Companies sponsoring group health plans should be aware of the changes coming to the health insurance industry as part of the “second stage” of health care reform. An ongoing relationship with a licensed insurance and financial consultant can help you keep these major and minor adjustments on your radar.

It may have been a frustrating year on Wall Street, but the fourth quarter of 2011 was a real turnaround from the third. However, the stock market still ended up having a subpar year, a performance that hopefully won’t be repeated in 2012. Here is a look at some of the big news items of the quarter, and at some of the improved economic indicators that investors noticed. The quarter in brief. The S&P 500[…]