Small-business owners should review the latest COVID-19 economic relief package and weigh available options, review any partnership and buy-sell agreements, and review health insurance and retirement plans, says financial adviser Brian Bruggeman. Some small businesses are eligible for a second draw from the Paycheck Protection Program and an employee retention tax credit, while comparison-shopping for health and retirement plans could bring significant savings and offering other benefits like a dependent-care flexible spending account might improve employee well-being.