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Commentary: Columnist Nelson Griswold talks about how the ACA is a massive employer subsidy and why you need to be ahead of other small-group brokers on renewals this year.

Commentary: Columnist Mel Schlesinger reveals his sales techniques including only meeting with prospects who also want to meet with you.

Commentary: Columnist Craig Davidson walks through the importance of ensuring solid immigration forms are in place for all employees.

Commentary: Columnist John Ludwig says there's no "silver bullet" to solving all employers' financial wellness problems, but looking at certain demographic factors of your group is a good place to start.

Commentary: Blogger John Graham says we are our presentations because we're the ones up there getting judged. Here's seven steps to putting your best foot forward.

Commentary: Blogger Michael Klachefsky shares ways that disability insurance providers and absence management vendors can help with some unexpected consequences of the health law.

Commentary: Blogger Mark Gaunya discusses a niche way some smaller employers might find appealing as a self-funding strategy to control health care costs. It’s called a captive solution.

Commentary: Guest blogger Rich Fahn, a small business-focused benefit broker, gives advice for the challenging conversations brokers will have to have with many small groups as premium hikes are mounting.

Commentary: Columnist Jack Kwicien notes that the future for benefits brokerages is unpredictable and tough, so one survival strategy might just be the private exchange.

Commentary: Blogger Craig Hasday wants you to know what this new law could mean for advisers, and Washington.