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HIPAA Privacy and Security Compliance Webinar

HIPAA privacy and security rules are complex and violations can trigger expensive penalties. Our recent webinar, held on January 16, was aimed to help employers better understand how HIPAA rules apply to their business and their health plans. We also addressed the specific complexities related to those who operate in the healthcare industry.

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Investment Commentary | A Long and Winding Road

On Monday, Apple was one of the first major U.S. companies to announce that it won’t meet its revenue forecasts for the first quarter due to the coronavirus outbreak. The coronavirus appears to be dominating the news – what has this meant for markets and what do we expect going forward?

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Investment Commentary | Groundhog Day

If you were among the 100 million people who watched the Super Bowl on Feb. 2, you may have seen the commercial in which Bill Murray reprised his role from the 1993 movie Groundhog Day. Murray played Phil Connors, a weatherman caught in a time loop and forced to relive the same day over and over again until he gets it right.

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Legacy, Loyalty or Liquidity?

This is part of an ongoing series of articles about estate planning and succession planning, written by Joe Maier, JD, CPA, Senior Vice President, Director of Wealth Strategy

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Investment Commentary | Cold or Flu Season?

In the last week, the stock market has been weak. In fact, it is now in negative territory for 2020. In particular, as news that the coronavirus hitting China has spread beyond its borders, we’ve seen a downward acceleration in stock market weakness.

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Investment Commentary | Geopolitical Risk!?

Oftentimes, news headlines about a particular day’s market movement highlight geopolitical risk as a reason for price volatility. Last week was an action-packed geopolitical risk week.

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Investment Commentary | Turmoil in the Middle East

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Brian Andrew, EVP, Chief Investment Officer.

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Q1 2020 Investment Outlook

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Brian Andrew, EVP, Chief Investment Officer.

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The SECURE Act is official. Do you know how it may impact your company’s retirement plan and employees?

On December 20, 2019, the Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into law as part of the 2019 spending bill. The Act contains many provisions affecting both qualified retirement plans and Individual Retirement Accounts (IRAs). Some of these provisions are complex changes that will require additional guidance and interpretation.

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What makes a great financial advisor?

This is part of an ongoing series of articles about estate planning and succession planning, written by Joe Maier, JD, CPA, Senior Vice President, Director of Wealth Strategy

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Protect your wealth with umbrella insurance

If you own a house and have a retirement account or other investments, an umbrella policy should be a part of your financial plan and a step towards protecting your wealth.

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What does end of life for Windows 7 mean for you?

If you or your business have computers running Windows 7, Microsoft® will no longer provide software or security updates starting January 14, 2020.

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Investment Commentary | Whose Parade is it anyways?

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Brian Andrew, EVP Wealth and Chief Investment Officer.

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Investment Commentary | Better Than Feared

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Jason Herried, SVP, Director of Equity Strategy and Wealth Portfolio Manager.

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The War for Talent

With low unemployment, businesses are in a battle for talent. It is a candidate's market. In addition to low unemployment, many employers are facing large numbers of baby boomers reaching retirement age.

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Investment Commentary | How low can you go?

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Brian Andrew, EVP Wealth and Chief Investment Officer.

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Investment Commentary | Trade vs. Trump

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Brian Andrew, EVP Wealth and Chief Investment Officer.

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Busting Three Popular Succession Planning Myths

This is part of an ongoing series of articles about estate planning and succession planning, written by Joe Maier, JD, CPA, Senior Vice President, Director of Wealth Strategy

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Economic & Market Outlook – Fourth Quarter 2019

Uncertainty is the word on the street these days as investors seem focused on geopolitical risks. Despite that underlying disquiet, bonds, stocks and alternative investments have all posted strong returns so far this year with the S&P 500 plus 21% and bond returns of 5-6%.

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Investment Commentary | Have you ordered your first pumpkin spice latte?

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Brian Andrew, EVP Wealth and Chief Investment Officer.

 

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Writing a Story Worth Retelling

This is part of an ongoing series of articles about estate planning and succession planning, written by Joe Maier, JD, CPA, Senior Vice President, Director of Wealth Strategy

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Product contamination: Ensure your company is properly covered

As a responsible food manufacturer, processor or distributor, your organization has taken careful and well‐planned steps to ensure that your facilities and the products produced there are safe.

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Investment Commentary | A Good Sniff

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Brian Andrew, EVP, Chief Investment Officer.

