Your guide from hire to retire.
ESTA, ESTA – Read All About It! ESTA, Michigan’s Earned Sick Time Act continues to raise questions for employers, particularly smaller employers who offer limited paid sick time. For example: • If you have 10 or more employees (including full-time, part-time, and temporary employees), you are required to provide at […]
When meeting with our philanthropically minded clients, we often say, “give cash last.” Donating cash is simple, but it’s not always the most tax efficient. As we are nearing the end of the year, many clients plan to make charitable contributions, and it is our job to help make those […]
When our oldest got her first job, we were thrilled for her! As her parents, we were trying to balance being excited while helping her learn how to manage the bigger paychecks than she had seen in the past from babysitting and other odd jobs. As your teen(s) start earning […]
Unlocking the Best Safe Harbor 401(k) Design: Options That Maximize Benefits & Compliance When it comes to offering a retirement plan that’s both attractive to employees and compliant with IRS regulations, Safe Harbor 401(k) plans are a top choice for many employers. These plans simplify administration by eliminating the need […]
Michigan’s Minimum Wage &Paid Medical Leave Laws – Here We Go Again! If you’re feeling a bit of whiplash regarding the minimum wage and paid medical leave news in Michigan, you’re in good company. Frankly, I’ve lost track of the number of times this has been the topic of the […]
Employees & Substance Abuse One of the hardest issues a leader may face is an employee with a substance abuse issue. I wanted to learn more about managing this situation, so I took my Fun Socks notebook on the road and interviewed an expert. In addition to being a […]
We all know healthcare costs increase annually. Medical trend increases are based on higher costs for prescription drugs, advancement in medical technologies, reinsurance costs and regulatory changes. So, what are the reasons for the higher than normal premium rates as we approach 2025? The aftereffects of COVID are creeping into the system.
Compliance Testing & Filing Form 5500 Have you received an email asking for the annual census and compliance questionnaire to be submitted? Or maybe you’ve already done that, and have been asked to sign the Form 5500 for your retirement plan offering? These are very important pieces of administering your […]
Over the years of working alongside a number of family offices, I continue to be impressed by the sincere care demonstrated for the family (or families) they serve. While we provide life insurance reviews, on-going service and marketplace insight on their current portfolios, we also strategize with family offices on […]
PCORI Fees – What are They and When Do I Pay Them? One of the many requirements in the Affordable Care Act (ACA) is the Patient-Centered Outcomes Research Institute (PCORI) fee, an often overlooked but essential aspect of compliance. The PCORI fee is a charge imposed on issuers of specified […]
Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc. A Registered Broker/Dealer and Investment Advisor, Member FINRA/SIPC. Rose Street Advisors is independently owned and operated.
Please go to www.mfin.com/DisclosureStatement for further details regarding this relationship.
Check the background of this Firm and/or investment professional on FINRA’s BrokerCheck.
For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to mfin.com/m-securities
Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.
This site is for information purposes and should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney, financial or tax advisor or plan provider. CA Insurance License. File #5757992.1
