Posts Categorized as Uncategorized

I meet with individuals and families each week who tell me about things they are celebrating, like retirement, weddings, births, anniversaries, and other wonderful events. I also have clients who tell me sad stories about losing loved ones, divorces, dementia, difficult family relationships, and much more. Last year, I attended a conference and heard Amy Florian speak about her studies of grief, and I became passionate about helping those around...

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A life insurance policy typically is taken out at a certain point in a person’s life to address a specific need. As the years go by, circumstances change. That’s why every life insurance policy should be evaluated periodically to identify weaknesses and maximize performance within the policy. Is your life insurance policy performing as well as it could be? Here are some factors that could be undermining your policy’s performance. Every...

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By Rachel McCann, Middendorf Insurance Associates

A common question I answer each summer is “I’m going on a trip and renting a car. Do I need to purchase the rental agency’s car rental coverage?” What should you purchase and what can you forgo? The answers depend on how your personal automobile insurance policy reacts. Not all policies are the same. The first thing I do is determine if the client’s...

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Ross Polking Thumbnail Photo

Road maps. Battle plans. Lego instructions. Recipes. Failing to follow the stated steps with any of these rarely equates to a successful outcome. The best estate plan ever drafted does nothing if not properly executed. Attorneys often face the uncertainty of never knowing if their clients completely follow through on all of their recommendations. Like a parent waving good-bye to their child as they disappear into school on their first...

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By Mark K. Phillips, Bank Iowa

A stolen credit card number sells for about $5 on the dark web. A medical record, on the other hand, can go for as much as $50. Why is the latter so much more valuable? There are several reasons. First, one patient record is a treasure trove of personally identifiable information or PII. This is data such as social security numbers, birth...

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By Nick Montague of Montague Law P.C., L.L.O.

We have all heard the statistics: Half of all marriages end in divorce. While the actual number of marriages that end in divorce is hard to pinpoint, the generally accepted fact is that happily ever after is not always a guarantee. Frequently the clients we counsel are concerned that the once blossoming relationship of their son or daughter-in-law could be headed...

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Tim Mabee

We frequently receive questions from clients about how to best protect their identity online. Prior data breaches have taught us some important lessons about what to do if we know, or if we fear, our personal information has been compromised. 1. CHANGE YOUR PASSWORDS to all online accounts if your assessment of impact indicates vulnerability. Make sure the new passwords are substantially different than those used previously. 2. USE UNIQUE PASSWORDS for...

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Moklestad Matt Profile Photo

A few months ago, our Institutional team reviewed an investment portfolio for a nonprofit that contacted us for a second opinion.  We first reviewed its Investment Policy Statement (IPS) and then began the process of analyzing the portfolio. What is an Investment Policy Statement? An Investment Policy Statement is an organization’s road map for its investments.  For example, it includes a target asset allocation, what types of assets are permitted in the...

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By Blake Martin of FranNet

We’re going to take a closer look at how much the business of franchising affects the overall U.S. economy. What are its impact and implications? This will be a statistic-heavy exercise, so buckle up for some interesting assessments on the impact of franchising in our country today. In the quest to find the most recent and reliable study on the subject, we will...

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