Blog

September is Life Insurance Awareness Month: Are You Covered?

September 18th, 2019|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

September is Life Insurance Awareness Month which is a month-long public awareness campaign sponsored by the nonprofit organization Life Happens.

If the income you earn would suddenly stop, due to death, could your family continue to meet their financial obligations such as paying the rent or mortgage, […]

What is “Key Employee” Life Insurance?

September 17th, 2019|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

All businesses, regardless of their size, have key employees that are invaluable to the success of the company.  The death of an individual whose services are important to a business will almost certainly cause considerable losses and costs to the business. For example, some customers or […]

Happy Tax

September 11th, 2019|

By Joanne M. Welker, CFA, Senior Vice President and Manager, Advisory Services

It is understood that the phrase “Happy Tax” is a bit of an oxymoron, but as an investor that truly is what the capital gains tax is.  Did you make the investment hoping the value would go down?  No.  Are you happy that the […]

New State-Run Retirement Plans Can Impact Business Owner Decisions

September 10th, 2019|

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans

Business owners have historically viewed employer retirement plans, like 401(k)s, as an effective solution for their own individual retirement savings, a mechanism for attracting and retaining employees or as a business tax saving strategy.  Yet despite the potential advantages, a survey indicated that many businesses, […]

To Infinity and Beyond

September 9th, 2019|

By Pete Biebel, Senior Vice President

After soaring in the previous week, stocks flew higher again last week.  The major averages all gained between 1 ½% and 2% for the week and they all ended the week at their highest levels since climbing to record highs in July.  The Buzz Lightyear moment came on Thursday morning […]

Happy Grandparent’s Day

September 6th, 2019|

By Jeffrey R. Wolfe, Senior Vice President, Manager of Wealth Planning Strategies

So Sunday, September 8 is Grandparent’s day, a day recognized by a proclamation by President Carter in 1978, “To honor grandparents, to give grandparents an opportunity to show love for their children’s children, and to help children become aware of strength, information, and guidance […]

National 401(k) Day is a Reminder of the Importance of Helping Workers Stay on Track for Retirement

September 3rd, 2019|

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans

With National 401(k) Day scheduled for this week – September 6th, I started thinking about how 401(k) plans have evolved since their beginning.  For example, for years business owners gauged the success of their 401(k) plans solely by the number of employees participating in the […]

A Vacation’s Revelations

September 3rd, 2019|

By Pete Biebel, Senior Vice President

Vacations are a great time for observation, reflection and contemplation.  I’d like to share with you several observations that occurred to me during a recent week at the beach.  First, the beach is a great place for people watching.  I know art fairs and airports are good people watching venues […]

Diversify and Modernize Your Income Sources

August 28th, 2019|

By Pete Biebel, Senior Vice President

Investors who are entering the autumn of their investing career might want to put a little spring into the income side of their portfolios.  As investors approach their retirement years they typically de-risk their portfolios, shifting out of riskier equity investments and into more stable income-producing assets.  In the olden […]

Can I Collect Social Security from My Ex?

August 21st, 2019|

By Theresa Fry, Senior Vice President and Manager, IRAs, Retirement and Education Planning

Many people find Social Security decisions confusing, but if you are or were previously divorced, understanding what your options are can be even more complicated.  When I talk with clients about Social Security collection strategies, there are two common questions I often […]