When you think about living to 100, what’s your first thought? If it’s “Only if I’m healthy and financially stable,” you’re not alone. Thanks to advances in medical science, nutrition, and technology, living past 90—or even to 100—is becoming less rare. But longevity comes with a catch: your retirement income needs to last much longer […]
Is 100 the New 70? Planning for a Longer Retirement Read More »
The Drill Stops Here: A Dentist’s Wake-Up Call Picture this: You’ve got a full schedule. Eight patients, two crown preps, and one particularly anxious root canal. You’re gloved up, mask on, tools sterilized. Then it hits—a searing pain shoots through your wrist. You shake it off. Again. But by the end of the week, you’re
What If You Couldn’t Hold the Drill? Why Dentists Need a Disability Plan That Works Read More »
If You Are A Plan Sponsor, You Are a Plan Fiduciary A retirement plan sponsor has obligations and responsibilities to its employees who participate in the retirement plan. Through the Named Fiduciary, the sponsor has the duty to make prudent decisions with regard to the plan and to make such decisions solely in the interest
Understanding Fiduciary Roles in Retirement Plans: Who’s Responsible for What? Read More »
Roughly 90 million families in the U.S. own pets or care for farm animals—but there are only about 121,000 veterinarians in the country. These professionals are the heartbeat of animal care, working long hours, often at great personal and physical cost. Veterinary professionals face one of the highest rates of work-related injuries and emotional burnout,
Behind Every Healthy Pet Is a Vet Who Shows Up—Until They Can’t Read More »
Considering a New Service Provider for Your 401k Plan? Here are some key questions to ask: Choosing a new retirement plan is a massive undertaking. When you are moving millions of dollars in a retirement plan, it is important to consider the many facets of this complex relationship in both the long and short term.
Don’t Be Fooled, All RFP’s Aren’t the Same Read More »
Congratulations, Doc! You’ve earned it! Speaking of Earnings, Let’s Talk About Protecting Your Income. After years of hard work, sleepless nights, and navigating clinicals, you’ve finally made it to the next stage of your medical journey. Whether you’re starting your residency, fellowship, or transitioning into practice, you’re laying the foundation for a high-earning career. But
Disability Insurance for Medical School Grads: Why It Matters Now More Than Ever Read More »
Business owners have a lot of responsibilities. One of the most nebulous may be their fiduciary responsibility for the selection of investment options within their company’s qualified retirement plan. While the Employee Retirement Income Security Act of 1974 (ERISA) guidelines identify two different types of investment fiduciaries in sections 3(21) and 3(38), it is often
ERISA 3(21) and 3(38) Fiduciary Services for Retirement Plans: What’s the Difference? Read More »
When we think about financial planning, we often focus on the big-ticket goals: saving for retirement, funding our kids’ education, building wealth. But what about protecting the income that makes all of that possible? That’s where disability insurance comes in—and yet, it’s one of the most overlooked pieces of a solid financial plan. What Is
Understanding Disability Insurance: Protecting Your Income Read More »
Scan the business news and you will likely find an article detailing the latest 401(k) litigation against a company accused of a fiduciary breach. The litigious trend started with corporate behemoths but has been trickling down to small and mid-size plans. Adding to this, a survey found that 43% of company fiduciaries don’t actually think
Managing Risk: Do’s and Don’ts for Your Company’s Retirement Plan Committee Read More »
We don’t always get a heads-up when life throws a curveball. Job changes, medical bills, a sudden move—unexpected events can shake up even the most carefully planned finances. That’s where financial resilience comes in. As we wrap up Financial Literacy Month, let’s shift our focus from “learning about money” to “building a life that can
Building Financial Resilience: Lessons from Financial Literacy Month Read More »