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Ludwig, ChFC, AIF, CRPS, is an LPL Financial adviser with LHD Retirement.Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.
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As healthcare costs climb, more large employers are contracting directly with hospitals and health systems to work out prices, improve quality and steer care.
Asking difficult questions, pushing for transparency, and challenging how prices are set have helped a healthcare provider offer better coverage to its employees.
From fiduciary guidance to financial education, advisers are taking on more responsibility as sponsors expand investment choices and focus on participant outcomes.
A financial spreadsheet alone cannot capture the total value and performance of a benefits program, nor can numbers on a ledger guarantee long-term operational success.
A pensions specialist explains why fiduciary responsibility extends beyond investment oversight and how proper safeguards serve as a critical layer of protection.
