Ideas Worth
Talking About.

Estate Planning Is Not, in Fact, About Estate Taxes

Who knows what to do—and will they have what they need to do it?

What Are You Retiring To?

A successful retirement plan should replace more than your paycheck.

What If We Reimagined Employee Health Benefits?

Could employers spend less on health insurance — and give employees more?

What If You Never Need Long-Term Care?

Wouldn't it be nice if your money had a Plan B?

You Have a Choice: Pay the Tax Now or Later

The question isn't whether taxes exist. It's when you want to pay them—and what happens to the profit afterward.

What Happens When Your Best Employee Becomes Your Competitor?

When a key employee walks out, sometimes a lot more than an employee walks out with them.

What Do Your Employees REALLY Want?

Maybe it’s time to rethink what an employee benefits package is supposed to accomplish.

Could This Be Driving Up Your Healthcare Costs?

There's a lot hiding behind that five-digit code.

Build a Retirement Plan That Doesn't Depend on Hoping Someone Buys Your Business

Your business may be a valuable retirement asset. But until someone writes the check, it isn't retirement income.

What Happens to Your Business If Your Partner Dies?

A buy-sell agreement can establish the plan. The next question is how you fund it.

Beyond the 401(k)

You spent decades accumulating it. Now comes the harder question: How much of it do you actually get to keep?

You Budgeted for Retirement. Did You Budget for Medicare?

Turning 65 does not necessarily mean your health-care costs go down.

The Long-Term Care Plan

Medicare Doesn’t Cover Long-Term Care. Yes, Really.

Medicare covers a great deal of medical care. Long-term custodial care is a different problem.

The Compliance Dragon: The Bane of Everyone’s Existence

Rules are necessary. Letting administration consume the business is not.

The Password

Life Insurance: Term or Permanent?

The labels multiply quickly. The first useful distinction is whether coverage is temporary or designed to last.

Medicare Types of Care: Who Pays for It?

Home health, skilled nursing, palliative care and custodial care sound related. Medicare treats them very differently.

The Regulation

Your Best Employee Just Quit. Now What?

Turnover costs far more than the final paycheck.

Your Retirement Shouldn’t Be a Roller Coaster

You do not have to expose every retirement dollar to loss in order to pursue growth.

The Market

Tax Roulette: The Risk You Can’t See on a Statement

Tax deferral can be valuable. The unknown is what tax rules and tax rates will look like when you need the money.

Life Insurance Is for the Living

Modern permanent life insurance can do more than leave a check after death.

The Partnership

It’s Not How Many Apples You Grow. It’s How Many You Keep.

Account value and spendable retirement income are not the same number.

What If Social Security Can’t Pay Full Scheduled Benefits?

“Failure” does not mean Social Security suddenly goes to zero. But relying on one income source is still a risk.

The Tax Plan

Got a 401(k)? Retirement Planning Is Bigger Than the Account

A 401(k) can be a terrific accumulation tool. It does not answer every retirement question.

Two Powerful Roads to Tax-Free Money

Roth accounts and properly structured life insurance play very different roles—but both deserve a place in the tax conversation.

The Succession Plan

Inflation Can Eat Your Golden Years

The number on your retirement statement matters less than what those dollars can actually buy.

It’s a Trap? The Other Side of Tax Deferral

A tax deduction today is not the same thing as eliminating the tax.

The Key Employee

The Compliance Headache

The Turnover Problem

The Indispensable Employee

Retirement

Market Downsides Happen

The real retirement question is what happens when a downturn arrives at the wrong time.