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Rediscovering Happiness Through the Eyes of Grandchildren When people ask me what excites me most these days, they often expect an answer about business deals, investment opportunities, or political developments. Instead, my answer is simple: watching our grandchildren play, laugh and interact. There is something special about seeing little children at play. I watch our […]

In Rev. Proc. 2026-24, the IRS released the inflation adjusted amounts for 2027 relevant to Health Savings Accounts (HSAs) and high-deductible health plans (HDHPs). The table below summarizes those adjustments and other applicable limits.   2027 2026 Change Annual HSA Contribution Limit (employer and employee) Self-only: $4,500 Family: $9,000 Self-only: $4,400 Family: $8,750 Self-only: +$100 Family: […]

Two recent movements on the federal level have paved the way for greater pharmacy benefit manager (“PBM”) transparency for group health plans. The first is a proposed rule, “Improving Transparency Into Pharmacy  Benefit Manager Fee Disclosure” issued by the Department of Labor which, if finalized, will require detailed disclosures of PBM pricing and compensation to […]

Ohio has passed House Bill 229, a new law focused on oversight and transparency of Pharmacy Benefit Managers (PBMs). The bill passed unanimously in both chambers of the Ohio General Assembly and is awaiting the Governor for signature. Why this matters:PBMs play a significant role in how prescription drugs are priced, reimbursed, and accessed. HB […]

President Trump issued the April 15, 2025, Executive Order 14273, Lowering Drug Prices by Once Again Putting Americans First, (“EO”) which directed the DOL to issue ERISA section 408(8)(b)(2) regulations pertaining to PBMs in furtherance of the Administration’s efforts to reduce drug prices. Per the EO’s directive, the DOL published a set of Proposed Regulations on […]

There are fears and uncertainties in the world that keep public markets fluctuating from one day to the next. But there are some fundamental truths that separate long-term investors. Sophisticated investors understand that volatility is not the same as risk. Risk is the potential for permanent loss of capital, while volatility reflects short-term price movement […]