Winter is right around the corner. Depending on where you live, this could mean extreme amounts of snow and/or ice; and with that comes power outages. While there is little you can do about a winter power outage once it has happened, you can take steps to prepare yourself. Lots of Water When you lose […]
There are several reasons to create an estate plan, such as to reduce estate tax liability, protect assets from creditors, make charitable donations and distribute your wealth according to your wishes. There are many estate planning techniques and strategies to help you achieve your estate planning goals. But an important final estate planning step is […]
Medicare open enrollment began October 15, 2011 and will end December 7, 2011. This is the one time of year when everyone with Medicare can make changes to their health and prescription drug plans for coming year. Please click here for the official 2012 Medicare Handbook.
We are a growing company and use Cleary for all our insurance coverages. It makes our lives easier to deal with one company who can handle all our insurance needs. Everyone at Cleary is incredibly responsive, and they certainly have demonstrated many times their ability to handle all our issues. Irene Costello Co-founder Effie’s Homemade
Reviewing Your Options Like many employees, businesses consider ways they can cut expenses during difficult economic times. One common focal point of such is employee benefits programs, especially in the area of health benefits. Considering that health benefits are frequently the most expensive aspect of a company’s benefits program, this may seem like a reasonable, […]
Impending Legislation The Department of Labor (DOL) published a final rule on August 29, 2011 implementing Executive Order #13495 on “Non -Displacement of Qualified Workers” under SCA contracts. This rule will not be effective until the Federal Acquisition Council issues regulations, which should happen very soon. It will pertain to every contract under the Service […]
Why It’s Important for Everywhere When most people think about earthquakes in the United States, Alaska and California are the first two states they think of. However, Tuesday’s earthquake in Virginia shattered this idea. The initial 5.8 magnitude quake was followed by several aftershocks, which were felt as far away as Georgia, Chicago and Toronto. […]
Why Annual Reviews Matter Most new business owners are concerned that everything is favorable for the success and safety of their business, including obtaining the protection of business insurance. However, longevity and success can cause complacency. Let’s say you started your business 10 years ago with just a small space and computer desk. Today, you […]
Our new client Wessling Architects uses a unique, award winning integrated approach to all their design and architecture projects. According to Stephen J. Wessling, President & CEO, this approach “enhances the design process and protects the interests of our clients not only due to the efficiency, but through comprehensive professional services, strong communication, and a […]
A Vital Part of a Wealth Management Plan Thanks to a soft economy, the up and down stock market, and the loss of equity in many homes, more people than ever are considering ways to protect their assets. Threats such as a forced bankruptcy filing, a frivolous lawsuit or an IRS audit are all reasons […]