Seasonal Hiring Needs a Benefits Eligibility Process
David RileyPreserve prior service and check each plan’s rules when hiring seasonal staff. A returning-worker example shows why payroll labels cannot decide eligibility.
About David Riley
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Retirement Readiness Is More Than a Savings Benchmark
David RileyEqual savings can support different retirement choices. Compare income gaps, healthcare costs and survivor needs before setting a retirement date.
Investment Myths That Can Distort Retirement Decisions
David RileyLook beyond familiar investment labels. Examples explain dividend value, bond price risk and cash purchasing power in a retirement spending plan.
Retirement Plan Tax Credits: Model the Net Cost Carefully
David RileyModel startup, employer contribution and automatic-enrollment credits separately. Check eligibility, deduction offsets, cash timing and costs after credits end.
After Filing, Put Your Tax Return to Work
David RileyTurn a completed return into planning questions. Separate recurring income from unusual transactions, project changes and review withholding with your advisors.
Simplify Your Accounts Without Losing Useful Features
David RileyOrganize accounts before moving assets. Compare rollover fees, protections, investment choices and tax treatment, then verify any completed transfer.
Inherited IRAs in 2025: A Ten-Year Deadline May Not Be Enough
David RileyLearn when a ten-year inherited IRA deadline also requires annual RMDs. A defined beneficiary example illustrates the 2025 calculation and tax choices.
HSA, Health FSA and HRA: Similar Initials, Different Rules
David RileyCompare benefit ownership, funding, reimbursement timing and HSA coordination. Model employer exposure and explain the differences employees need to know.
Before You File: Check Basis, Beneficiaries and Withholding Records
David RileyReconcile investment basis, estimated payments and unusual retirement transactions for the 2024 return. Keep beneficiary reviews on a separate task list.
Executive Bonus Benefits: Who Owns the Policy and Who Pays the Tax?
David RileyReview employee-owned policy bonuses, payroll tax treatment, gross-up cost and ongoing funding. Compare the benefit with cash and deferred compensation.
