Gardner & White
Employee Benefit Plan Services for Healthcare Employers
When you take care of your people, you take care of your business. 
In This Issue
Oklahoma Endorsement
Federal Judge Rules on Health Care Reform
Payroll Tax Holiday
Did You Know?
Russell Quarterly Economic and Market Review 
Click to open Powerpoint
Healthcare Reform Resource Center
Government Seal
With provisions taking effect from now until 2018, G&W will be your health care reform resource every step of the way.





Retirement Plan Fiduciary Toolkit 
The Department of Labor requires Plan Sponsors to fulfill Fiduciary duties.  G&W has developed a set of tools to help protect you from risk and build a successful retirement plan. 
Benchmark the costs and services of your plan with industry averages and leading providers. 
Independent resource for conducting mutual fund analysis.     
Financial Soundings 
Comprehensive participant retirement advice program that provides both savings and investment recommendations.
NewsletterFebruary, 2011

It is with deep sadness that we report the passing of Harry Jackson of Charleston, WV on January 25, 2011.  Harry was our West Virginia Sales Representative for 20 years, retiring in the year 2000.  He is remembered kindly by his coworkers as a charming southern gentleman who was a joy to be around.  Our clients remember Harry for his professionalism as well as the cookies that he bestowed upon them whenever he visited.

Oklahoma Hospital Association endorses
Gardner & White's HEBA Life and Disability Insurance

OHAOHA Insurance Agency recently announced the addition of HEBA (The Hospital Employee Benefit Association) as its newest partner for OHA member hospitals. HEBA is America's foremost program of fully-insured group life and disability plans written exclusively for the health care industry.


Source: OHA Website

Federal Judge in Florida Rules Health Care Reform Law Violates U.S. Constitution

On Jan. 31, 2011, the U.S. District Court for the Northern District of Florida ruled that the health care reform law is unconstitutional, siding with the attorneys general of 26 states that sued to block the reform law.  U.S. District Judge Roger Vinson accepted without trial the states' argument that the new law, specifically the so-called "individual mandate", violates individuals' rights by forcing them to purchase health insurance by 2014 or face penalties.


Source: National Financial Partners

Take Advantage of the "2011 Payroll Tax Holiday"

Don't you love it when you unexpectedly find a few bucks in your pockets?  As part of the "Tax Extension Bill", signed into law on December 17, 2010, most Americans will experience a Social Security payroll tax holiday in 2011.  Those who benefit from this tax cut will pay 4.2 percent (of the first $106,800 in salary) in Social Security payroll taxes instead of the 6.2 percent contributed in the past.


So, you found an extra 2% of pay.  Now what?  A really smart move could be excellent news for your retirement account.  Increasing your retirement plan deferral percentage by two percent would be a nice boost to your retirement account.  Click the following to see more details.


Source: OneAmerica   

Did You Know?

Individuals who spend at least some time working with a financial advisor saved, on average, more than twice the amount for retirement than those who report spending no time with an advisor. They also have greater investment knowledge and are more confident about their retirement. 


Source: ING Study                               
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