Posts By: Michael Espinosa

What You Need to Know About Summary Plan Descriptions

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From health insurance to retirement plans, sometimes you don’t read the fine print as closely as you should. If you ask most Americans about the key benefits in their insurance plan or about the finer points of their employer-sponsored retirement plan, it’s unlikely they’d be able to recite them verbatim — if at all. Fortunately,…

Creative Insurance Solutions For Small Business Owners

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With key reforms of the Affordable Care Act (ACA) taking effect in 2014, one decision that small business owners (i.e. those under 50 employees) are considering is whether to continue offering group insurance coverage or to let employees choose an individual plan. However, a creative option for small business owners to consider is a pure…



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