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Key extenders from 2020 legislation

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How COVID-19 can impact income & estate taxes

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COVID-19 educational refunds and 529s

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Ayco FAQs during the COVID-19 crisis

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IRS extends tax filing and payment deadline to July 15, 2020

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Speaking with a coach during the COVID-19 crisis

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Time away from work during the COVID-19 crisis: Does it impact your finances?

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Managing financial stress in times of economic volatility

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Six ways to make working from home work for you

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Household employees and employment taxes: Are you responsible?

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The SECURE Act's impact on spouses and designated beneficiaries

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Top five blogs of 2019 for individuals

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5 things employees need to know about the new draft W-4

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Financial planning and benefit considerations for LGBTQ employees

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Avenues for preparing your taxes

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Getting organized for 2018 taxes: What you need to know

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New Year's resolutions: Make smarter financial decisions

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Top three reasons to get an HSA

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Using tax losses as a tax strategy: A primer

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Health savings accounts (HSAs)

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A hurricane season guide to protecting your family and finances

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Countdown to retirement

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Five steps for improving your credit score

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Retirement planning at any age

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Reconsidering protected income strategies

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Charitable giving by the letter

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Kids and college–making the right choice

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Perspectives on 2017 market volatility

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Financial considerations for the expanding family

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A guide to paying down your college debt

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