Presented by Douglas W. Greene CFP® CLU® Advisors may suggest to their clients that they never take a loan from their 401(k) plan, but things happen, and happen more often than you might think. According to Morningstar, at the end of 2012, 21% of 401(k) plan participates who were eligible had loans outstanding against their […]
While all businesses should have a plan in place to protect their employees and their bottom line when a natural disaster hits, they should also consider their location and the insurance that is necessary to keep their doors open after a catastrophic event. For a detailed disaster plan you can visit the link: https://www.fema.gov/pdf/library/bizindst.pdf Reviewing […]
Regardless of how well prepared you think you are for adult responsibilities, there is always room for improvement – especially when it comes to life insurance. For millennials, life insurance may not feel like a totally immediate concern; however, it is the type of insurance that is too often underestimated and even more complicated than […]
In light of the recent natural disasters happening around the globe, we are unfortunately reminded of the importance of obtaining proper personal insurance. If you are a homeowner, it is pertinent to routinely assess your personal insurance policy’s coverage. Unforeseen events (knock on wood) happen, and at that time you will be relieved of one […]
The first step is to come up with your business idea – now it’s time to build! In order for your new startup to be a success, you need spunk, determination and a strategy. But where to begin? From product, to employees, to clients, the responsibility can be overwhelming. We’ve put together a few of […]
Most business owners prefer to recruit employees with proven talent in their fields. This instinct often encourages entrepreneurs to hire top talent quickly, offering competitive salaries and benefits—especially for employees with specific technical skills that may result in direct growth for the company. But is paying high always the way to attract the best employees? After […]
If you have any dependents that fall under your responsibility – children, spouse, a special needs adult – it may be time to have the life insurance policy conversation. It’s not always a pleasant thought, but it’s certainly necessary to consider if you are the primary caregiver to another person. In the event of your […]
When most people think about insurance, they associate it with buying a car or home. Renter’s insurance is often overshadowed in this way. Even though renter’s insurance is not always required, it’s still important when considering the net worth of your personal items. At Cleary, we recommend renter’s insurance so that you’re protected against the […]
Entrepreneurs are often mislabeled as “risk takers,” while in reality the most successful ones make calculated and mindful decisions. This sense of purpose and deliberation comprise a few of the qualities that differentiate successful entrepreneurs from the average risk taker. A risk takers’ biggest mistake is depending too much on chance. Too often, they lay […]