When I went back to work two years ago, my husband and I wanted to be sure the insurance plans, retirement packages and stock option plans our companies offer were coordinated. By getting help and taking the time to analyze our choices in light of our family's needs, we were able to make smart, informed decisions. The decisions we made regarding my stock options alone have saved us hundreds of dollars already. Planning's paying off for us!

Most companies offer some form of employee benefits as part of their compensation packages, but the number and quality of employee benefits vary greatly from one company to the next. You will have choices to make regarding health, life and disability insurance, as well as retirement programs like 401(k)s or other defined compensation plans. And if your employer also offers company stock as part of your benefits or compensation package, you've got a host of special issues to consider. All of those benefits represent important decisions. Start by asking yourself these two questions:

1.	Am I taking full advantage of my company's employee benefits?
2.	Do my employee benefits fit well with other investments and resources I have?

A professional financial adviser can help you determine the best way to take advantage of your company's program. Search our database for information about Finding Your Financial Adviser - someone who can help you make decisions about your employee benefits.

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