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It’s open enrollment season: Let’s up your game

For many organizations, benefit open enrollment (“OE”) season is fast approaching. OE can be a stressful time for employees and seasoned HR professionals alike.

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Investment Commentary | Now Hiring!

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Brian Andrew, EVP, Chief Investment Officer.

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Experience Modification Factor Explained

The years used in the mod factor are the last three audited policy terms. This means there is a one year gap between your mod year and the years of claim and payroll data used.

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Split Point Experience Rating Formula Explained

In the experience rating process, each loss is divided into a primary and excess portion. The first $16,500 of every loss is determined as a primary loss, with everything above that point considered an excess loss.

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Investment Commentary | Let's talk about China

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Brian Andrew, EVP, Chief Investment Officer.

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Dealing with disruption takes muscle

Savvy, competitive business owners know disruption is a constant. No matter the industry, it's not a question of whether you must deal with disruptive forces — it's when.

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Impairment at Work - Effects of Marijuana Use on Worker Safety Webinar

For insights into the implications marijuana legislation may have on your organization, view a recording of our recent webinar held on August 5, or click here to find a Johnson Financial Group advisor near you.

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Investment Commentary | Separating the Signal from the Noise

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Kelsey Seals, AVP, Portfolio Manager.

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Thinking of relocating your business?

Among the many reasons for a business to relocate, you might think square footage would be the leading catalyst.

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Investment Commentary | Geek Fest

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Brian Andrew, EVP, Chief Investment Officer.

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Do you need an estate plan? No, but you want one.

This is part of an ongoing series of articles about estate planning and succession planning, written by Joe Maier, JD, CPA, Senior Vice President, Director of Wealth Strategy

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Economic & Market Outlook – 2019 Mid-Year Review

The first half of 2019 included continued economic growth and strong returns from most asset classes. The abrupt change in Federal Reserve policy toward an easing bias helped fuel both equity and bond market gains. We expect U.S. economic growth to continue in line with the average growth rate for this expansion.

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How Our Brains Sabotage Our Financial Planning – And What to Do about It

This is part of an ongoing series of articles about estate planning and succession planning authored by Joe Maier, JD, CPA, Senior Vice President, Director of Wealth Strategy.

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Investment Commentary | Mind the Gap

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Brian Andrew, EVP, Chief Investment Officer.

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What story does your estate plan tell?

A great estate plan should tell your story; the story you want told if you’re not around to tell it. Your story communicates who you care about, what you care about and what you believe. It is unique to you.

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Investment Commentary | Can you push too far?

This is part of an ongoing series of articles published by Johnson Financial Group. This issue is written by Brian Andrew, EVP, Chief Investment Officer.

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Economic & Market Outlook - Second Quarter 2019

The extreme volatility experienced in late 2018 and early 2019 serves as a reminder that investing is about staying the course and focusing on long‐term investment goals rather than trying to predict short‐term market moves.

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One Tax Year Later: Assessing the Implications of the Tax Cut and Jobs Act

The Tax Cut and Jobs Act of 2017 (TCJA) brought a reduction in tax rates and significant changes to deductions for individuals and corporations in 2018, but its impact was not uniform. After the new law’s first full year, many were surprised to find that the law had some unexpected impacts. Johnson Financial Group’s Mary Pat Williams and Brian Andrew share comments on the new law and its observed implications for clients.

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Temporary Worker and Joint Employment Webinar

For insights into the pros and cons of temporary workers and joint employment, view a recording of our recent webinar held on March 12, or click here to find a Johnson Financial Group advisor near you.

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Investment Commentary | As smart as a fifth grader? U.S. and China trade tariffs explained

Last week, I was helping my son study for his fifth grade history exam. His class has been learning about the development of societies as they study ancient Mesopotamia.

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DOL issues new proposal on overtime exemptions

On March 7, 2019, the U.S. Department of Labor (DOL) issued a proposed rule that would change the salary thresholds for certain exempt employees.

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Why move when you can improve?

Moving is certainly one solution, but economically and socially, staying put and renovating may be a better choice.

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Economic & Market Outlook - First Quarter 2019

The return environment in 2018 proved to be challenging, with most major asset classes posting losses for the year [Exhibit 1]. 2018 also saw the return of volatility, which had been at unusually low levels throughout much of 2016 and 2017.

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Bridging Generations Essential to Success in Family Businesses

Family business is the engine that fuels the U.S. economy, yielding major impact on job creation and economic growth. Yet many struggle with basic objectives such as communication, mission, shared values and succession.

