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Embracing daily improvement, building consistent client relationships and applying proactive strategies will help advisers deliver lasting value to their clients.

When the tech stack is solid and direct lines exist between systems, they can provide better service and focus on strategy, not troubleshooting.

Americans want lower healthcare prices, but few trust the government to act. Employers can help fill that vacuum.

In a world of rapid change, economic pressure and rising expectations, organizations that lead with trust, transparency and cultural clarity will outperform.

Consultants who help clients simplify their vendor ecosystems and make data-driven decisions aren't just solving problems – they're building trust.

Long gone are the days of set-it-and-forget-it fully insured policies, as transparent models empower employers to take control of health insurance costs.

While acknowledging differences is critically important, so too is identifying the shared needs and desires that align various members of the workforce.

To rein in rising costs, employers can contract directly with a PBM, as well as avoid schemes involving rebates and "specialty generics."

If employers want employees to be happier, healthier and more productive, then they have to actually measure each of those areas.

Adopting most-favored-nation pricing could save hundreds of billions of dollars along the way to holding PBMs more accountable and eliminating 340B program abuse.