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It’s impossible to overstate the importance of financial wellness in the workplace. This benefit works to protect your employees financially, and otherwise. Finances and the stress they cause can have a substantial impact on your organization’s success. According to a 2017 survey from Mercer, employers can lose up to $250 billion a year due to employees’ […]
Financial stress today is kind of like the Cucumber Melon scent from Bath & BodyWorks in the early 2000s. Despite its near ubiquity, seemingly nobody is talking about how bad it is. Unlike cucumber melon lotion though, the adverse effects of financial stress go beyond offended olfactory sensors. The effect financial stress can have on […]
Think about the phrase supply chain. What do you picture in your mind? An actual chain, a pile of unmarked boxes, UPS? My guess is you’re not thinking about the healthcare industry. Yet, for many business owners, your healthcare supply chain could be the difference between a marginal and robust bottom line. In this article, […]
Once a year the Society of Human Resources Management (SHRM) meets at its annual conference. Every year this conference delivers insights into the latest HR trends. One of the methods SHRM uses to explore these trends is through the SHRM Employee Benefits Survey. The 2018 Employee Benefits Survey brought a handful of key insights to […]
Let’s imagine you’re sick. Your face is pounding, and it’s impossible to breathe through your nose. You have mucus running down the back of your throat with the steady consistency of the Mississippi River. You know you’ve got a sinus infection. But the last thing you want to do is leave your house. Much less […]
In 2016, Americans left 662 million vacation days on the table, according to Project: Time Off. An increase of four million days from 2015. Out of those 662 million days, an estimated 206 million are forfeited days. Essentially, U.S. workers sacrificed $66.4 billion in 2016 benefits alone. This number means, for 2016, each American employee […]
According to a 2016 Glassdoor survey, a company’s health insurance has the most significant effect on how employees rate their benefits. This statistic makes perfect sense if you know the exorbitant costs of healthcare in America. In 2016, U.S. healthcare costs totaled $3.3 trillion, or $10,348 per person. But it’s not just employees who are […]
Two years into Donald Trump’s presidency and the Affordable Care Act is still, somehow, alive. Despite the push to repeal and replace the ACA, the law remains intact. So, let’s check out what you need to know, as an employer, about ACA compliance for 2018. What’s Staying the Same (For Now)? Employer Mandate The […]
In early May 2018, President Trump gave a speech outlining his administration’s plan to combat pharmaceutical pricing. In his remarks, the president promised action that will spur immediate impact on drug prices. Whether these changes have the effect promised, it’s clear something in the industry needs to change. A 2017 government investigation found the amount […]
There is still a myth out there amongst employers that health insurance companies truly want to help companies reduce premiums. Folks, we need to bust this myth and there are two very simple reasons why. The first reason is the rule known as the Medical Loss Ratio (MLR). The government enacted the Medical Loss Ratio […]
Student loan debt, in 2018, has continued its climb. This month the Federal Reserve Bank of New York announced student debt now totals over $1.41 trillion in outstanding loans. Student debt is now the second largest source of household debt. In fact, student debt is the only form of consumer debt to grow preceding the Great […]
Happiness, according to Peanuts creator Charles Schulz, is a warm puppy. And while you may not agree with Charlie Brown himself, many Americans do. The 2017-18 National Pet Owners Survey concluded 68 percent of American households own at least one pet. In total, 84.6 million U.S. homes have a pet. Last year these 84.6 million […]
Tim Olson, Greg Ritzdorf, Jeff Wallace, and Sandy Petzoldt are registered representatives with Cambridge Investment Research Inc., a Broker/Dealer, Member FINRA/SIPC.
Cambridge Investment Research, Inc is registered to do business in all 50 United States. Tim Olson is licensed to offer securities products and insurance products in AZ, CO, IA, KS, MN, MO, NE, NJ, SD, UT, and WY. Greg Ritzdorf is licensed to offer securities products and insurance products in MN, NE, IA, KS, and MO. Jeff Wallace is licensed to offer securities products and insurance products in AZ, CO, IA, KS, MN, MO, NE, NJ, SD, UT, and WY. Sandy Petzoldt is licensed to offer securities and insurance products in CO, NE, KS, MO, WY, IA, SD. The information included herein should not be considered a solicitation or an offer to sell products in any state besides those in which Tim Olson, Greg Ritzdorf, Jeff Wallace, and Sandy Petzoldt are properly licensed.
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