Four Tips to Help Avoid Burnout While Working from Home
The coronavirus pandemic has completely changed the corporate landscape....
The coronavirus pandemic has completely changed the corporate landscape....
Market losses on the front end of retirement could have an outsize effect on the income you receive from your portfolio by reducing the assets available to pursue growth when...
As people move through different stages of life, there are new financial opportunities and potential pitfalls around every corner....
The sudden shift to remote learning and stay-at-home orders imposed during the coronavirus pandemic forced many parents to juggle working at home with taking care of children and helping them...
2020 was an interesting year and we learned a lot. We learned new words like: COVID, Zoom, and social distancing....
During the holiday shopping season, your credit score is probably the last thing on your mind. But as you start your seasonal spending, remember to use credit wisely so you...
When it's time to prepare the next generation for a financial legacy, you might want to bring your family members together to talk about money....
In early 2020, 61% of U.S. workers surveyed said that retirement planning makes them feel stressed....
Americans gave almost $450 billion to charity in 2019, and increase of 4.2% over the previous year....
As the pandemic drags on and the weather turns colder, it is becoming harder to keep remote workers engaged as active participants in our organizational cultures. As we head...
Over the past five years, employer enthusiasm for telemedicine benefits has surged....
Over the past five years, employer enthusiasm for telemedicine benefits has surged....
Over the past five years, employer enthusiasm for telemedicine benefits has surged....
Over the past five years, employer enthusiasm for telemedicine benefits has surged....
Individuals in the "sandwich generation" have the dual responsibility of providing care for an adult - often a parent - while also raising children....
Federal and state governments have spent extraordinary sums in response to the economic toll inflicted by the COVID-19 pandemic...
Federal and state governments have spent extraordinary sums in response to the economic toll inflicted by the COVID-19 pandemic...
Individuals in the "sandwich generation" have the dual responsibility of providing care for an adult - often a parent - while also raising children....
You knew it was only a matter of time and today was the day that you got the call. Two employees in your organization ended up in a heated...
On August 8th, President Trump sent a memorandum to the Treasury Department allowing for a tax holiday. The tax holiday allows for employees earning less than $104,000 per year...
Stock market volatility in 2020 has clearly reinforced at least one important investing principle: Short-term goals typically require a conservative investment approach....
Fraudsters and scam artists have always looked for new ways to prey on consumers....
The Federal Reserve's unprecedented efforts to support the U.S economy during the COVID-19 pandemic include a commitment by the Federal Open Market Committee (FOMC) to purchase Treasury securities and agency...
Over the past five years, employer enthusiasm for telemedicine benefits has surged....
Last week we hosted a webinar about employees with school aged children featuring an interview with local Covid law expert Rebecca Strauss from Miller Johnson. ...
The health and economic crisis created by the coronavirus (COVID-19) pandemic will have a long-lasting impact on how we all will travel going forward....
In 26 states (and Puerto Rico), laws generally hold children financially responsible for certain debts of their parents. These laws are referred to as filial responsibility laws (or filial support...
The 2020-2021 academic year is right around the corner, and the coronavirus pandemic has upended the college world, like everything else....
Because of a long-term rise in the employment rate for women of all ages, the percentage of women ages 62 to 64 ...
Think about what makes your organization special. You might list your products or services, your processes, and most definitely your employees....
The longest bull market in history lasted almost 11 years before coronavirus fears and the realities of a seriously disrupted U.S. economy brought it to an end....
Each day, parents, children, siblings, and spouses selflessly sacrifice their time and energy to care for family members affected by illness, injury, or disability....
In December 2019, women outnumbered men in the U.S. workforce for the first time since April 2010, when layoffs due to the recession disproportionately affected male workers....
As the number of COVID-19 cases began to skyrocket in March 2020, Congress passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act....
Dramatic market turbulence has been common in 2020, and you can't help but hear about the frequent ups and downs of the Dow Jones Industrial Average or the S&P 500...
Americans use debit cards more often than credit cards, but they tend to use credit cards for higher-dollar transactions....
