In this episode, Tom explains how to approach open enrollment with clarity and confidence. He covers retirement plan deferrals, health insurance comparisons, FSAs, disability coverage, life insurance, and lesser known benefits that can save or cost you real money. A simple, structured guide to help you get the most value from your employer benefits.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.