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Self-employed individuals face a number of challenges independent of “running their business”.    One of the greatest challenges is selecting a retirement plan that meets the unique needs of their company.  Until recently, self-employed workers were limited in the ways they could shelter their income and save for future goals.  Most…

In recent years Equity-Indexed annuity sales have hit record levels. That’s a result of investors pur-chasing these annuities without fully understanding the complexities of their contract. Given the scars of past market volatility, the promise of principal protection with potential for growth is appealing to many people. Insurance companies which…

Watching the Griswold’s in “Christmas Vacation” last week reminded me it’s that time of year again to take a closer look at some often overlooked year-end planning strategies for families and businesses. There were a number of tax law changes in 2013 that have added increased complexity to an already…

November is here again. My six year old son has now started asking the same recurring question: “Mom, when am I getting my ‘Benjamin’?” His birthday is in November, and the ‘Benjamin’ is you guessed it, a $100 bill. Yes, my son is looking for his cold hard cash. He…

According to Webster’s dictionary, Insurance is defined as coverage by a contract, whereby one party under-takes to indemnify or guarantee another against loss by a specified contingency or peril. To me, it is important that Americans understand the outright definition of what it is that they are dealing with now…

Nkurunziza Innocent joined OmniStar Clients at our 1st “Meet the Artist” night. Having such a talented artist be part of this event made for a very special evening. If you were among those that spent some time with Innocent, you will likely agree that his art is only surpassed by…

The Case-Schiller 20-City Home Price index rose year-on-year at plus 12.3 percent to reach a new recovery high. Looking at individual cities, strong gains in the west are leading the recovery. As home values increase, so to does the equity in everyone’s home. This appears to be encouraging some formerly…