More than 79 million foreign tourists visited the United States in 2019, adding $254 billion to the U.S. economy....
On June 15th, 2020, the U.S. Supreme Court ruled that LGBTQ employees were protected from discrimination under Title VII of the Civil Rights Act of 1964....
Picture yourself doing remote work. Does that picture include working in pajamas and fuzzy slippers? Not brushing your teeth before noon? Working while floating in the pool?...
Recent college graduates aren't the only ones carrying student loan debt....
The first part of 2020 was rocky, but there should be better days ahead. Taking a close look at your finances may give you the foundation you need to begin...
The Roth "five-year rule" typically refers to when you can take tax-free distributions of earnings from your Roth IRA, Roth 401(k), or other work-based Roth account....
Widespread smartphone use, loosening regulations, and employers seeking health cost savings are three trends that have been driving the rapid expansion of telemedicine. And that was before social distancing guidelines...
It's never too soon to start teaching children about money. Whether they're tagging along with you to the grocery store or watching you make purchases online, children quickly realize that...
The field of behavioral finance focuses on the emotional and cognitive aspects of investing. In recent decades, well-known economists have advanced the theory that investors' decisions can be driven by...
The U.S. population was 328,239,523 in 2019, an increase of 0.5% over 2018. This was the fourth consecutive year of slowing population growth due to fewer births, more deaths, and...
On March 27, 2020, Congress passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Included in the legislation are new rules for student loan relief....
Wills and trusts are common documents used in estate planning. While each can help in the distribution of assets at death, there are important differences between the two....
By now you know that Congress has passed a $2 trillion relief bill to help keep individuals and businesses afloat during these difficult times. The Coronavirus Aid, Relief, and Economic...
In the midst of the war for talent and a hyper focus on improving employee engagement, you may be looking at your culture and asking, “how can we compete?”...
A mentor of mine once said that he liked it when things didn’t go smoothly because it gave the opportunity to show what leadership was willing to do to address...
Now that tax season is over, you may want to file your most recent records and discard older records to make room for the new ones. According to the IRS,...
After losing ground in 2018, U.S. stocks had a banner year in 2019, with the S&P 500 gaining almost 29% —the highest annual increase since 2013.1 It's too early to...
Social Security is much more than a retirement program. Most Americans are protected by the Old-Age, Survivors, and Disability Insurance (OASDI) program — the official name of Social Security —...
About 72% of taxpayers received a refund in 2018 and 2019. Here's how consumers spent the tax refunds they received in 2018 and what they planned to do with their 2019...
The past months have tested the strength and resolve of individuals, businesses, and governments around the world. Investors, particularly retirement plan investors, have watched with a sense of disbelief and...
Recently, I was facilitating a course on anti-harassment and was asked if I supported zero tolerance harassment policies. Frankly I think I surprised myself as much as the rest...
Are you finding it difficult to keep up with the daily changes related to the Covid-19 pandemic?...
Whether it's a helpful announcement from your child's school or an appointment reminder from a doctor's office, getting robocalls has become an everyday occurrence....
[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" text_align="left"][vc_column width="2/3"][vc_column_text]Spring is a good time to clean out the cobwebs, and not just in your home or apartment. Your personal finances can benefit from...
[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" text_align="left"][vc_column width="2/3"][vc_column_text]Tax filing season is here again. If you haven't done so already, you'll want to start pulling things together — that includes getting your...
[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" text_align="left"][vc_column width="2/3"][vc_column_text]The Setting Every Community Up for Retirement Enhancement (SECURE) Act, which was passed in December 2019 as part of a larger federal spending package,...
[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" text_align="left"][vc_column width="2/3"][vc_column_text]Imagine that you receive an email with an urgent message asking you to verify your banking information by clicking on a link. Or perhaps...
We’ve all been there, you’re in a meeting with that person who is obviously not feeling well. There’s a battle to see who scores the seat at the table...