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Time for an Insurance Review

Insurance is one of those things you tend to get and forget—until you have to make a claim. And that's exactly the wrong time to find out your coverage is inadequate.

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OSHA Log and e-File Webinar

For more information on OSHA's injury and illness recordkeeping and reporting procedures, as well as the new post‐incident drug testing policies, view a recording of our recent webinar held on January 9 below, or click here to find a Johnson Financial Group advisor near you.

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A New Year's Resolution

One of our client's spouse spent the better part of 20 years—maybe even more—trying to convince her husband to get their estate plan in order.

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Are you financially literate?

The results of the 2017 Retirement Income Literacy Survey published by the New York Life Center for Retirement Income at The American College reveals some disconcerting news about investors approaching or recently entering retirement.

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How to Maximize Your Pension Plan Payments in Retirement

Your airline's pension plan, or defined benefit plan (A Plan/PBGC), is designed to provide you with a lifetime of income in retirement—your retirement “paycheck.”

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PBGC Benefits Review

In our work with airline pilot prospects and 400+ airline pilot clients since 1997, we have provided extensive guidance/advice on defined benefit and defined contribution pension programs elections and options.

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Why are 401(k) plans essential to your retirement planning?

With many large, lump‐sum payout pensions turning into a thing of the past it is becoming critical to your retirement success that you:

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Will the multifamily housing development boom continue?

With its healthy supply and demand fundamentals, and low interest rates, the multifamily housing development market has seen much success in recent years. And with encouraging demographic trends for the long‐term and preferences for rentals over ownership increasing, the outlook for multifamily housing development remains positive.

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Shopping online for the holidays? Use these savvy ways to stay safe and secure.

Merchants offer holiday merchandise and displays earlier each year, often weeks before Halloween. However, that hasn't affected the growing shift toward shopping and buying gifts online instead of in stores.

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Investment Basics: Rebalancing

When we work with our pilot clients, we follow a disciplined process to make the most of their retirement plan over their lifetime. We follow a number of steps to develop a customized financial plan, and then build a portfolio that we believe will accomplish that plan.

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HR Pros: Are you ready for year-end?

At the end of each year, human resources managers face a flurry of compliance and regulatory requirements. Ensuring your communications, notifications and filings are timely and correct is critical and can help you avoid lawsuits as well as potential state and federal penalties for noncompliance.

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Market timing vs. retirement planning... Do you know the difference?

Can a market timing newsletter help you arrive safely at your retirement destination?

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Couples: Are you on the same page in financial planning?

Whether you're a newlywed or are in a long‐term committed relationship, most couples recognize communication and shared goals are key to happiness and harmony. Many couples discuss lifestyle goals such as where to live and work; whether to have children and if so, how many; where to vacation or spend holidays; and more.

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What's your exit plan?

If you are a business owner, chances are you enjoy your job immensely and are confident in knowing that you are in control of your destiny amid life's ups and downs.

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Saving Strategies in Your Final Approach to Retirement

Being aggressive with your savings as you approach retirement is one of the most effective ways to catch up or compensate for times when you weren't able to save as much as you would have liked to.

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The Impact of OSHA's About-Face on Post-Incident Drug Testing Policies

Employers who've avoided post‐incident drug testing and workplace safety incentive programs for fear of violating OSHA regulations are now more empowered to put such programs into place.

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Planning your retirement spending? Take a layered approach

You've reached your goal: after years of flying, you are ready to retire. Your retirement party is looming, friends and colleagues are wishing you well. And then the uncertainty hits you. You're off the payroll.

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Survivorship Guidance Planning

Just like a pilot's responsibility extends well beyond the Flight Plan, wealth management means more than just having an investment plan.

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Proper planning prevents poor performance

This old adage has been around for some time now. As far as its origins, some sources believe that it was born out of the military. If you were in the military then you know that I left out a few words that make it more colorful!

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Family Wealth Creation & Preservation: Multigenerational IRA

Did you know that you might already have a multigenerational tax shelter that can multiply your family wealth? It's your IRA!

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Should you roll your 401k into an IRA?

Among the decisions you must make if you change employers or leave your job is how to handle your 401(k) account. Oftentimes, employees face decisions about their 401(k) plans through no action of their own.

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Key Factors in Choosing the Right Investment Advisor

Finding an investment advisor who is right for you is a critical financial decision, and it can be complicated.

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Are you saving enough for retirement?

Here's good news for pilots who are retired or near retirement: we're living longer and are staying healthier than previous generations.

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What is a financial plan?

