Thomas Charla is director of business markets at MassMutual.
Sorting your expenses between the necessary and discretionary will help prepare your budget for bumps.
Helping your employees keep their plans on track actually benefits your operation in the long run.
Paying off debt is important, but not at the expense of savings and retirement plans.
There are costs, seen and unseen, associated with employees fretting about their finances.
Sure, there’s financial planning. But retirement takes some organizational and emotional preparation too.
Understand the level of risk you are personally willing to accept before committing money to investments.
Helping employees with finances can add value to your business through productivity and talent gains.
Envisioning your retirement in three distinct stages, or "buckets," may help your planning.
Get your employees to pay attention to their financial planning and future.
Three keys to maximizing the value of your business.
When you review what your business is worth, you can plan more realistically
Since your business may be your most valuable asset, it’s important to know what it’s worth.
There a variety of ways to fund a buy-sell agreement for your business.
Consider the options: ESOP, transfer, sale, or management buyout?
Dividing an estate should be easy math, but for business owners the largest asset is often illiquid.
You can help protect your business by funding a Qualified Sick Pay Plan.
It might be a candidate for liquidation, depending on the answers to these questions.
Ways for a business to attract and retain great employees.
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Insurance, annuities and investment accounts
401(k) and pension plans
Government, education, healthcare, not-for-profit plans