Employer

And the Regulations will be Televised

Rejoice, Americans – Congress has done it again! Another year and another opportunity to punt the Medicare/Health Spending can down the road… Back in 1997, our government began its quest to tackle the unsustainable increase in healthcare spending by enacting legislation which created a formula, aptly titled “the Medicare Sustainable Growth formula”, through the Balanced […]

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Merrill Lynch survey – top retirement concern is health care costs

According to a recent survey conducted by Merrill Lynch it would appear that, for people 50 years old and older, the major concern in retirement was the overall cost associated to health care.

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From the Fiduciary Rule to the myRA to the Government regulating Employer Retirement Plans

In the past 6 months the federal government has already expanded the fiduciary rule, which states that a person controlling another person’s assets must place that person’s needs before them, along with designing the myRA, a retirement account for individuals that do not have access to an Employer Retirement Plan, i.e. a 401(k).

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February 2018: A possible wake-up call for financial planning.

One of the greatest concerns the general public has is how to fund for all of the costs associated with health care in retirement. The proverbial elephant in the room is the simple fact that this one expense is either not being addressed at all, or, at best, the probability of it being properly planned […]

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The forgotten 3rd Guarantee in life to death & taxes – health costs

Throughout history it is has been said that there are only two axioms permanent in life: death and taxes. But, thanks regulations from the federal government, there is a third, which just happens to be healthcare costs.

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Rising interest rates and your state & local governments

Interest Rates have been at historic lows since the start of the recession and now there are rumblings from those on Wall St and other financial gurus that they will start to creep up.  But, has anyone thought about the ramifications of an increase in rates on governments at the state & local levels? As […]

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What you don’t know about Obamacare will hurt you… The Cadillac Tax

Pages 729 through 736 lay the breathe taking groundwork of a new tax, the Cadillac Tax, that will impact not only you, but also your employer (this includes any of those defined as self employed too!). This new tax, the Cadillac Tax, which is detailed on page 729 of the Affordable Care Act is a […]

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