FAQs
Individual Wealth Management Questions:
A: A Traditional IRA allows tax-deductible contributions (subject to income limits), with withdrawals taxed in retirement. A Roth IRA uses after-tax contributions, offering tax-free withdrawals in retirement, depending on your tax situation and retirement timeline. A: We recommend saving 10–20% of your gross income, but this varies based on your age, desired lifestyle, and other income sources. We’ll work with you to create a personalized retirement savings plan. A: Our advisors help you create and manage financial goals through personalized advice on investments, retirement, taxes, estate planning, and wealth management. A: Yes, we act as fiduciary asset managers, legally and ethically bound to prioritize your best interests in all financial recommendations.1. What is the difference between a Roth IRA and a Traditional IRA?
2. How much should I save for retirement?
3. What is the role of a financial advisor at DiMatteo Group?
4. Are you a fiduciary for individual clients?
5. How do you structure your fees?
401(k) Services Questions:
A: A 401(k) is an employer-sponsored retirement plan allowing employees to save pre-tax income, with potential employer matching contributions, to build retirement savings. A: Offering a 401(k) attracts and retains talent, provides tax benefits for your business, and supports employees’ long-term financial wellness. A: We offer plan design, investment selection, fiduciary support, employee education, compliance oversight, and coordination with recordkeepers and administrators. A: As a fiduciary, we’re legally obligated to act in the best interest of plan participants, offering 3(21) co-fiduciary or 3(38) investment manager services to reduce your liability. A: Employees can contribute up to $24,500 in 2026, with an additional $8,000 catch-up for those between 50–59 or older than 63, and an additional $11,250 super catch-up contribution for employees between 60–63.1. What is a 401(k) plan, and how does it work?
2. Why should my business offer a 401(k) plan?
3. What services do you provide as a 401(k) plan advisor?
4. What does it mean to be a fiduciary for a 401(k) plan?
5. How much can employees contribute to a 401(k) in 2026?
6. Can you customize a 401(k) plan for my company?
Investment Questions:
A: Before investing, it’s important to define your goals, understand your time horizon, and assess your comfort with risk. These factors help determine the right mix of investments and strategies tailored to your financial objectives. A: Saving focuses on safety and accessibility, typically earning modest interest, while investing seeks higher potential returns through market growth, though it carries more risk. A balanced plan usually includes both. A: The longer your time horizon, the more growth-oriented your portfolio can be, since you have time to ride out market fluctuations. Shorter-term goals often call for more conservative investments to help preserve capital.1. What factors should I consider before I start investing?
2. What is the difference between saving and investing?
3. How does my time horizon affect my investment strategy?
4. What does diversification mean, and why is it important?