by David Gensler | May 12, 2026 | article
I was sitting with Sara, the controller at a 20-person marketing agency, when she asked the question I wish more people would: “David, if we start a 401(k) plan, what’s the real cost to us?” “Glad you asked,” I replied. “Because right now, with its little-known tax...
by David Gensler | Apr 14, 2026 | article
I’d been standing in line at the DMV waiting to renew my driver license for over an hour when the woman next to me sighed. “I always forget how slow this place is.” I nodded. “The DMV has a unique relationship with time.” “That’s one way to put it.” We stood in...
by David Gensler | Mar 3, 2026 | article
Juanita met me after our quarterly strategy meeting. We’d just gone over participation metrics, and I couldn’t shake the feeling something was off. “David,” she said, “we’ve got employees in their 60s and others fresh out of college. We’re trying to engage all of them...
by David Gensler | Feb 10, 2026 | article
It was a rainy Tuesday when Jason called. “David,” he said, “we just got a letter from the State of New Jersey about our retirement plan. They’re asking for proof that we either have one, joined the state plan, or qualify for an exemption. Is this real or just more...
by David Gensler | Jan 13, 2026 | article
It started with a question over lunch. “David,” said Alexis, an HR manager for a tech company, “I keep hearing about a ‘three-legged stool’ of retirement. Is that still a thing? I mean … it sounds like something my grandfather would have said.” I smiled. “It’s still a...
