Our Services Employer Groups: Group Insurance Benefits - The size and experience of our organization provides our clients with expertise in: Group Health - Review of current benefit plans and cost/benefit analysis of the options in the marketplace. Comparisons of current PPO plans vs.H.S.A. and H.R.A. programs. Partial self-funding and total self-funding where appropriate. Group Life - Employer sponsored or voluntary benefits available. Group Dental - Fully funded or self-funded. Also available as employer sponsored or employee paid. Group Disability - Group plans along with employee paid supplemental disability insurance offered. Ongoing Service - Help with claims, billing and enrollment issues. ‘Shopping’ all insurance coverage every year to be sure you have the most competitive package available. Retirement Plans - Whether you have sponsored a plan for years or you are just getting started we offer the most flexible approach to plan design. Our consulting team is available to assist you in choosing your plan features and at the same time manage costs. 401(k) plans - Traditional or Safe-Harbor. Features can include age weighted provisions or new comparability provisions. Simple Plans - Plans with very little IRS regulation or testing. HR Support - We are employ HRanswerlink, a premier HR website, to give HR professionals access to data to help them with basic issues and ongoing compliance. Other Services: Bonus - A no cost Premium Only (POP) IRS Section 125 program for all group health clients. This is a savings of $500! Annual Open Enrollment - Conducting meetings and reviewing coverage with employees. Crisis management - Emergency claims and administrative management from our experienced staff. Annual review of benefits - Complete annual market review/bid process to ensure benefit design and costs remain competitive in the marketplace. For Individuals: Individual Insurance - You don’t have to be in a group to get great insurance we offer: Individual Health Insurance - Very competitive rates form the carriers that represent themselves well in the area. Individual PPO, H.S.A and H.I.A. plans are available. E-mail us for a quote - [email protected] Or click here to do your own quote online Individual Health Quote Life Insurance - We offer competitive term, whole life and variable life products. Disability - Short and Long-term disability available for individuals. Property and Casualty - Through our association with The Brush Agency we offer home, auto and liability coverage. Financial Planning - Now more than ever it is important to take charge of you financial future. We offer investments through Sterne Agee Financial Services, Inc. member FINRA/SIPC. Retirement Planning - Determining how and when you will retire is essential in today’s environment. We can help you plan to have a successful retirement. We are income specialists that can help you develop a game plan to keep your lifestyle throughout your retirement years. Investment Options - IRA’s, Roth IRA’s, Individual Self-Employed 401k plans. Education Planning - 529 plans to cover higher education costs. Portfolio Review - Annual review of your portfolio performance and goals.