Mosaic Financial

09/25/2026

What’s one business decision or initiative you’ve been putting off?

Maybe it’s reviewing a process, updating your pricing, reaching out to a potential partner, or starting a project that keeps getting pushed aside.

Set aside 15 minutes today to write down the decision, the next three steps, and who needs to be involved.

You don’t have to solve everything at once. Just identify the next step.

09/24/2026

When you're running a small business, it's easy to focus on serving clients, managing expenses, and growing revenue. But what about planning for your own future?

The good news is that small business owners have several retirement savings options designed specifically for self-employed individuals and small teams.

As you explore your options, consider:

✅ Setting aside savings on a consistent basis
✅ Taking advantage of potential tax benefits
✅ Choosing a plan that fits your business size and goals
✅ Building a strategy that can grow alongside your business

Whether you're a solo entrepreneur, independent contractor, or small business owner, starting a retirement savings plan today may help create more opportunities for tomorrow.

You've worked hard to build your business. Make sure you're investing in yourself, too.

09/23/2026

September is Healthy Aging Month, a great reminder that preparing for retirement isn't just about saving for your lifestyle. It's also about planning for healthcare costs.

As we age, healthcare expenses often become a larger part of our budget. Taking time to plan ahead can help you feel more confident about the future.

Consider asking yourself:
✅ Have I factored healthcare costs into my retirement plan?
✅ Do I understand what Medicare does and doesn't cover?
✅ Have I considered potential long-term care needs?
✅ Am I taking steps today to support my long-term health and financial well-being?

The healthiest retirement plan combines both physical and financial wellness. Taking proactive steps now can help support your long-term health and financial goals.

09/22/2026

Open enrollment season is an important opportunity to review your benefits and make sure your coverage still fits your needs.

Life can change a lot in a year. A plan that worked well last year may not be the best fit today.

As open enrollment approaches, consider taking time to:
✅ Review your health insurance options
✅ Check deductible and out-of-pocket costs
✅ Update beneficiary information if needed
✅ Evaluate life and disability insurance coverage
✅ Consider changes in your family's healthcare needs

A few minutes of planning today can help you make more informed decisions for open enrollment and beyond.

Don't wait until the last minute to review your options. Your future self may thank you.

09/21/2026

Many parents want to do everything they can to help their children pay for college. While supporting your child's education is a meaningful goal, it's important not to lose sight of your own retirement plans.

Remember: there are many ways to fund an education, including scholarships, grants, work-study programs, and student loans. There are far fewer options available to fund retirement.

As you plan for both goals, consider:
✅ Prioritizing contributions to retirement accounts
✅ Creating a realistic college savings strategy
✅ Exploring 529 plans and other education savings options
✅ Reviewing your overall financial goals regularly
✅ Striking a balance between supporting your children and protecting your future

Helping your children succeed is important, but so is ensuring your long-term financial security. A well-balanced plan can help you work toward both goals with confidence.

09/17/2026

Social Security is a decision, not just a birthday.

You may be eligible to begin receiving retirement benefits at 62, but that doesn't automatically mean it's the right time to claim.

Before deciding, consider your income needs, health, life expectancy, employment plans, spouse's benefits, taxes, and other retirement assets.

The right claiming age is personal. It should support your broader retirement plan, not simply follow the calendar.

09/14/2026

September is National Preparedness Month, a reminder that emergencies can happen when we least expect them. While many people think about emergency kits and preparedness plans, it's also important to consider your financial preparedness.

Ask yourself:
✅ Do I have an emergency fund for unexpected expenses?
✅ Could I cover several months of essential living expenses if my income changed?
✅ Are my important financial documents organized and accessible?
✅ Have I reviewed my insurance coverage recently?

This National Preparedness Month, take a few minutes to review your financial safety net and identify opportunities to strengthen it.

09/09/2026

Great insights on the importance of financial education for the next generation. Let's discuss how to communicate investment goals effectively.

My fiance's grandparents funded a custodial account for him in the 90s—a move which comes with major financial implications now that he's an adult.

09/08/2026

Inheriting a home can be both meaningful and complicated.

There may be memories attached to it, but there may also be taxes, repairs, insurance, family opinions, and ongoing costs to think through.

Selling, renting, or keeping the property can each have different financial and emotional tradeoffs.

If you’ve inherited property, take a step back before making a quick decision. A clear plan can help you protect the asset, reduce stress, and choose the path that makes the most sense for your future.

09/07/2026

Not all benefits elections follow the same rules. While some changes can only be made during open enrollment, others may be updated throughout the year or after a qualifying life event.

Changes Typically Made During Open Enrollment

📋 Health Insurance Elections
Choosing or changing your medical plan, adding optional coverage, or moving between plan options is generally limited to open enrollment unless you experience a qualifying life event.

📋 Dental and Vision Coverage
Enrollment and plan changes are often restricted to the annual open enrollment period.

📋 Supplemental Benefits
Benefits such as critical illness, accident insurance, and other voluntary coverage options may only be elected or changed during open enrollment.

📋 Life and Disability Insurance Elections
Depending on your employer's plan, coverage amounts may be limited to open enrollment periods or may require additional underwriting outside of enrollment windows.

Changes That Can Often Be Made Outside of Open Enrollment

✅ 401(k) Contributions
Many employer-sponsored retirement plans allow you to increase, decrease, start, or stop contributions throughout the year.

✅ HSA Contributions
If you're enrolled in an eligible health plan, HSA contribution amounts can typically be adjusted at any time during the year.

✅ Beneficiary Designations
Beneficiaries for retirement accounts, life insurance, and other benefits can often be updated whenever your circumstances change.

✅ Changes Following a Qualifying Life Event
Events such as marriage, divorce, birth or adoption of a child, or loss of other health coverage may allow you to make benefits changes outside of open enrollment. These changes usually must be made within a specific timeframe after the event.

Your benefits play an important role in both your financial well-being and personal protection. Understanding which changes require open enrollment and which can be adjusted throughout the year can help you make more informed decisions and avoid missed opportunities.