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Surviving The End of Winter...
February is here, which means a little more winter and hopefully some extra hugs. 
Flu season is still going strong though, and many people battle depression at this time of year.  

Here are some tips on staying healthy through the end of the season.  

1. Mental Health
Winter can be a depressing time for many - learn some coping techniques to 
2. Get some sunshine
Bundle up and go for a walk, or find a place to hang out that offers light therapy. 
Check out what this library in Perrysburg is doing to offer up some sunshine on those dark days!

3. Handwashing
We can't say it enough - wash those hands!  The CDC advises 
Make it a rule to wash up when entering your home, keep hand sanitizer in the car, and supervise children to help them learn proper handwashing. 
Don't Forget Dental & Vision!
Now that everyone has their health insurance coverage set for 2018, we are getting a lot of requests for dental and vision insurance. These can be purchased throughout the year and are an important part of your overall health. 

For more information or to obtain a quote, visit the links below

R each out to your Advisor today: 

Appointments may also be scheduled by calling our office at: 

Savings Tips
Saving money is something few people are in the habit of doing well.  Here are some simple tips to start saving now.

Insanely Simple Ways To Save Money

Tax Time! Some Helpful Tips...
Tax time is here! 
Check out these frequently asked questions *:

Q: I have a subsidy/tax credit for my health insurance, how do I obtain the form 1095A for my taxes? 

A: Your insurance company should mail your form 1095A by the end of this month. You can also log in as a member with your insurance carrier to view and print it when it becomes available.  Please note that our office does not receive a copy of your 1095A. 

Q: I have an HSA, what are my contribution limits? 

A: The 2017 HSA contribution limits are
HSA contribution limit(employer + employee)
Self-only: $3,400
Family: $6,750

HSA catch-up contributions (age 55 or older)*

Read more about HSA's HERE

Q: There have been recent changes to the tax law. How does this impact me?

A: Several changes have been made for the 2018 tax year.  The Tax Cut and Jobs Act was passed last month by Congress and signed by President Trump. The new law includes many expected changes, some unexpected ones, and some changes that were expected but didn't make the cut. Here are the most important things that individual taxpayers need to know.

*Please note that CFI is not an accounting firm and we do not assist with tax filing. 
If you have tax-specific questions, we encourage you to seek out an accountant. 
If you need help finding one, just ask us.  

Growing With You
"Without continual growth and progress, such words as improvement, achievement, and success have no meaning." 
Benjamin Franklin

Here at CFI we often work with brand new businesses.  One of the fun parts of our job is helping a new company grow.  We view ourselves as partners with our clients and enjoy the challenge that comes with helping them design a benefits package that helps them attract and retain good talent.  As our clients grow, so do we.  You may notice a few changes at CFI this year.  We are excited about our continued growth and are forever grateful for the clients who help us get there.  Thank you! 

Jim Roesch,  CEO and Chief Visionary Director