Banco Popular de Puerto Rico

Engaged savers, specifically those who are near the end of work, deserve an appropriate spectrum of risk options.

What started with a silly social media post has become one adviser’s entire marketing plan.

Many workers aren’t using their pre-tax dollars as wisely as they could. But employers can help them avoid inappropriate care with tools that support informed medical decision-making.

Companies should build a culture of tolerance, educate employees so they can challenge misconceptions and offer benefits that make seeking care convenient and private.

Advisers need to guide their clients around these three obstacles.

Today’s healthcare providers are largely unaccountable and unaudited in terms of their pricing and underlying costs.

Younger employees need coaxing and encouragement to save for the future.

Scheduling on-site training, attending webinars and preparing yearly checklists are among the best ways employers can fulfill their responsibilities, says benefits lawyer Carol Buckmann.

To help employees secure their financial futures, firms should consider their benefits package, worker needs and education efforts.

Advisers are not required to find the best investment for clients -- only what is considered in their best interest.