Bundled vs unbundled. I am often asked, what is the proper answer for your client and what are the differences? In full disclosure, I have sold both service models over my career. For many years I worked for large insurance companies as a wholesaler, and we often pushed the company line and sold bundled services. From a sales standpoint, bundled initially seemed like a good way to maintain control of the assets, keep home office people employed and have the company look favor

It’s no secret that most people want to save on their tax bill. Like many, business owners are asking what they can do to keep their...

As exciting a venture as owning your own business can be, it can also be frightening, especially when you're not sure what kind of retirement plans are available for the self-employed. Choosing the right retirement plan can increase your retirement savings and open a variety of potential benefits for you and your employees. Not sure where to start? It’s all a matter of finding which of the many options will best help you build your future income. Discover which plan is right

With the passing of SECURE Act 2.0, many changes are underway to help Americans save for retirement more easily. One such change is a new incentive for low to moderate income individuals that will transition a Saver’s Credit into a government match. To prepare for the official switch coming in 2027, let’s look at the differences between retirement Saver’s Credit vs Match and the benefits of this new legislation. Retirement Saver’s Credit Currently, qualified contributors to 4

Employer-sponsored retirement plans are generally divided into two primary categories: defined benefit plans and defined contribution plans, both of which are covered by the Employee Retirement Income Security Act (ERISA). Both types of plans provide a variety of advantages to employees and employers but determining which one is the best fit for any given company requires an understanding of the key differences between these plan categories. Let’s examine these plans in more

It’s hard to imagine that the decisions you make now will have a long-lasting impact on the future of your life. Nevertheless, they do,...