Present and Future

While managing today's issues are critical, to appropriately address risk you need also understand what risks and opportunities lie ahead.

Industry leaders recognize that preparing for the future is critical to your success. Without considering the future, how is it possible to set the right strategy, capture the best opportunities, or evaluate risks?

Market Overview: Challenges Facing Employer Sponsored Healthcare Plans

Market Overview: Challenges Facing Employer Sponsored Healthcare Plans

By Mike Wojcik, MBA, CLU, CFP®, Senior Vice President of Horton Benefit Solutions

The Affordable Care Act (ACA) continues to dominate the news concerning the future of Healthcare and Health Insurance. Under its current course, one of the largest employee benefits and related expenses facing employers might no longer be sustainable!

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Injured reserve: Should America want a strong dollar? It’s complicated

Injured reserve: Should America want a strong dollar? It’s complicated

The why of it matters

Matt Yglesias gives his answer using this approach. If the dollar is rising because the Fed is inducing a deflationary recession, that's probably not good for anyone. But another way to approach to the question is to ask whether the dollar is overvalued or undervalued. If the dollar is overvalued, then a bout of weakening would be a healthy thing. How can you tell if a currency is overvalued or undervalued? 

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Injured reserve: Should America want a strong dollar? It’s complicated

Risky Business

Risky Business

MULTINATIONAL companies have always paid careful attention to political risk in the developing world. No surprise there, given the risk premium attached to investment in emerging markets.

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Risky Business

Global Brexplosion!

Global Brexplosion!

Global Brexplosion!

In June 2016's Brexit vote was equal parts unprecedented, omi­nous, and stunning.

SI interviewed Saeculum Research Founder and President Neil Howe to get an overview of all the economic, political, and market sequelae that are likely to issue from Brexit.

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Business in America Too much of a good thing

Business in America Too much of a good thing?

Are profits too high? Is it time for America to get a giant dose of competition?

Profits are an essential part of capitalism. But high profits across a whole economy can be a sign of sickness. They can signal the existence of firms more adept at siphoning wealth off than creating it afresh, such as those that exploit monopolies.

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Business in America Too much of a good thing

Soaring Drug Prices Raise Tough Questions

Soaring Drug Prices Raise Tough Questions

Soaring Drug Prices Raise Tough Questions

The debate over exorbitant prices has its roots in a longer generational story that has redefined the priorities and the organization of the pharmaceutical industry over the years.

Are we not being set up for a tradeoff: In exchange for accelerated progress, we shell out for erratic, punishing prices as high as the market will bear?

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Is Wage Growth Becoming a Risk?

Is Wage Growth Becoming a Risk?

Is Wage Growth Becoming a Risk?

Since the 2009 recession, wages in the United States have been essentially flat. As the economy improves and employment increases, we are hearing many clients speak of the difficulty in hiring skilled employees.  In past economic cycles, this has led to increasing wages. The Economists’ article, “Looking for a Rise” contains important information on this trend.

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Generational Benefit Plan Selection

Generational Benefit Plan Selection

Generational Benefit Plan Selection

As unemployment falls, baby boomers near retirement, and many industries experience a shortage for skilled labor in many trades - a war for talent is underway.  With an opportunity to attract and retain employees, benefits plays a key role in boosting employee loyalty.

But with increasing benefits, employers also think they have to increase costs.  Maybe not.  Maybe there is a better way to recognize the different preferences of each generation of employee and design a program that not only is cost effective, but gets to the heart of what is most important for them.

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Future of Cyber Issues

The Future of Cyber Issues

The Future of Cyber Issues

According to the Travelers Insurance 2015 Business Risk Index, cyber risks ranked as the second biggest concern for all businesses, up from fifth last year.  Businesses are most concerned about malicious and criminal attacks (55%), followed by human error (24%), and system glitches (21%).

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The Future of Healthcare

The Future of Healthcare

The Future of Healthcare

The Affordable Care Act has dramatically impacted how employers view benefits and the strategies taken to attract employees while managing costs. 

For those who play their cards right, this could be a huge opportunity to compete for people and keep lower costs vs. your peers.  For those who choose to do nothing, the worst maybe yet to come.

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