Understanding Risk Tolerance: A Guide for Crestwood Equity Partners Employees Navigating Retirement Changes

Healthcare Provider Update: Healthcare Provider for Crestwood Equity Partners: Crestwood Equity Partners primarily utilizes industry-standard options for employee health insurance, typically engaging with larger national providers that participate in the Affordable Care Act (ACA) marketplace. The specific healthcare provider might vary based on the plan options selected during annual open enrollment. Employees are encouraged to check with Crestwood's HR department for the precise provider details relevant to their benefits package. Potential Healthcare Cost Increases in 2026: As 2026 approaches, Crestwood Equity Partners employees face the prospect of significant healthcare cost increases. Premiums for ACA marketplace insurance are anticipated to rise sharply, with some states experiencing hikes exceeding 60%. This surge is largely driven by the potential expiration of enhanced federal subsidies, coupled with escalating medical costs and rate adjustments from major insurers. Consequently, a large portion of employees may see out-of-pocket expenses rise dramatically, significantly impacting their financial planning and access to necessary healthcare services. Click here to learn more

The world of investing is very subjective--the investment plan that’s right for you depends largely upon the level of comfort that you have when it comes to risk. We'd like our clients from Crestwood Equity Partners to remember that you can’t completely avoid risk when it comes to investing, but it's possible for you to manage it.

There are two aspects of risk tolerance for Crestwood Equity Partners employees to consider: (1) the capacity of your investment plan itself to absorb losses, and (2) how comfortable you are personally with risk. The first aspect can be quantified--the more flexibility your investment plan has when it comes to potential loss, the more risk your plan can tolerate. For example, as we’ve discussed, a long investment time horizon may allow you to take on more risk than a short time horizon.

'You can’t completely avoid risk when it comes to investing, but it is possible for you to manage it..'

The second aspect, how comfortable you are personally with risk, is more of an emotional measure, and depends on many factors, including your objectives, life stage, personality, and investment experience. Some investors are comfortable with a high degree of risk, while others can tolerate only minimal risk. Individual risk tolerance is an important factor for Crestwood Equity Partners employees in deciding which individual investments are appropriate for them, as well as how their investment dollars should be allocated among different investment classes.

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Investors are typically grouped into three categories for purposes of discussing risk tolerance: aggressive (those who have a high degree of risk tolerance); moderate (those willing to accept some degree of risk), and conservative (those who are risk averse).