Take the headache out of insurance by making it simpler.

Years ago when I built my first home, I hired a general contractor that was referred to me to get the job done.  Little did I know the extent of what the build entailed; carpenters, plumbers, electricians, roofers, all sorts of different sub-contractors to do my bidding.  The general contractor orchestrated the maelstrom of activity [...] Read more...

Turn on the light in the darkroom of Healthcare Reform.

I remember as a child learning a new form of patience in a darkroom with rolls of film to be processed into individual pictures.  All the chemicals, the exposure of light sensitive paper, and the slow development of a picture from a vision to a permanent record to be admired. God forbid someone turned on [...] Read more...

Popcorn and social media, they don’t have to be chaotic.

I love popcorn; it’s one of my guilty pleasures. When I was a kid, I loved taking the lid off the popcorn popper and watch the kernels explode all over the place. My mother hated it, but I thought it was hysterical how much chaos I could create. As a thinking person, my thoughts and [...] Read more...

Cut costs, not corners.

Are you paying for benefits that you might not need? I paid  premium monthly dues for a gym membership so I could have access to every single location that franchise maintained, all over the country.   How many of those did I frequent? One or maybe two, near my home and office.  Paying a lot of [...] Read more...

Recent Healthcare Reform

With the current hysteria surrounding health care reform, it is important to note that the cost of healthcare is where the underlying need for reform exists.  This significant issue for businesses, employees, and health insurers is continuing to grow.  In 2008 alone, national spending on health care reached $2.3 Trillion dollars.  There is not a [...] Read more...

Life Insurance Bridges the Gap

Conventional wisdom says that most people need life insurance only during their working years to provide for their families in the event of a premature death. The thought was that by retirement, they had paid off their mortgage and accumulated sufficient wealth and sources of income to self insure the family’s survivor needs. Many families [...] Read more...

A Business Continuation Plan

Did you know that 56% of small to midsize firms are not protected if an owner, partner or key executive dies, and 70% of them would be vulnerable if one of them were to become disabled? Where would you get the funds to purchase their share of the company? What if an outside owner with [...] Read more...

A predictable asset for unpredictable times

A predictable asset for unpredictable times. Those of us who have more money then we will spend will pass the excess on to others at death. Efficiently passing on assets left at death can be challenging, especially when future values of assets and the state of the markets for them are relatively unpredictable. To maximize [...] Read more...

Pension Protection Act

The Pension Protection Act of 2006 allows for new opportunities to fund Long Term Care Insurance. The new legislation stipulates that the use of non-qualified annuity money to pay for Long Term Care insurance premiums can be tax-free. According to the U.S. Bureau of Health and Human Services, 70% of individuals over the age of [...] Read more...

Tips For Lowering Your California Worker’s Compensation

In recent years, California employers have experienced a roller-coaster ride in workers compensation premiums. With rates heading upward, it is important to know that individual carriers can offer significantly different rates for the same class codes. Don’t just settle for your renewal quote. A good insurance broker will shop numerous markets to insure you are [...] Read more...