Retirement Meditation #12: Does your plan offer the right default investment option?
Let’s face facts, not all retirement plan participants are engaged in their retirement investments. Some, even though they can and should, simply do not make…
TeleHealth Benefits Not Disqualifying Coverage for an HDHP through 2022
Groundhog Day or “Same story. Different day.” come to mind when considering the most recent legislative change contained in the Consolidated Appropriations Act…
Retirement Meditation #11: Can a retirement plan have too many investment options?
During my time as a Senior Investigator with the U.S. Department of Labor, I reviewed the 401(k) plan of an investment management firm that had 78 investment…
Year to date through March 11, 2022, the price only return for the S&P 500 Index shows it down 11.29%, however, the index remains up 6.73% on a one year basis…
Retirement Meditation #10: What is dollar-cost-averaging?
While my goldendoodle, Bear, lays by my chair snoring, I’m thinking about rollercoasters. Why am I thinking about rollercoasters? Because I’m recalling a…
Although Tuesday's release of the NFIB Small Business Optimism Survey was conducted in February, and before the recent oil price spike, inflation issues are…
Retirement Meditation #9: Should I leave the 401(k) or move it to my new employer?
A 2019 Bureau of Labor Statistics (BLS) study reported that Americans held an average of 12 jobs throughout their working years. Whether or not you are a part…
The supposed recession that took place during the COVID/pandemic shutdown in 2020 caught nearly everyone by surprise. Fortunately, the economy and investment…