Don’t Get Caught with a Stale Portfolio

Feb 12, 2019 | By: Ganim Financial | Posted In: Investments

Think back to the last time you took a close look at your investment portfolio. What goals did you have in mind at the time? What financial needs did you have? Do these factors represent what you need today? The average investor lost ~1% per year in return due to behavioral mismanagement of their investments.

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Freeing Yourself From the “Work Trap”

Feb 06, 2019 | By: Ganim Financial | Posted In: Business Succession

As a hands-on business owner, so much of your time is spent working IN your business, increasing profitability, managing risks, strengthening marketing, managing the day to day responsibilities. None of these are bad things per se, but they can often hinder the time you spend working ON the business in preparation for the next generation.

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Gen Z is Coming: Are You Prepared?

Jan 30, 2019 | By: Ganim Financial | Posted In: Uncategorized

Soon, Generation Z—those born between 1996 and 2010—will be entering the workforce. Is your company somewhere they can thrive? Is it somewhere they would even . . . .

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Standard Milage Rate to Increase in 2019

Jan 28, 2019 | By: Ganim Financial | Posted In: Uncategorized

Rate to Increase to 58 Cents Per Mile The Internal Revenue Service has announced that the optional standard mileage rate used to calculate the costs . . . .

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Health FSA Limit to Increase in 2019

Jan 25, 2019 | By: Ganim Financial | Posted In: Benefits & HR,Health & Wellness

The ACA imposes a dollar limit on employees’ salary reduction contributions to health flexible spending arrangements (health FSAs) offered under cafeteria plans. This dollar limit is indexed for cost-of-living adjustments and may be increased each year.

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Pay or Play Enforcement: What You Need to Know

Jan 23, 2019 | By: Ganim Financial | Posted In: Uncategorized

In late 2018, the IRS began issuing enforcement letters to employers with generally 50 or more full-time or full-time equivalent employees regarding their compliance with . . . .

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OSHA Form 300A Electronic Submission Deadline is March 2

Jan 21, 2019 | By: Ganim Financial | Posted In: Benefits & HR,Uncategorized

Employers are reminded that they may be required to electronically submit information from their 2018 OSHA Forms 300A to OSHA by March 2, 2019.

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Reminder: Post OSHA Form 300A Starting Feb. 1

Jan 18, 2019 | By: Ganim Financial | Posted In: Benefits & HR,Uncategorized

Form Must Remain Posted Through April Employers subject to OSHA’s recordkeeping requirements are reminded to post their 2018 OSHA Form 300A from February 1–April 30, . . . .

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Creditable Coverage Disclosures Due to CMS by March 1 for Calendar-Year Plans

Jan 16, 2019 | By: Ganim Financial | Posted In: Benefits & HR

Employers that offer prescription drug coverage to Medicare-eligible individuals via a calendar-year plan generally must complete an online disclosure to the Centers for Medicare and Medicaid Services (CMS) by March 1.

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The True Cost of Not Having a Business Succession Plan

Jan 15, 2019 | By: Ganim Financial | Posted In: Business Succession

The new year is a time to enact change. Your resolutions are set, you’re motivated to take action, and you’re excited about the possibilities. It’s the perfect time to turn that enthusiastic attention to your business succession plan, or perhaps the lack thereof.

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