Headcount Changes Can Trigger Different Benefits Obligations
David RileySeparate ACA, COBRA, FMLA and retirement eligibility calculations. Use a growing-company example to identify obligations and prevent census errors.
About David Riley
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What Belongs in a Useful Written Financial Plan?
David RileyMake a written financial plan useful. Connect assumptions, alternatives and assigned actions to your income, investments and protection needs.
Review Coverage Before a Small Gap Becomes a Big Expense
David RileyCompare insurance coverage, exclusions and retained risk. A deductible example shows why a lower premium needs to fit the household’s available cash.
A Retirement Plan Review Should Cover More Than Returns
David RileyReview retirement-plan participation, fees and payroll controls alongside returns. Understand deposit timing and turn findings into assigned actions.
Phased Retirement: Test the Cash Flow Before You Cut Hours
David RileyModel reduced pay, replacement health costs and benefit timing before cutting work hours. Build a cash-flow bridge and a fallback if part-time work ends.
A Midyear Tax Projection for Retirement Income
David RileyCombine retirement income and planned transactions in a 2026 projection. Distinguish the expected final bill from payment targets and installment timing.
Phantom Equity, Bonuses and Deferred Pay: Compare the Promises
David RileyCompare incentive formulas, ownership expectations, vesting and payment timing. Test company cash needs before promising a value-based or deferred award.
Helping With Education Costs Without Becoming the Family Bank
David RileySet a sustainable education commitment, verify 2026 qualified expenses and coordinate 529 distributions with other tax benefits and family support.
Interest Rate Changes Affect Savers and Borrowers Differently
David RileyCompare savings income, borrowing costs and bond prices under both rate directions. Review actual balances and contract terms before reacting to a headline.
Governmental 457(b) Catch-Ups Need Their Own Payroll Logic
David RileyUnderstand governmental 457(b) catch-ups. Separate age-based and special pre-retirement limits, employer contributions and Roth payroll rules.
