Small business owners know that it’s getting more competitive than ever to hire the best and brightest people.  Employee benefits remain a top differentiator for small businesses and yet many are still struggling to deliver just the right benefits.  One idea to consider is to take a fresh approach to emplo [...]

A few days ago I met with a prospective client, an attorney who, I discovered, was born the same year that I graduated from college.  I am now officially old in my mind, but “seasoned” in my profession -- 34 years of experience this month. The wife of the prospect is also an attorney, and together they hav [...]

Key person insurance is a life insurance or disability policy owned by a business on a key employee. The business pays the premiums and is the beneficiary of the policy. This type of insurance can give a small business options when a key employee suddenly passes away or becomes disabled. If you are a small busine [...]