Ruchita Mickelsen’s Post

If you're self-employed, planning and saving for retirement can be daunting. Consider seven tips for creating a financially secure retirement, even if you don't have an employer-sponsored retirement plan.

Hey young professionals! Taking advantage of employer benefits is crucial for your financial well-being. Here's why: 1. Financial Security: Employer benefits like retirement plans, health insurance, and life insurance provide essential financial security for you and your family. These benefits offer protection against unforeseen circumstances and help you plan for the future with confidence. 2. Cost Savings: Many employer benefits, such as health insurance and retirement contributions, are often subsidized or offered at a group rate, leading to significant cost savings compared to purchasing them individually. By leveraging these benefits, you can stretch your dollars further and reduce your financial burden. 3. Enhanced Compensation: Employer benefits are part of your total compensation package. By maximizing your benefits, you're effectively increasing your overall compensation without any additional out-of-pocket expenses, boosting your financial well-being in the process. In summary, taking advantage of employer benefits is essential for financial security, cost savings, and maximizing your total compensation. Don't leave money on the table – make sure to explore and utilize all the benefits offered by your employer! 💼💰 #EmployerBenefits #FinancialSecurity #CostSavings #TotalCompensation

Educators, learn how the right financial professional simplifies retirement planning! Read "The right financial professional makes retirement planning easier" article and gain valuable insights. For personalized guidance, contact me today and together we can build the right plan for your future. #RetirementPlanning #FinancialProfessional #Educators

Humans are living longer while workplace habits and the market are constantly changing. What does this mean for us as we go into retirement? Think about what it is that you want out of your retirement and how it is you can get there. Not sure? Listen to this.

"This dynamic represents an opportunity for employers to revisit education around different benefit offerings to improve enrollment and usage. Employees tend to have a higher understanding of core benefits including dental, medical and retirement savings. Understanding around disability insurance and supplemental health plans is lower, which could lead to confusion about coverage or missed eligible claims. Half of employees surveyed said their employer only communicates about benefits during open enrollment. However, nearly three-quarters of workers (73%) say they would like to receive benefits information more frequently throughout the year from their employer." https://lnkd.in/e5QgYGXK

Have you considered how long-term-care costs could affect your retirement budget? Find out more. #LongTermCare

It is crucial for companies to regularly benchmark and compare their benefits packages to their peers within the industry in order to maintain their competitive advantage and status. Offering a competitive benefits package, however, can be challenging for plan sponsors due to budgetary constraints; learn how financial insurance provider Unum Group's, Carl Gagnon, handles this issue in our blog. #KerberRose #CompetitiveBenefits #EmployeeSatisfaction #Benefits

Hanging out with friends on the weekend can be one of the best parts of the week! So... what if you could hang out with friends every day of the week? Retirement is often overlooked in earlier years, but we believe it's important to start thinking about as soon as you can. Click the link to hear about why we find it important what first steps you can take to have friend days every day!

Each employee is unique 🌟, and so are their needs. At Agape Benefits, we get that. We're not just selling insurance; we're crafting peace of mind. 🛡️ From the fresh-outta-college go-getter to the seasoned pro eyeing retirement, we tailor plans that fit just right. So, let's chat! 📞 Dial (615) 236-8522 to explore options that serve your team best. And hey, if you found this info handy, share the love 💬 or drop a comment! #EmployeeBenefits #HealthcareSimplified #BusinessGrowth

Let's talk about uncomfortable benefits discussions... Voluntary benefits can often deal with sensitive topics that employees don't want to discuss or disclose. Enter: ALEX ALEX offers a safe and discreet experience to explain and educate your employees about things like life insurance, AD&D, disability, or EAPs.  ⬇️ Learn more below or book a time to discuss with me! ⬇️