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Perspectives

Jun 11, 2026

Social Security faces trillion-dollar shortfall, urgent reforms needed

Social Security is in trouble. Trillion dollars of trouble. Every year the Social Security Trust Fund has more outlays than payroll tax revenues. This is not a new revelation. The trust fund has been in trouble since 1972 when Congress authorized linking Social Security payments to cost of living adjustments[...]

Jun 8, 2026

US natural gas prices may rise with growing global demand

BALTIMORE, MD -- With each visit to the gas pump, Americans are beginning to see the limits of “energy dominance.” Despite the United States being the world’s largest oil producer, prices at the pump are soaring due to the war in the Middle East.   The price of oil is set[...]

May 28, 2026

Pharmacy closures in Pennsylvania linked to pbm practices threaten community access

For years, Vine Pharmacy in Benton wasn’t just my business; it was my life’s work and a cornerstone of our community in Columbia County. I opened my doors in 2018 to do what pharmacists like me are trained to do: care for people, answer questions, catch medication errors and make sure my[...]

May 28, 2026

Best practices for healthcare design in long-term hospital stays

Extended hospital stays for individuals can be a very physically and emotionally demanding experience. The hospital becomes more than a place of treatment, it becomes a temporary home when someone is admitted for weeks rather than days.  Healthcare and wellness in[...]

May 22, 2026

The linear model of expertise is over

Most companies still use a model of expertise designed for a slower century. Leaders describe the problem, hand it to specialists, and wait for the answer. And wait.  For decades, expertise has been delivered like a finished product. Specialists disappear behind a curtain—into a conference room, a studio, a spreadsheet—and weeks later they return[...]

Apr 23, 2026

Best people leaving because of lack of attention, not money

COVID did something to us that a decade of wellness programs never could. It forced us to look directly at our own mortality and ask, with unusual honesty: is this how I want to spend my time?  That question did not stay at the dinner table. It followed people into[...]

Apr 14, 2026

Top risk exposures for construction, architecture, and engineering firms in Pennsylvania

Construction, architecture, and engineering firms are entering 2026 in a materially different risk environment than even a few years ago. Rising project complexity,  compressed margins, workforce constraints, and rapidly evolving legal and regulatory expectations are reshaping how risk shows up on balance sheets and in daily operations. The result is not simply[...]

Apr 6, 2026

Pharmacy deserts grow in Pennsylvania as closures hit 1,000

The ongoing pharmacy closure crisis in Pennsylvania has become an alarming issue for communities throughout the commonwealth. Since 2020, over 1,000 community pharmacies have shuttered their doors, creating a massive pharmacy desert that has engulfed cities, towns, suburbs and rural communities.   A pharmacy desert is any area where residents no longer have reasonable access[...]

Apr 6, 2026

Smart strategies to protect your franchise or restaurant’s profitability in 2026

LONG ISLAND, NY -- Franchise and restaurant operators today face a mix of new opportunities and lingering challenges. Cooling consumer spending, a tight labor market, and high costs continue to squeeze margins.  But protecting profitability means more than focusing on sales alone. By identifying missed opportunities, unnecessary spending, and hidden charges, you can strengthen[...]

Apr 2, 2026

The long-term investor’s order of operations for portfolio success

I’ve struggled with this concept. I’ve seen many others struggle with it, too.  1: We discover a new shiny idea (Roth conversions! Small-cap value investing! Qualified charitable distributions!)  2: This idea’s shiny appeal catapults it to the top of our priority list.  3: Blinded by the light, we mistakenly overemphasize this new idea[...]

Mar 27, 2026

Senior bonus deduction offers tax relief for retirees under new federal law

In today's complex fiscal landscape, the headlines are dominated by the One Big Beautiful Bill Act (OBBBA). For the residents of our community—particularly those in or nearing retirement—this isn't just another piece of news to ignore. It represents the most significant shift in senior tax policy in decades.  As a fiduciary retirement planner, I often tell my clients[...]

Mar 23, 2026

Eli Lilly selects Lehigh Valley for $3.5 billion life sciences plant in 2026

This column, written by LVEDC President & CEO Don Cunningham, originally appeared in The Morning Call and on the newspaper’s website on March 6, 2026.    I’d been dreaming of this day for more than a year. And now I was feeling very strange. An out-of-body sensation was washing over me as I sat in[...]