Recent Posts

  1. Penalties for Pre-tax Contributions to Employee Individual Health Premiums

    On May 13, 2014, the Internal Revenue Service (IRS) issued FAQs addressing the consequences for employers that provide employer payment plans. The IRS clarified that these arrangements do not comply with the Affordable Care Act’s (ACA) market reforms and are subject to an excise tax. Employer payment plans are arrangements in which employers reimburse employees […]

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  2. The Importance of Disability Insurance

    by Cameron Bramwell

    There has been a recent rise in the amount of companies offering disability benefit plans to their employees. Companies see the value in this type of insurance; unfortunately, many of these companies’ employees do not. The increase in the number of companies offering disability benefit plans has been accompanied by a decrease in insured individuals. […]

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  3. Stay Safe in the Sun

    by Cameron Bramwell

    Skin cancer is both dangerous and common – it is the most common form of cancer in the United States and over two million people are diagnosed annually. Even more startling, sun exposure is the primary cause of over 90 percent of non-melanoma skin cancer cases reported in the United States. Though basking in the […]

  4. The Importance of Life Insurance

    by Cameron Bramwell

    Next week we will celebrate Independence Day. It is a time for family barbecues and appreciation for our great country. This Fourth of July, look around at your family and think about what would happen if you were no longer around. Would your family be financially protected? Life insurance isn’t a fun thing to think […]

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  5. Healthy Meals on a Budget

    by Cameron Bramwell

    Eating healthy on a limited budget may seem impossible, but with a little time, planning and strategic shopping, you can eat healthier and stay within your means. Importance of Planning Planning your meals for the week is the best place to start. Planning will help you make sure you are including foods from each food […]

  6. Workout Injury-Free!

    by Cameron Bramwell

    Exercise is a great way to combat stress, lose weight and boost your energy. To get the most from your workouts, it is important that you add warming up, cooling down and stretching to your exercise routine. These three simple steps are proven to prevent painful and costly injuries later. Warming Up Warming up allows […]

  7. Personal Umbrella Insurance

    by Cameron Bramwell

    After a hectic work week, Kirk Bonham was looking forward to a relaxing weekend with his wife and kids.  He was just a few blocks from home when his cellphone rang.  He glanced down to see who was calling.  That split-second distraction was all it took for him to miss the approaching stop sign.  Kirk […]

  8. Summer Safety

    by Cameron Bramwell

    Summer Safety Summer is synonymous with backyard barbecues and spending time outside with family and friends. At some point throughout the summer, most of us will find ourselves flipping burgers behind the grill or bringing a container of grandma’s famous potato salad to the party. But unfortunately, if you aren’t careful about handling foods during […]

  9. Health Care Reform: What Does the Individual Mandate Mean to Me?

    by Cameron Bramwell

    A key provision of the Affordable Care Act (ACA) is the “individual mandate,” which requires most individuals to purchase health insurance coverage or pay a penalty. What is the individual mandate? The ACA requires most individuals to obtain acceptable health insurance coverage for themselves and their family members or pay a penalty. If you are […]

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  10. Business Interruption Coverage: Protection Your Business May Need

    by Cameron Bramwell

    Scenario: You own a catering business. Over the last year you have been providing your services on college campuses, where you sell your product out of a food truck. Recently, the food truck has been damaged and is now inoperable. Is the resulting loss of income from the food truck covered? Until recently, this answer […]

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