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By understanding the vulnerabilities of human error, more can be done to address them and build greater cyber resilience. It begins with replacing the term ‘human error’ with ‘human factor’ to move towards establishing a better first line of defense against cyber incidents.

2020 was a chaotic year for many industries and the COVID-19 pandemic created a host of challenges for providers in the home health and hospice space. For investors and business owners in that space, the year ended with robust M&A activity in the hospice sector while the home health M&A activity remained dormant. Looking at the trends and challenges of 2020, what can investors and business owners expect in 2021?

Regardless of the sector, nearly every healthcare organization has made significant investments in technology, as data and computing became essential in the healthcare setting during the COVID-19 pandemic. In addition to the pandemic, healthcare IT saw an uptick in M&A activity in certain sub-sectors. For those looking at potential investment deals in the healthcare sector, what can they learn from the trends in 2020 and what can they expect in 2021?

With the Democrats controlling both houses of Congress and the White House, it is timely to focus on the potential tax law changes they might propose. Although it may seem unlikely the changes will be enacted quickly, Congress has previously made even mid-year changes that applied retroactively. A summary of potential changes impacting wealthier individuals are provided to help with the tax planning and implementing certain strategies.

U.S. stock market performance, as measured by the S&P 500, has been driven by a small number of stocks over the past few years. The top five holdings now represent 21.9% of the S&P 500 as of December 31, 2020. It is also striking that each of the top five holdings share a common theme: technology and e-commerce. While investors shouldn’t give up on the S&P 500, there are possible alternatives that investors might want to consider.

The events of the last year have made the traditionally predictable world of real estate more chaotic and unclear. For family offices that invest in real estate, it means recognizing that every phase of their real estate investment brings on risk that can threaten its success and reputation. To remain competitive in the market, it is time to reflect on the past year, chart a course for success, and evaluate the risk philosophy and strategies.

In an uncertain market where each unfolding economic disruption is met with increasingly emboldened central bank intervention, economists are predicting accelerating declines in the value of all fiat currencies, including—and perhaps especially—in the U.S. dollar. Is gold the only way out for central banks looking to hedge their balance sheet? What about the individual investment portfolio? Where do the big banks think gold and silver are going in 2021?

The CARES Act requires all non-grandfathered health plans to cover a COVID-19 vaccine or other preventive measure, within 15 business days of recommendation by the Advisory Committee on Immunization Practices of the Centers for Disease Control and Prevention or the U.S. Preventive Services Task Force. A summary is provided to help you stay on track of these organizations’s approval status.

In December 2020 the FDA approved Pfizer and Moderna’s COVID-19 vaccines for use in the United States, with industry observers expecting additional vaccines soon to follow. Although widespread distribution of the vaccines won’t likely occur until the second quarter of 2021, it’s important for organizations to understand that implications of the COVID-19 vaccine on employer health plans.

The COVID-19 vaccine will play a primary role in prevention and be a significant factor in keeping employees healthy and at work. Through a series of FAQs, learn more about the vaccine’s impact on health and wellness strategies and how to best integrate a vaccine program into your organization.