Elk Pointe Capital

10/16/2026

Open enrollment is here, and healthcare costs are expected to rise again in 2027. Before you simply renew last year’s plan, take a closer look at what may be changing.

Don’t just compare premiums: Review deductibles, provider networks and out-of-pocket maximums to see which plan could actually cost you less based on the care you expect to use.

Watch your income estimate on the marketplace: If you receive advance tax credits, update your projected 2027 income when circumstances change to reduce the risk of owing money back later.

Review your full benefits package: Check for HSAs, EAPs and other workplace programs you may be able to use to help cover healthcare needs or expenses.

See what to review before choosing your 2027 health plan: https://bit.ly/4zAOMpR

As healthcare costs continue to climb, use these strategies to select an insurance plan with the coverage you need at a price you can afford.

10/07/2026

Turn World Financial Planning Day into a 10-minute financial reset. Check your budget, review your savings and investment contributions, and make note of any questions you want to discuss with your financial advisor.

09/11/2026

On this day of remembrance, we pause to reflect and honor all those affected by September 11. We will never forget.

09/04/2026

Employees who use online financial planning tools tend to make stronger progress toward retirement, even without on

Many adult children don't learn the full picture of their parents' finances until a health crisis forces the conversation. Take these steps to better prepare:

Start early: Build trust through small conversations before an emergency creates urgency.
• Access wisely: Authorized-user status can help manage accounts without the risks of joint ownership.
• Review documents: Power of attorney and beneficiary updates can prevent delays and costly complications.
Learn how to navigate both the financial and emotional challenges of helping aging parents while preserving their independence: https://nyti.ms/4zLLOQn

And one big mistake to avoid.

08/19/2026

Ready to tackle back-to-school season without breaking the bank?

Discover these easy-to-use budgeting hacks to ease the financial strain. Swipe on for clever tips to help start the school year off on the right foot!

Know someone who could use these tips? Tag them to share!

07/31/2026

Estate planning may feel stressful to start, but leaving important decisions unresolved can create even more worry. A complete plan can provide greater control, clarity, and guidance for loved ones.

🧠 Reduce uncertainty: Decide who will manage your finances, make healthcare choices, and carry out your wishes.
📄 Cover the essentials: A will, trust, power of attorney, and healthcare documents can answer important “what if” questions before a crisis.
👨‍👩‍👧 Ease the family’s burden: Clear instructions can reduce confusion, disagreements, and the pressure to guess what you would have wanted.

Learn how to begin the process and talk with your family about your plans: https://aol.it/4hDbqrU

07/29/2026

HSA, FSA, and HRA may sound similar, but their rules and benefits can be very different. Here’s a quick breakdown of how each option works.

💰 HSA: Employee-owned, portable, and eligible funds roll over from year to year. Contributions, growth, and qualified withdrawals may all receive tax advantages.
📅 FSA: Helps employees pay predictable medical costs with pretax dollars, but unused money may be forfeited at year-end.
🏢 HRA: Funded entirely by the employer and used to reimburse eligible expenses; unused funds generally stay with the company.

See how eligibility, ownership, and rollover rules can help determine which account fits your needs: https://bit.ly/4fBmgfl

07/17/2026

Small business owners often think of their employees as family, but are they set up like it? This post opens the conversation around retirement options available to small business employees, reminding owners that a 401(k) isn't the only choice and that some options are built specifically for smaller teams.

07/09/2026

There are so many reasons to create a will this month, but here are three big ones to consider:

Direct Your Property: Creating a will tells the courts how you want your property distributed. Without a will, state laws will determine how your estate is divided, which may not align with your intentions.

Provide instructions to the probate court: A will can help manage the probate process, providing instructions to the court.

Designate Guardianship for Minor Children: If you have minor children, a will allows you to appoint a guardian to care for them. This crucial step directs that your children are raised by someone you trust, rather than leaving the decision to the courts.

07/04/2026

This Fourth of July, independence is worth celebrating (and planning for). Wishing you and your family a safe, joyful holiday!