SB Financial
Strategy & Consulting
We Set You Up for Success
Our priority at SB Financial Strategy & Consulting is ensuring your success. Whether you’re seeking to expand your operations, manage your human resources, or enhance your organizational effectiveness, we’re here to ensure that the process is well-planned and executed. Our team is experienced in a wide variety of business processes ensuring you get the most professional results every time.
ESG Recommendations
Technology change projects fail because companies don’t properly define why technology needs to be updated. Having policies and procedures that address how to manage technology changes can help companies roll out new technology effectively.
You should understand how to approach technology changes in phases to properly identify the needs for the change and articulate every step of the process to mitigate adoption resistance from employees, customers, and other stakeholders.
Key suggestions include:
• Establishing Clear Goals
• Testing and Implementation
• Making Improvements
Human Resource Management
When you're in HR, every day feels like a mix of a reality TV show, a therapy session, and an escape room... but you can’t escape.
***If you want to get HR certified, today take ONE minute and go order a SHRM exam prep book.
***If you want to build your network, today ask ONE person to have coffee.
***If you want to create a group of mentors, today pick ONE person who inspires you.
Consistency isn't sexy --but it's ruthless.
Build consistency that sticks: keep it obvious, anchored, and tracked.
Project Management
Learning to manage your time properly comes with so many benefits:
➡️ You can reduce stress levels.
➡️ You can achieve a better work-life balance.
➡️ You can properly prioritise your own well-being.
If you don't manage your time properly...
You risk becoming overwhelmed, unhappy, and unproductive.
Our primary skills and area of expertise, such as Resource Allocation, Cost Control, and Performance Metrics will anchor your next implementation, conversion, or acquisition.
Department of Labor Issues New Wage & Hour Opinion Letters
This is the text area for this paragraph. 6 new opinion letters to help promote clarity, consistency, and transparency in the application of federal labor standards:
- FLSA2026-1: Whether an employee’s role meets the criteria for the learned professional exemption under section 13(a)(1) of the FLSA, and, if so, whether an employer is nevertheless permitted to reclassify the employee as non-exempt.
- FLSA2026-2: Whether section 7(e) of the FLSA permits an employer to exclude certain bonus payments from an employee’s regular rate of pay. The letter also addresses how to include these payments in the calculation of employee overtime premiums if the payments must be included in an employee’s regular rate of pay.
- FLSA2026-3: Whether a union and employer can enter into a collective bargaining agreement that mandates a 15-minute “roll call” prior to each scheduled shift but excludes that time when calculating overtime premiums under the FLSA.
- FLSA2026-4: Whether, for purposes of the overtime exemption for certain commissioned employees in section 7(i) of the FLSA, an employer in a jurisdiction in which the state minimum wage exceeds the federal minimum wage must use the federal minimum wage, or alternatively, the higher state minimum wage, to determine whether it has satisfied the minimum pay standard in section 7(i)(1), and whether tips are deemed compensation for purposes of section 7(i)(2)’s requirement that more than half the employee’s compensation consist of commissions.
- FMLA2026-1: How a school closure of less than a full week impacts the amount of leave a school employee uses under the FMLA.
- FMLA2026-2: Whether FMLA leave may be used for time spent traveling to or from medical appointments, including where an employee provided the employer with medical certification from a health care provider that confirms the employee’s need for the appointment, but the certification does not address travel to or from the appointment.
Opinion letters provide official written interpretations from the division, explaining how laws apply to specific factual circumstances presented by individuals or organizations.
Department of Labor: Opinion Letters 2026Jan
Total Rewards: Rising Costs, GLP-1s, & Policy Budges
3 Statistics Every Benefits Consultant and Employer Should Know Heading into 2026
Rising health care costs are pushing employer-sponsored benefits to a turning point in 2026. New industry insights highlight growing affordability concerns, continued cost pressure, and increased interest in alternative health plan strategies.
New Year, New Rules: What Policy Uncertainty Means for Captive Strategy
Policy and market uncertainty heading into 2026 is reshaping how organizations think about captive strategy. A new analysis highlights how regulatory scrutiny, economic volatility, and evolving legislation are influencing the role of captives in today’s risk environment.
Wegovy and Similar Weight-Loss Drugs May Not 'Pay for Themselves'
New research suggests GLP-1 weight-loss drugs like Wegovy may improve health outcomes without delivering near-term cost offsets for employer health plans. The findings add to the growing conversation around the financial impact of these medications as utilization continues to rise.
Insurers Face Record Fines as States Crack Down on Mental Health Parity Violations
States are ramping up enforcement of mental health parity laws, issuing record fines to insurers over compliance gaps and unequal access to behavioral health care.
Utilization, Intensity Drove US Health Spending to $5.3T in 2024: CMS
New data from CMS shows U.S. healthcare spending climbed to $5.3 trillion in 2024, reaching 18% of GDP as growth continued to outpace the overall economy. The increase was driven largely by higher utilization and more intensive care, not higher prices, marking the fastest growth in personal healthcare spending seen in decades.
House Passes Bill to Extend Health Care Subsidies
The House has passed bipartisan legislation to extend expired Affordable Care Act health care subsidies, sending the bill to the Senate amid ongoing negotiations. If enacted, the measure would temporarily shore up affordability for marketplace enrollees as lawmakers continue to debate longer-term reforms.
Trump Unveils Healthcare Affordability Plan
President Trump has unveiled a one-page “Great Healthcare Plan” aimed at improving affordability, with proposals touching on ACA cost-sharing reductions, prescription drug pricing, PBM practices, and expanded price transparency.
Total Rewards Summaries, 2026Jan
2026 IRS Retirement Contribution Limits
For 2026, 401(k)s have a $24,500 employee deferral limit (plus $8,000 catch-up for age 50+, or $11,250 for ages 60-63) and total limits of $72,000; IRA limits are $7,500 ($8,250 with catch-up for age 50+); SIMPLE IRAs are $17,000 ($21,000 with catch-up); and the overall defined contribution plan limit rises to $72,000, with higher thresholds for certain plans like SEP IRAs.
401(k), 403(b), & TSP Limits (Employee Contribution) 2026Jan


