Open Enrollment season is here—and it’s one of the most overlooked financial opportunities employees have all year. In this episode, we break down the biggest mistakes people make when reviewing their employer benefits and how to approach your plan as if you were a brand-new hire.

Richard Rosso & Jonathan McCarty tackle the smart way to choose health insurance, whether young workers really need life insurance, and which “it’ll never happen to me” benefits can make or break your financial stability. We’ll also explore where employer benefits are heading in 2025—what companies are offering, what employees actually want, and how to make sure you’re getting the most value out of your compensation package.

Whether you're picking between an HSA or PPO, weighing disability coverage, or wondering if the “fun stuff” like wellness perks and lifestyle accounts are worth it—this guide helps you optimize your choices and avoid costly mistakes.

0:00 - INTRO

0:19 - Pennies are Going Away

5:02 - Open Enrollment Season is Here

7:40 - ADP Benefits Survey Results

13:04 - Understanding the Difference Between HSA vs FSA

17:40 - Retirement Savings Plans - Roth vs 401k

14:58 - Group Health Insurance vs ACA

21:40 - Mental Health Coverage

23:26 - Dental & Vision Coverage Options

27:13 - Don't Be Complacent

27:55 - On-site Facilities - Wellness & Day Care

29:57 - Disability Coverage - Max It Out

32:10 - Life Insurance Coverages

34:08 - How Kids Age Us

37:22 - Childcare Benefits

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Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP

Produced by Brent Clanton, Executive Producer

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Watch Today's Full Video on our YouTube Channel:

https://www.youtube.com/watch?v=l2P3Un4Mq_g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1

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The latest installment of our new feature, Before the Bell, "Market Rotation Fueling New Highs," is here:

https://www.youtube.com/watch?v=jm-ZtvJ12Fk&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1

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Our Previous Show, "QE Is Coming: Why Fed Liquidity Now Runs the Entire Market," is here:

https://www.youtube.com/watch?v=-YZaHtreohI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2&t=93s-------

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