Sun Sep 15 14:00:01 UTC 2024: ## Couples’ Guide to Navigating Open Enrollment Season

**CNBC’s Financial Advisor Council offers tips on coordinating benefits decisions for couples.**

Open enrollment season can be a whirlwind for anyone, but couples face an added layer of complexity when their workplaces have different enrollment windows. CNBC’s Financial Advisor Council, comprised of experts like certified financial planner Douglas Boneparth, offers advice on making the process smoother.

**Early Communication is Key**

Don’t wait until the last minute to discuss benefits. Early communication allows for informed decision-making and avoids reliance on assumptions. Couples should reach out to each other’s enrollment teams to ensure access to all available options.

**Create a Shared Strategy**

* **Understand Your Needs:** Discuss priorities, risk tolerance, and long-term financial goals.
* **Compare Benefits:** Compile a detailed inventory of each individual’s benefits options, including cost, coverage, and employer contributions.
* **Develop a Cohesive Plan:** Choose benefits that best align with your shared priorities and take advantage of employer subsidies where possible.
* **Review Regularly:** Life changes, so revisit your benefits strategy at least twice a year to ensure it remains aligned with your needs.

**Seeking Professional Help**

For added support, consider consulting a financial advisor, benefits specialist, or your human resources department. They can provide insights and guidance for making informed choices.

**Open Enrollment: A Chance to Strengthen Partnerships**

By communicating openly and working together, couples can navigate open enrollment effectively and create a comprehensive benefits strategy that reflects their shared priorities.

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