Using Open Enrollment as an Opportunity for Financial Growth

JECohen & Co., LLC ("JECohen") is a registered investment adviser registered with the state securities authorities of Louisiana, Pennsylvania, and Texas. Registration as an investment adviser does not imply a certain level of skill or training, nor does it constitute an endorsement of the firm by any regulatory authority. JECohen may only transact business in those states in which it is registered, notice filed, or qualifies for an applicable exemption or exclusion from registration requirements. This article is prepared for informational and educational purposes only and does not constitute personalized investment advice, an offer to buy or sell, or a solicitation of any offer to buy or sell any security, insurance product, or investment strategy. The discussion of specific accounts (including HSAs, FSAs, 401(k) plans, and insurance policies) reflects general planning concepts and should not be construed as individualized financial, insurance, tax, or legal counsel. Tax laws, including the Philadelphia City Wage Tax and federal tax codes, are complex and subject to legislative changes. JECohen and its financial advisors do not render formal legal or certified accounting/tax advice. Individuals must consult their personal tax advisor, certified public accountant (CPA), or qualified legal professional regarding their specific circumstances prior to executing benefit, insurance, or retirement elections. Investments in securities involve risk, including the possible loss of principal. Mention of regional healthcare networks, employers, or medical providers is strictly for illustrative regional context and does not constitute an endorsement, affiliation, or sponsorship between JECohen and any mentioned third party.