Every year, I send my clients a small gift; a pocket planner to show you my appreciation. But recently, I realized that I receive gifts all year round – gifts from clients like you. Here’s just one example. Read More→
Cindy Bowden Insurance & Benefits
Phone: 905 477-8029
Phone: 905 477-8029
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Categories : Integration, Planning
Recently, three business partners came to see me for a review of their employee benefits program. Sounds simple, right? Well it was… until I uncovered some huge gaps in their individual, group and corporate insurance.
It turned out that they owned the building they worked out of. So, I asked them some basic questions: how is the building funded? What plans are in place if one of the partners dissolves the partnership? What about if a partner becomes disabled… how are salaries, benefits and debts handled? Who pays?
They looked at each other, then at me. One of them shrugged. “We have no idea,” he said. “No-one has ever asked us that before. We hadn’t even thought of it.” Read More→
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Categories : Integration, Risk
All of us have, at some point, imagined what it would be like to have a sudden influx of cash – a financial windfall. But if it happened to you, would you know what to do with it? Sure, we all know how we’d WANT to spend the money… but do we know how BEST to spend it, so that we can not only have some fun with it, but make it last well into the future? Read More→
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Categories : Integration, Planning
By Cindy Bowden · Comments (0)
Tuesday,
June
8th,
2010
Last week, I met with a client of mine about her pension plan. Joan had recently taken a pension from her employer. Her HR department offered her a standard package, and encouraged her to take it. She wanted to know what I thought.
What I found had me concerned for her. First, since she was still working elsewhere, there was no reason for her to start a pension. If she had let it sit another five or six years and then taken it, her monthly payments could have been much, much higher. What’s more, she was going to have to pay more tax due to the increase in her income.
But worse – in the event of her death, her pension would actually drop by 40%! Since this would leave her husband short, she now had to make up for that 40% downfall somehow… plus inflation. Read More→
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By Cindy Bowden · Comments (0)
Thursday,
April
8th,
2010
I recently met with a client of mine – let’s call him ‘Jim’. I’ve handled Jim’s personal and business insurance for over 20 years. His business situation was changing, and he wanted to review his policies and see what, if anything needed to be altered.
As I went over the details, he mentioned that he’d just moved his employee group benefits plan to a different carrier. When I asked him for information about the plan, he couldn’t answer me. He had no idea how much or what kind of coverage he had. In fact, he couldn’t even remember the name of the carrier, or the broker who gave him the plan!
But the biggest surprise came when I asked him why he hadn’t come to me for his group plan. He looked at me in complete shock, then shook his head. “Cindy,” he said, “It didn’t even occur to me to ask you!” Read More→
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Categories : Integration
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