Spectrum Investment Advisors

Quarterly Economic Newsletter Snapshot: International stocks led the way in 2025 as markets recovered from the April tariff shock. U.S. economy continued to grow, boosted by large scale investment in AI. Tax refunds may provide relief to the consumer. The S&P 500 moved higher by 2.7% in the fourth quarter to finish 2025 with a 17.9% total return. International stocks led all broad stock categories with the MSCI EAFE index posting a 31.2% return. The Bloomberg US Aggregate Bond index rose by...

Understanding Social Security can feel confusing, so this GuideSteps webinar explores the fundamentals of Social Security and strategies to help you best use the benefit Key Takeaways: Timing trade-offs: making an informed decision Rules and considerations for couples Rules for divorced individuals The future of Social Security benefits Passcode: 316220 Speakers: Marina Moths , VP Financial Wellness - Spectrum Investment Advisors Sharon Carson, CRPC, Retirement Strategist Executive Director,...

Managing a retirement plan requires staying ahead of critical deadlines to ensure compliance with IRS and Department of Labor (DOL) regulations. As a plan sponsor, missing key filing or disclosure deadlines could result in penalties, additional taxes, or complications for your organization and plan participants. To help keep you on track, we’ve outlined essential deadlines for the 2026 calendar year, covering compliance testing, participant disclosures, tax filings, and contribution...