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Retirement Savings: Leave It to the Experts…and Leave It Alone!

Making the decision to start contributing to a 401k plan isn’t easy, but it is a “yes” or “no” question. Once you decide to go with “yes” (which I hope everyone will do), then you have to decide:

  • How much to contribute?
  • How to invest that money?

In most cases, we know the factors that will impact how much we contribute – our salary, our bills, our spending, etc. Unless you’re very familiar with the stock market, though, deciding on how to invest your contributions (hopefully with an...


The Way Forward on Migration – March 1, 2017


“Nations around the world, like Canada, Australia and many others --- have a merit-based immigration system…Switching away from this current system of lower-skilled immigration, and instead adopting a merit-based system, will have many benefits: it will save countless dollars, raise workers' wages, and help struggling families --- including immigrant families --- enter the middle class.”    President Donald J. Trump Address to a Joint Session of Congress, February 28, 2017


There are so many issues to unpack around this call for a merit-based immigration system that it is...


The Millennial Savings Challenge


Some time ago, after I graduated with my undergraduate degree, I was lucky enough to get a job working for the governor of Nevada (see, internships can pay off!). I was also fortunate to have a great boss (the governor himself) who impressed upon me how important it is to start saving for retirement, even at the tender age of 22. I started saving early because I was able to make a small contribution with my modest salary. Had I been saddled with huge amounts of student loan debt, that wouldn’t have been possible.

So it’s no surprise to...


The Oscars Tragedy and You

I watched in anticipation Sunday night as the best movie of the year was about to be revealed. l was pulling for Fences or Lion so I knew they would not win.
And, then Bonnie and Clyde, also known as Faye Dunaway and Warren Beatty, announced the movie of the year.  Beatty looked confused, knowing something was wrong.  He showed the card to Dunaway, who blurted out La La Land.
The winning team went on stage and happily accepted the award. But there was background noise. And, soon,...

Challenge Your Employees to Save for Retirement!

Too many of us don’t think we have enough disposable income to invest in our retirement.  Sure it would be great if every employee maxed out on their 401k contributions every year, but the reality is that most people don’t have the finances or discipline to do this. 

My first challenge to my employees is to “do more”.  Contribute 1% more than you did last year.  Plan your increase in 401k contributions with your raise so you don’t notice the increase.  A recent report published in USA Today reported that “more than 45% of 18 to 23-year-olds have spent...


PTO is Not Always a Week at the Beach

It’s late February and many employees have just had their last corporate paid holiday, President’s Day, until Memorial Day. That’s almost four months away until we get to enjoy another three-day weekend. Pack in some cold and cloudy days for a many parts of the world and you can see the stress levels rise. For HR professionals, this time of the year can really tempt the blood pressure. Many are rolling off a tough open enrollment period, most are in the thick of annual performance management and compensation

#Nextchat: Employer Branding from the Inside Out


Who are the absolute best recruiters now?

Your employees.

And there is probably no one in the recruiting world who agrees with this more than Craig Fisher

Fisher has been writing and speaking about employer branding for years and has been studying this trend as it has evolved over the past decade.

In the blog post Sharing Your Culture – How to Activate Your Employee Advocates, Fisher writes about the success he has seen at his employer, CA Technologies. 

“An employer’s brand should be built from the...


Retirement Savings: How Small Changes Can Make Big Differences



Many of us are fortunate to work for an employer that offers health care and retirement benefits that help us to live healthy, financially productive lives. In fact, according to the SHRM 2016 Benefits Survey, 98 percent of employers offered health care coverage and 94 percent offered some type of retirement plan.

If you have access to an employer-provided plan, what are a few easy steps you can take to increase your nest egg? As we kick...


Why ‘One Size Fits All’ Is No Longer A Relevant Benefits Strategy

If you’re like most employers these days, your workforce is comprised of four distinct generations whose ages are separated by as many as 50 years. 
On the plus side, that diversity provides a wealth of expertise and talent to enrich the organization. But it also poses management challenges, high among them the need to ensure a benefits strategy that reflects each group’s particular financial goals and concerns.
Given that demographic spread, the “one size fits all” approach to plan design has become an anachronism. 
A tailored...