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When most people think of retirement planning, they tend to immediately gravitate towards stocks and bonds, but there are many other viable options. One of these that is lesser known but gaining rapidly in popularity is called a fixed index annuity (FIA) fund.
Getting ready to enjoy your "golden years" and saving and planning to do the same isn't a simple, easy proposition in today's economy. And while you might not want to think about it, the fact is, an untimely passing of yourself or your spouse could completely disrupt those plans for the survivor.
It may seem like it's much easier to just continue effortlessly with an existing health insurance plan versus going through the extra work of evaluating new options and possibly even changing plans, but the fact is, with help from an experienced health insurance agent, finding and applying for a new health plan can be simple.
Whether or not you have a full time, official HR department or not for your small business, there are going to be times when you need some expert HR consulting advice. Two of those times are clearly during downsizing and upsizing.