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Retirement & Finance

ERISA Coverage of 403(b) Plans

A 403(b) plan is a retirement program for employees of public schools, certain tax-exempt organizations and certain ministers. Under a 403(b) plan, employers may purchase annuity contracts or establish custodial accounts invested only in mutual funds for the purpose of providing retirement income for their eligible employees. The annuity contracts […]

Coping with a Financial Crisis

Life has a way of throwing unexpected financial roadblocks, detours and potholes in our path. These might be large medical bills, car or home repairs, a death in the family, loss of a job or expensive legal situations. Such financial emergencies can derail your efforts to save for retirement. The […]

How a Financial Wellness Program can Improve More than the Bottom Line

In 2008, the United States began to fall into what is now known as the Great Recession. The economy found itself in a downward spiral that did not stabilize for 18 months and has taken years to recover. Since then, our economy has improved and in some areas exceeded the […]

2019 Cost of Living Adjustment Largest in 7 Years

The Social security administration makes adjustments every year to the supplemental income it provides to senior citizens, veterans, and disabled persons. This adjustment is called the Cost of Living Adjustment, or COLA, and in the last 7 years has ranged from 0% in 2016 to 3.6% in 2012. The increase […]


You just landed your first career job and the HR department is talking about your benefits package. It all sounds good and you enroll in your company medical, dental, vision, life insurance, and this thing called a 401(k). But what exactly is a 401(k)? Is it the only type of […]