Linda Robertson

About the Author

Linda Robertson is an experienced financial planner with FinancialFinesse.com, the nation’s leading provider of unbiased financial education programs to corporations, credit unions and municipalities with over 400 clients across the country. Her focus is on retirement and tax planning, and her background includes positions with NationsBank, H & R Block, and Metropolitan Life. Contact her at linda.robertson@financialfinesse.com .

Learning From Idol: The Most Effective (and Brutal) Interview I Ever Went Through

Editor’s Note: Sometimes, readers ask about past TLNT articles they may have missed. That’s why on Fridays we republish a Classic TLNT post some of you have asked about. The other day, after a series of workshops on retiree health care for one of our clients, I decided I needed to unwind. It…

Hey, What’s That Number in Box 12 on My W-2 Form?

Have you had any of your employees question you about the DD in box 12 of their W-2? No, it’s not a battery style or bra size but a new requirement for W-2 reporting as a result of the Affordable Care Act. Effective with 2012 W-2 forms, employers with more than 250 employees…

Sharing the 7 Habits of Confident Retirees With Your Workforce

From the thousands and thousands of pre-retirees I’ve talked to over the past decade, two consistant comments I hear over and over again are “I wish I’d started saving earlier” and “I wish I’d saved more along the way.” Since I’ve yet to have an employee tell me they’ve saved too much for…

Don’t Let Your Workers Fall Off Their Own Fiscal Cliff This January

Now that Congress has mostly averted falling off the fiscal cliff by penning The American Taxpayer Relief Act of 2012, some employees may have a false sense of confidence that the Act only will impact the wealthy. The message we are hearing is that the middle class has been spared from a tax…

Two Possible Year End Tax Tips to Share With Your Employees

Talk of the fiscal cliff is everywhere these days, so many of your employees may be concerned right now about what will happen to their tax rates. While no one knows what Congress will ultimately decide regarding next year’s income tax rates, there is one cold, hard fact that isn’t getting much press…

Are You Helping Your Employees Prep For Potential Tax Law Changes?

With so many upcoming tax law changes, many of which are still up in the air, employees may be starting to feel the financial stress of worrying how these changes will impact them. Now is a great time to start planning for a year-end tax education workshop for your workforce to help prepare…

IRS Announces What Employees May Contribute to Retirement in 2013

The IRS has perfectly timed the announcement of the 2013 pension limitations during National Save 4 Retirement Week, which ends this Saturday. Notice IR-2012-77 declares the cost-of-living (COLA) adjustments that will impact the dollar limitations for pension plans and other retirement accounts for tax year 2013 for both employer and employee contributions. It…

It’s That Time Again: Are You Ready For Open Enrollment?

The temperature isn’t the only thing rising this summer – our group health insurance is going up over 14 percent. So, as part of my role on our benefits committee, I reviewed several different health carriers to see if there were any more affordable options. Luckily for us, there was one. However, this…

Are Your Employees Falling For These Social Security Myths?

Last week I hit the road to conduct retirement planning sessions for a couple of mid-sized companies up in New England, and many of the attendees had some serious concerns about the future of Social Security. I heard younger workers complaining that Social Security is a Ponzi scheme and older workers expressing their…

Would Employees Pay for One-on-One Financial Guidance in the Workplace?

As financial wellness becomes more of a common component to workplace wellness programs, many smaller employers are considering the cost sharing aspect of bringing financial guidance to their employees. With tight budgets, some CEOs view the ability to meet with a financial planner during working hours as a perk that employees should be…

Do Employees Have A False Sense of Security About Their Finances?

As we move farther away from the height of the Great Recession, many employees appear to have put it behind them, since we are seeing stress levels due to financial concerns steadily decreasing over the past few years. This drop in financial stress levels is based on recent trend analysis research that I…

Target Date Funds: What Employees Don’t Know Might Hurt Them

Some of the most common questions that I’ve been receiving from employees during recent retirement planning workshops relate to confusion around the proper use of target-date funds. Ironically, these investment options are designed to simplify rather than complicate the process of saving for retirement. When used correctly, target date funds can help employees…

Disability Coverage: More Important Than You (or Your Employees) Think

So what is DIAM? It stands for Disability Insurance Awareness Month, sponsored by the Life and Health Insurance Foundation for Education (LIFE). Many employees are unaware of the disability coverage that may be available to them as an employer-sponsored benefit, so spread the word this month about your workplace disability insurance. Even though…

Why Pet Insurance Makes Sense as Part of Your Menu of Employee Benefits

Does your company’s voluntary benefits menu include pet insurance? Believe it or not, 4 percent of employers in 2011 did indeed offer pet insurance, according to SHRM’s 2011 Employee Benefits Study. Employees who have pets may welcome this benefit, since the ASPCA estimates that “pet parents” spend over $13 billion in veterinary care…

Don’t Let the Tooth Fairy Take Back Cash From Your Employees

Dental implants are becoming a common solution to missing teeth and an alternative to bridge and crown work. However, according to WebMD.com, many dental insurance plans do not cover implants. My husband, Dave, learned this the hard way when our dentist convinced him to replace a worn-out bridge with two dental implants. Dave…

Hitting the Lottery: It’s Not the Answer to Your Employees’ Retirement

We can’t all win the lottery next week, but amazingly, 21 percent of Americans — 38 percent of those with incomes below $25,000 — think that winning the lottery represents the most practical way for them to accumulate several hundred thousand dollars, according to the American Savings Education Council’s Savings Facts and Statistics….