Benefits—particularly health care coverage and retirement savings options—weigh heavily on the minds of business owners across the country. They worry about raising rates and offering competitive plans. But they also worry about their own bottom lines, and how much they can cut before benefits suffer. Those worries trickle down to their employees, who depend on those benefits to take care of their families and prepare for their futures. More 

If there is one constant in American health care, it’s the desire to do better. Our collective notion of how to deliver health care and retirement security has been in a constant state of flux during the past century. Both have evolved continuously, undergoing much debate, analysis, and change, over and over again. And now health care is on the cusp of another renovation—and it probably won’t be the last. More

For my clients who are near retirement, one of their most common concerns relates to taking Social Security benefits. Unless you are well informed on this issue, a misstep could cost a family thousands of dollars in foregone benefits. So when my clients ask me when they should start taking their benefits, my short answer is, "It depends." More 

While the debate over the health care system rages on, the other critical challenge we face this century is the education of our children. With each new generation, we expect innovation to fuel growth and move us forward. However, innovation depends on a well-educated population and workforce, and if we continue to reduce our investments in education, the outcome is troublingly predictable. More