Have You Received Employee Stock Options?
If you work for a large public company or a brand-new startup, you may find yourself receiving at least some of your compensation in the form of stock and/or options grants. These benefits are meant to reward key employees, promote employee retention, and let employees share in a company’s success. The most common form of […]
The Value of an Advisor: 2021 Update
At JNBA, we’re confident that one of the major reasons our independent fee-only firm has thrived over the past four decades is the value we provide to our clients. We are dedicated to being our clients’ irreplaceable partners — since we started tracking in 2001, we’ve earned a 97% client retention rate. And we’re continually […]
What is the difference between a health savings account (HSA) and a flex spending account (FSA)?
Healthcare costs can be expensive, even for the healthiest people. Even if you have health care insurance, you may want to take advantage of other options for saving for medical expenses not covered by insurance. Outlined below are some of the differences between the two most common accounts offered to individuals and families, health savings […]
Who Do You Rely on for Financial Advice?
Who do you turn to when you need financial advice? According to a recent survey by the National Financial Educators Council (NFEC), more Americans (40 percent) rely on parents, family members, friends, or coworkers for financial guidance than turn to financial professionals (36 percent). “When people have trusted professionals to whom they can turn when […]
Credit Score Basics That Can Make a Big Impact on Your Financial Health
It’s difficult to imagine functioning in today’s world without credit. Whether buying a car or purchasing a home, credit has become an integral part of our everyday lives. Having easy access to credit goes hand in hand with having a good credit score, so it’s important to know how to maintain a positive credit score […]