Expert Edge
SPECIAL PROMOTIONAL SECTION
Experts answers from leading professionals
WHILE I CONTINUE TO WORK, SHOULD I ROLL OVER MY 401(K) TO AN IRA (IN-SERVICE DISTRIBUTION)? As you get closer to retirement, you might be looking for ways to gain greater control over how you manage and invest your retirement savings so you can feel more confident about reaching your retirement goals. A little-known option called in-service distribution may be just what you’re looking for. It allows you to transfer assets from your workplace 401(k) into a personal IRA while you’re still employed. There are potential risks, in addition to the potential benefits to discuss when considering in-service distributions. Not all employers offer in-service distribution, but if yours does, let’s have a conversation about those potential risks and benefits so you can decide if it is for you. Ameriprise Financial Services, Inc., Member FINRA and SIPC. © 2016 Ameriprise Financial, Inc., All rights reserved.
HOW DO I ENCOURAGE PARTICIPATION IN MY COMPANY WELLNESS PROGRAM? Having wellness champions in your workplace is a great way to support your employees and move your company toward a wellness culture. A workplace champion is an employee who volunteers to lead by personal example. They can help promote healthy behavior and encourage participation in your programs by publicly practicing healthy habits, sharing their experiences and influencing others to do the same. Socially acceptable company behaviors often times have a bigger impact than any written policies. It’s proven that our social networks have a powerful influence on our personal behaviors— as high as 60 percent. By leveraging this huge influence that colleagues have over one another, an effective Wellness Champions program can prove to be a powerful tool in helping motivate others. Visit wellness.uhahealth.com/champions to learn more or contact us about how our customized approach can help you create a culture of wellness for your organization.
Erica Kolcz David Livingston Financial Advisor/Franchise Owner Ameriprise Financial 808.441.4000 ameripriseadvisors.com/david.c.livingston
WHAT ARE THE ADVANTAGES OF USING A STAFFING FIRM TO SEARCH FOR JOB CANDIDATES?
UHA Worksite Wellness Consultant /Account Executive
808.522.5572 worksitewellness@uhahealth.com uhahealth.com | hhawa.com
MY CHILD HAS HAD NO CAVITIES SO FAR. WHAT CAN WE DO TO KEEP IT THAT WAY?
1. Deep networks. Strong recruiters have deep networks of high-quality active and passive talent that they are able to pull from quickly when opportunities arise. Employers generally possess neither the breadth of available candidates nor the ability to source them rapidly. 2. Passive candidate accessibility. External recruiters have ample time to network with and screen passive candidates, i.e. those not actively searching for jobs. Since hiring managers spend much of their time on active candidates, they can miss out on much of this top-level passive talent. 3. Shrewd candidate selection. Good recruiters are able to pull from their network discerningly, presenting hiring managers with a limited number of highly qualified candidates. As a result, they help their clients select new employees faster, with fewer interviews. This saves HR departments time and money.
Congratulations! Tooth decay (cavities) is a preventable bacterial disease that is prevalent in Hawai‘i’s keiki. To maintain good oral health—aside from regularly brushing, flossing and visiting the dentist at least twice annually—is to avoid foods and beverages that are high in sugar and acid content, such as soda and candy. Request that your dentist place dental sealants on your child’s first adult molars, which usually appear around age six. Dental sealants are applied directly to the grooves of back (molar) teeth to prevent the growth of bacteria that promote tooth decay. This will reduce the risk of subsequent decay by over 80 percent. Since Hawai‘i does not have fluoride in the drinking water, check with your child’s dentist to determine if they would benefit from the direct application of fluoride varnish to the teeth to reduce the risk of decay. The placement of sealants on your child’s back molars, coupled with good oral hygiene practices (brushing and flossing), periodic dental visits and a nutritious diet low in sugar and acid, can lead to good oral health, saving you time and money!
Lisa Truong Kracher, MBA President Staffing Solutions of Hawaii 808.949.3669 staffingsolutionsofhawaii.com
Robert Sherman, D.M.D. Diplomate, American Board of Oral Medicine Dental Director Hawaii Dental Service hawaiidentalservice.com
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