William Schiffbauer, a lawyer who has been working on federal health insurance legal issues for years, says any suggestion that the health care cost-sharing ministry case, Renteria v. New Mexico Office of the Superintendent of Insurance, could affect the class of "non-ACA" products known as "excepted benefits" "sails way, way off course."

The ARVA method calculates safe, flexible withdrawals each year based on market values and expected longevity, avoiding the static limits of the 4% rule.

Personalization is no longer optional in benefits. Neither is trust.