The financial landscape for pilots has changed over the past few years, requiring a new and focused process for you to meet your retirement planning goals. Pilots have to realize that they need to take a more active role in their financial planning, but it requires time, knowledge, expertise and confidence.

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401(k) vs. Roth 401(k)

There are several tax deferred, qualified retirement programs available to employees in the private and government sectors today. With these different programs and the many variables affecting each, it can be a formidable exercise to sort through the entire list.

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The Case for Wine Insurance

Do you appreciate a good glass of wine? Whether you're a hobbyist, investor or novice just beginning to build your collection, wine insurance can provide cost-effective peace of mind.

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On the move? Your lender is your premier partner

Job transfer? Joining your spouse‐to‐be? Returning to your family and hometown? You have plenty of company.

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Options for Your Retirement Plan if Your Employer Is Acquired

Mergers and acquisitions are an ever present reality in business. The headlines often focus on the financials of the business transaction, but the financial impact on individual employees can be just as important.

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Top Five Issues to Consider When Hiring an Attorney

Here are 5 things you should think about and keep top of mind when looking to hire an attorney. From experience to reviews, feel confident you are making the correct decision for you and your loved ones.

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Making the Most of Your 401(k) Plan

Your 401(k) plan may be one of your largest assets, so how you manage it is critical to the success of your overall retirement plan. Rather than considering your 401(k) in isolation, think about it as part of your whole retirement plan.

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After Tax Rollover Rules: Helpful and Taxpayer Friendly

While not widely used or known, some employer sponsored retirement plans, including pilot 401(k) plans, allow you to put after‐tax money into the account.

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The Art of Retirement Income: Making the Most of Your Savings

When I work with pilots to create a retirement income stream, I liken it to mountain climbing. If you ask most people what the goal of mountain climbing is, they often say “to get to the top.” The real goal is to not only make the climb up, but to get back down the mountain safely.

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HIPAA Privacy and Security Compliance Toolkit

This toolkit is intended to help employers that sponsor group health plans understand their compliance obligations under the Health Insurance Portability and Accountability Act (HIPAA). It also provides sample resources to help employers comply with HIPAA's documentation requirements for their group health plans.

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Are you ready for the Foxconn factor?

Residents and business owners in Southeastern Wisconsin, and specifically Racine/Kenosha communities, are well aware of the recent burst of economic development in our region.

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Five Events That Can Ruin a Succession Plan

This is part of an ongoing series of articles about estate planning and succession planning, written by Joe Maier, JD, CPA, Senior Vice President, Director of Wealth Strategy

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OSHA suspends forms 300 and 301 electronic reporting

On May 12, 2016, OSHA issued a final rule that requires certain establishments to electronically submit information about work‐related injuries, illnesses and incidents through the agency's ITA website every year.

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Employer Efforts to Increase 401(k) Participation

A 401(k) plan is a powerful retirement savings vehicle for employees and also an important employee benefit that serves as a recruitment and retention tool for employers.

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Cyber and Financial Fraud Threats

Cybercrime is a growing threat for businesses in the U.S. and around the world. The tactics used to steal information and money are becoming more sophisticated and involve a high level of technical expertise.

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Fraud Prevention: Protect your business from phishing

Phishing continues to be a pressing problem for businesses and their employees. For cybercriminals seeking to wreak havoc, phishing is cheap, effective and profitable.

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Beneficial Ownership Rule – Know the changes impacting your business

At Johnson Financial Group we're always working behind the scenes to stay current with government regulations affecting our customers, and communicating those changes so our clients understand the impact.

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ACA affordability percentages will increase for 2019

On May 21, 2018, the Internal Revenue Service (IRS) issued Revenue Procedure 2018‐34 to index the contribution percentages in 2019 for purposes of determining affordability of an employer's plan under the Affordable Care Act (ACA).

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When Politics and Markets Collide

Recently, our Chief Investment Officer, Brian Andrew, shared his perspective on what's happening in the markets during an economic update.

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How will the new tax law affect you?

With the passage of the new tax law in December, everyone is wondering how they will be impacted. Well, it's complicated. Every family in America has a different financial situation based on income, existing savings, where they live, where they work, the makeup of their families and so on.

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Advance Healthcare Directives

I recently learned that April is Parkinson's Awareness Month. As many of us know, Parkinson's disease (PD) is a progressive disorder of the nervous system that affects one's movement. According to the Parkinson's Disease Foundation, an estimated seven to 10 million people worldwide live with PD with one million of those in the United States.