Key-Employee Benefits: Check the Gaps in Group Coverage
David RileyFind gaps in group life and disability benefits. Review coverage caps, taxes and portability, and distinguish employee coverage from key-person insurance.
About David Riley
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What Does a Guaranteed Income Feature Actually Guarantee?
David RileySeparate an annuity’s income base, account value and surrender proceeds. Review charges, withdrawal conditions, insurer obligations and household liquidity.
Capital Gains: The Holding Period Is Only Part of the Decision
David RileyWeigh a possible long-term tax saving against price risk, concentration and cash needs. Verify basis, tax lots and income interactions before a sale.
Turn Open Enrollment Into a Clear Employee Decision
David RileyExplain premiums, cost sharing and coverage checks through contrasting household scenarios. Improve communication, enrollment confirmation and payroll accuracy.
Charitable Giving in 2026: Recheck the Tax Assumptions
David RileyCompare 2026 charitable-giving rules: nonitemizer deductions, the itemizer floor and IRA gifts. Choose a method that fits your goals and resources.
Prepare Plan Amendments Without Confusing Paperwork and Operations
David RileyTrack effective dates, amendment deadlines and provider responsibilities separately. Compare documents with payroll operations and investigate gaps promptly.
Start Year-End Planning While You Still Have Choices
David RileySequence tax projections, required distributions, charitable transfers and payroll changes. Separate legal deadlines from processing time and verify completion.
Tax Diversification Gives You More Withdrawal Choices
David RileyCompare spendable cash from taxable, traditional and Roth accounts. Review the whole tax year and remaining resources before choosing a withdrawal sequence.
Student-Loan Matching and Education Assistance Are Different Benefits
David RileySeparate retirement matching on employee loan payments from Section127 assistance. Compare where money goes, program limits and administrative responsibilities.
Risk Capacity Can Change Even if Your Personality Does Not
David RileyCompare the same portfolio loss before and after retirement. Connect risk capacity with withdrawals, earmarked cash and realistic spending adjustments.
