This column has been modified to correct the amount of the required contribution for Janet's DB plan. Minimizing taxes isn’t always the best idea. Rich found this out the hard way. You may have heard ...

Forbes contributors publish independent expert analyses and insights. Melissa Houston covers financial issues that affect women in business. Creating a successful business starts with a strong plan.

Today Mercer, a business of Marsh McLennan (NYSE: MMC) and a global leader in helping clients realize their investment objectives, shape the future of work and enhance health and retirement outcomes ...