After two years of near-constant layoffs and terminations, the recession has officially taken its toll on small businesses. Uncertainty is prevalent in the lives of those who manage their company's benefit programs. Business owners are asking tougher questions about the programs, their value, and their costs. Staffing-related lawsuits seem to lurk around every corner. So to whom can the HR manager and business owner turn to help them cope with these issues? The employee benefits advisor is the obvious choice, but all too often, this advisor does not have access to the bigger picture and therefore cannot truly add value during these difficult times. Many advisors tend to work in silos based on products or services offered (e.g., the health insurance agent is separate from the P&C agent, who is different from the retirement plan advisor, etc.).