How can I improve my credit report? Most lenders use credit report information to evaluate the creditworthiness of potential borrowers. Borrowers with good credit are presumed to be more creditworthy and...
As with many of life's toughest challenges, it may help to focus less on the big picture and more on the details. ...
As with many of life's toughest challenges, it may help to focus less on the big picture and more on the details. ...
The SECURE Act Offers New Opportunities for Individuals and Businesses The SECURE Act (Setting Every Community Up for Retirement Enhancement Act) is major legislation that was passed by Congress as part of...
As with many of life's toughest challenges, it may help to focus less on the big picture and more on the details. ...
As I drove into work this morning and watched the thermometer in my car never get above zero, I was thinking how tough it has been this winter to maintain...
Would you take on a 30-day challenge to spend money only on necessities such as rent, utilities, and groceries? During a no-spend month, many common activities — including dining out, buying...
[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" text_align="left"][vc_column width="2/3"][vc_column_text]Every year, the Internal Revenue Service announces cost-of-living adjustments that affect contribution limits for retirement plans and various tax deduction, exclusion, exemption, and threshold...
According to a recent survey, 76% of Americans reported having at least one financial regret. Over half of this group said it had to do with savings: 27% didn't start...
We’ve all been there before. Bob says he is being bullied by his boss and it’s creating a hostile work environment. When you ask what the leader says to him,...
Unfortunately, data breaches are now normal, everyday occurrences in our society. As a result, many companies are offering services to help you protect your personal information. If you want an...
Unfortunately, data breaches are now normal, everyday occurrences in our society. As a result, many companies are offering services to help you protect your personal information. If you want an...
Unfortunately, data breaches are now normal, everyday occurrences in our society. As a result, many companies are offering services to help you protect your personal information. If you want an...
Unfortunately, data breaches are now normal, everyday occurrences in our society. As a result, many companies are offering services to help you protect your personal information. If you want an...
Raising kids is hard enough, so why not make things easier for yourself when it comes to saving for college? Ideally, you want a savings vehicle that doesn't impose arbitrary...
Since Bill and Melinda Gates and Warren Buffett created the Giving Pledge in 2010, more than 200 of the world's wealthiest individuals and couples have committed to giving the majority...
Can you work and receive Social Security retirement benefits at the same time? Yes, but the Social Security Administration (SSA) will apply an earnings test. Part or all of your...
Millennials consistently cite elements like work-life balance and benefits packages as huge factors when considering employers. Salary, it seems, comes secondary in many cases. You can capitalize on this market...
On Sept. 24, 2019, the U.S. Department of Labor (DOL) announced a new final rule that updates the salary thresholds that some individuals must meet in order to qualify for...
Continuing care retirement communities (CCRCs) are living arrangements that combine independent living, assisted living, and nursing home care on a single campus. CCRCs offer residents a continuum of care throughout...
Like almost everything else these days, the holidays have become a barrage of options and choices, with nearly limitless opportunities to overspend. Here are some tips to help you make...
Each year, the Kaiser Family Foundation and the Health Research & Educational Trust conduct a survey to examine employer-sponsored health benefit trends. This article summarizes some of its main points....
Independent living communities, also known as rental retirement communities, offer housing options for active seniors and retirees who require little or no assistance with daily activities. Most independent living residents...
Here are 10 things to consider as you weigh potential tax moves between now and the end of the year....
A recent survey found that more than half of retirees have retirement planning regrets. Unfortunately, many of these retirees had to cut back on their lifestyles to compensate for financial...
Publicly traded companies are required to report their financial performance to regulators and shareholders on a quarterly basis. Earnings season is the often-turbulent period when most companies disclose their successes...
While you may not be able to control every single factor that could interfere with your ability to get a good night’s sleep, you can take control of your sleep...
It’s 8 p.m. on a Sunday. You spent the last two hours dreading the upcoming workweek. As the night progresses, your anxiety only gets worse. Even if this doesn’t sound...
A couple of times now I’ve posted a blog about proposed changes, or the cancelation of those changes to the minimum salary threshold for exempt vs. non-exempt employees. Just last week,...
