Open Enrollment—that brief, annual window when you can adjust your workplace benefits—is more than just an HR formality; it's a critical financial planning opportunity. This is your chance to strategically select coverage and accounts that can save you significant money and protect your financial health over the next year.

Too many employees simply auto-renew their elections, missing out on new or better options. Don't make that mistake! Approach your open enrollment period like a financial audit.

The holiday season is a time for joy, celebration, and creating cherished memories with loved ones. However, it can also be a period of significant financial strain if not approached with a thoughtful plan. Between gifts, decorations, travel, and festive meals, expenses can quickly add up, leaving us with a lingering financial hangover in the new year.

But fear not! With a few practical strategies and a dash of discipline, you can enjoy all the magic of the holidays without derailing your financial goals.

Online shopping has become an indispensable part of our lives, offering unparalleled convenience and access to a world of products. However, with the ease of a click also comes the need for vigilance. As we increasingly rely on e-commerce, especially during peak shopping seasons, understanding how to protect your personal and financial information is more critical than ever.

Life care planners are professionals with specialized training and expertise in assessing and planning for the long-term needs of individuals who require ongoing care. They often have backgrounds in nursing, rehabilitation, social work, or case management. Many hold certifications, such as the International Commission on Health Care Certification’s Certified Life Care Planner (CLCP) certificate, which ensures adherence to established professional standards and practices.

For many parents of children with special needs, caregiving is not a temporary role but a lifelong responsibility. This role can be deeply meaningful and filled with love, yet it often comes at a steep personal cost. Caregiver parents may find themselves emotionally drained, socially isolated, and physically exhausted, with little time left to nurture their own needs. Over time, the weight of being “always on” can erode their sense of identity and their well-being.

Every day, 2,300 people are reported missing in the United States. When an adult with a cognitive, intellectual, or developmental disability goes missing, they can be especially vulnerable to bad actors or accidents.

If lost, intellectually disabled adults may become confused or be unable to recognize signs of danger. In some cases, individuals may be nonverbal or not know how to ask for help. Others may not understand how to respond to commands from law enforcement.

As the year draws to a close, it's a great time to take a proactive approach to your finances. A few strategic moves before December 31 can help you lower your taxable income, reduce your tax bill, and set yourself up for a stronger financial future.

In the world of investing, a set-it-and-forget-it approach can be costly. Even if you've built a well-diversified portfolio, its components can drift out of alignment over time. This is why periodically reviewing your investment strategy and rebalancing your portfolio is one of the most important habits for long-term financial success.