Some people think employment is all about the money, but they’re wrong. For many, it’s about the opportunities. In fact, Gallup cites “lack of development and career growth” as the...
Most everyone knows someone who has experienced a long term care event. If you’re clients are like mine, they’re thinking about how long term care may affect them. Thoughts like:...
According to Optum’s Wellness in the Workplace study, more than 80% of employers plan to spend more on health care and wellness in the next year than in previous years....
Each year, Medicare Part D requires group health plan sponsors to disclose to individuals who are eligible for Medicare Part D and to the Centers for Medicare and Medicaid Services...
Retirement health-care costs will vary depending on your health and longevity, but it may help to have a guideline. These are the estimated savings required for an individual or couple...
Original Medicare — Part A hospital insurance and Part B medical insurance — offers broad coverage, but many services are not covered. Some may be fully or partially covered by...
If you have the opportunity to contribute to both a 401(k) and a health savings account (HSA), you may wonder how best to take advantage of them. Determining how much...
As you move through different stages of life, you will face new and unique financial situations. Did you just get engaged? Perhaps you are wondering how you and your partner...
Publicly traded companies are required to report their financial performance to regulators and shareholders on a quarterly basis. Earnings season is the often-turbulent period when most companies disclose their successes...
A couple of times now I’ve posted a blog about proposed changes, or the cancelation of those changes to the minimum salary threshold for exempt vs. non-exempt employees. Just last week,...
There’s a lot more that goes into finding the right candidate for your company’s opening than just a block of text. That’s why the interview process exists and why, as...
A recent study published in Scientific Reports revealed that spending 120 minutes a week outdoors can improve your health and psychological well-being. Remember, well-being refers to feeling good and living...
In July, the Centers for Medicare and Medicaid (CMS) proposed rules that would require all Medicare-participating hospitals to post their negotiated prices for standard health care services....
Advisors and high-net-worth individuals with federal estate tax exposure have long relied upon life insurance as a sophisticated planning tool. Life insurance offers a unique combination of liquidity, leverage, and...
In mid-July, Capital One announced that the personal information of more than 100 million of its U.S. customers was compromised in one of the largest data breaches involving a bank....
Even though your child is just in high school, he or she may still have to deal with certain financial challenges. Whether this involves saving for an important purchase like...
The FAFSA, which stands for Free Application for Federal Student Aid, is the federal government's financial aid application. The FAFSA is a prerequisite for federal student loans, grants, and work-study....
Eating healthy doesn’t always mean sacrificing your favorite meals. Although it may not seem like it, you can still stay on track with your diet when enjoying a meal out...
In July, the Centers for Medicare and Medicaid (CMS) proposed rules that would require all Medicare-participating hospitals to post their negotiated prices for standard health care services....
Ever since a legal secretary named Ida May Fuller received the first Social Security retirement check in 1940, Americans have been counting on Social Security to provide much- needed retirement...
Each year for its Retirement Confidence Survey, the Employee Benefit Research Institute (EBRI) surveys 1,000 workers and 1,000 retirees to assess how confident they are in their ability to afford...
The financial challenges millennials face can be overwhelming. Many young adults have to figure out how to pay off college loans, save to buy a home or start a family,...
To prepare for open enrollment, group health plan sponsors should be aware of the legal changes affecting the design and administration of their plans for plan years beginning on or...
Emotional intelligence (EI) is the ability to understand and manage your emotions, as well as others’. It’s similar to empathy, but the ability to manage the emotions effectively is key....
The Equal Employment Opportunity Commission (EEOC) recently updated its website to include more resources to help employers with their annual reporting obligations. Find the resources on this blog....
Here are some tips directly from the FTC to help you avoid becoming a victim of the Social Security imposter scam....
If you or someone you know has been targeted by a scam artist who is trying to steal money or personal information, you're not alone. According to the Senate Special...
If you're the parent or grandparent of a current or prospective college student, you might be interested to learn what's new in the world of higher education....
Research consistently points to time away from work as improving productivity, lowering stress and reducing absenteeism. Unfortunately, many employees still hold onto their paid time off (PTO) and end up...
Estate planning is the process of managing and preserving your assets while you are alive, and conserving and controlling their distribution after your death. There are four key estate planning...
Health officials issued a final rule that expands the usability of health reimbursement arrangements (HRAs), read more in this blog....
Defensive investment strategies share a common goal — to help a portfolio better weather an economic downturn and/or bouts of market volatility. But there are some key differences, including the...
Sen. Bernie Sanders—an independent senator from Vermont and 2020 Democratic presidential contender—proposed a plan that would cancel $1.6 trillion in student loans. Sanders’ proposed plan would be funded with a...
In these days of social media overload, when anyone can post, or tweet, in the heat of the moment from their phone, what can employees say about their employers, coworkers...
In these days of social media overload, when anyone can post, or tweet, in the heat of the moment from their phone, what can employees say about their employers, coworkers...
President Donald Trump recently signed an executive order aimed at improving price and quality transparency in health care. The order is intended to increase the availability of health care price...
Taxpayers are required to pay most of their tax obligation during the year by having tax withheld from their paychecks or pension payments, or by making estimated tax payments. Estimated...
If you were unpleasantly surprised by the amount of tax you owed or the amount of your tax refund when you filed your 2018 tax return, it may be time...
Do you have a tendency to push off important tasks? Do you do things at the last minute, or maybe not do them at all? If so, you're not alone....
Investing in foreign stocks provides access to a world of opportunities outside the United States, which may help boost returns and manage risk in your portfolio. However, it's important to...
The following blog shows the health savings account (HSA) limits that will apply for 2020, along with the 2019 limits for comparison purposes. ...
No matter how much money you have or which life stage you're in, becoming financially independent starts with a dream. Your dream might be to finally pay off the mountain...
What does the term “performance review” mean to you? To many people, it means sitting down at the end of the year with a manager to discuss how you conducted...
U.S. Secretary of Labor Alexander Acosta recently said that he “fully expects” OSHA inspections to increase once new inspectors are trained. Stay within compliance with these tips from the blog....
Recently, the Department of Health and Human Services (HHS) released its final Notice of Benefit and Payment Parameters for 2020. This proposed rule describes benefit and payment parameters under the...
In the growing “gig economy,” individuals perform jobs on a one-off or short-term basis, typically through an online application or job marketplace. On April 29, 2019, the Department of Labor...
Job figures continued to rise in April, officially bringing unemployment to its lowest in 50 years— 3.6%, according to the Bureau of Labor Statistics (BLS). We outline some employer takeaways...
The Fair Labor Standards Act (FLSA) requires that most employees in the United States be paid at least the federal minimum wage for all hours worked and overtime pay at...
As an investor, you probably pay attention to nominal return. However, to estimate actual income or growth potential in order to target financial goals — for example, a certain level...
Some of the recent changes to the standard deduction and itemized deductions may affect your ability to obtain an income tax benefit from your charitable contributions. Incorporating charitable giving into...
One of the best parts of our work is that we have the opportunity to see the internal workings of many organizations. It’s always amazing to see how many different...
One of the best parts of our work is that we have the opportunity to see the internal workings of many organizations. It’s always amazing to see how many different...
You've put in the hard work as a college student and finally received your diploma. Now you're ready to head out on your own. And though you may not have...
Many investors may be inclined to review their portfolios only when markets hit a rough patch, but careful planning is essential in all economic climates. So whether the markets are...
According to the Society for Human Resource Management, approximately 9 percent of U.S. employers allow their employees to bring their dogs to work every day. With this trend on the...
On March 7, 2019, the Department of Labor (DOL) issued a proposed rule that would change the salary thresholds for the “white collar” overtime exemptions under the Fair Labor Standards...
The Bureau of Labor Statistics (BLS) recently released a The Economics Daily (TED) report on civilian access to paid and unpaid family leave in 2018. These statistics provide insight into...