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Mike Edwards
 Dir. of Financial Services
(720) 858-6289

John Kaufman
Account Executive
(720) 858-6287

Mitch Laycock
Account Executive
(720) 858-6297

Jeff Feakes
Account Executive
(720) 858-6285
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Everyone wants financial security, and FSG's Financial Planning Team can help you achieve this. Whether it's investment/retirement planning, estate planning, or disability/life insurance, our team provides trusted advice with the goal of protecting and growing your assets. Contact Mike Edwards at (720) 858-6289 or Jeff Feakes at
(720) 858-6285 to learn how we can help.
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Need workers' comp and employee benefits, while also considering a PEO option? We can help!

We've teamed up with Bene-Fit Solutions to provide competitive rates for worker's comp and employee benefits, while also providing the convenience of a PEO. For more information, please contact Mitch Laycock at
(720) 858-6297.
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In This Issue: August 2018
Best Wishes to Sue Swanson
Life and Disability Insurance for Vital Employees
Minimize the Impact of a Natural Disaster
Get in the Know: Flood Insurance
Saving and Investing Wisely for Retirement
Health Insurance Carriers Offering Tobacco Cessation Programs
Best Wishes to Sue Swanson
It is with mixed emotions that we announce the departure of FSG President, Sue Swanson. She is leaving the financial services world to mold young minds as an elementary school educator. Sue has always been passionate about teaching and we know what a gift she will be to her students. Congratulations Sue, and thanks for all you've done for FSG!

We are pleased to announce John Hood will take over as the new Director of COPIC FSG. He joins the team this month with a wealth of insurance and agency experience. Look for more details about John in our next issue.
Life and Disability Insurance for Vital Employees
You've got a great group working for you now, and business is good. You know that much of that success is due to one or two key people with both skills and personalities that are hard to match. Suppose they were injured and out of work for a while, or suppose they died? Would your business survive? Key employee life and disability insurance coverage can help make sure that it does. 

Here are some possible scenarios to consider: 
  • While the employee is out of work, the revenue that he or she generates may substantially decrease. 
  • You'll incur unexpected expenses recruiting and training a temporary or permanent replacement. 
  • Less capable or inexperienced employees trying to fill in can make mistakes or cause delays that cost money. 
  • Customers or even other employees may look elsewhere, concerned for the future of the business after the loss of a key employee.  
Key employee life and disability insurance policies can help soften the impact of these blows. Generally speaking, these policies are sold to small or medium-size businesses; it's in those operations that a single person can make the most difference to the bottom line. Read the article from Woodbury Financial, Key Employee Life and Disability Insurance, and contact Mike Edwards at (720) 858-6289 for more information about these types of policies.
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Securities and Investment Advisory Services offered through Woodbury Financial Services, Inc., Member FINRA, SIPC and Registered Investment Adviser. COPIC Financial Service Group and Woodbury Financial Services, Inc. are not affiliated entities.
Minimize the Impact of a Natural Disaster
Your basic homeowners' and/or business owners' insurance policies typically cover some weather-related and natural disaster exposures like tornados, hail, and wildfires, but did you know floods and earthquakes are commonly excluded?  

Earthquakes in Colorado? There were 32 earthquakes in Colorado in the past year according to Earthquaketrack.com, and Trinidad, CO experienced a 4.0 magnitude quake in December 2017. Your business and personal property is not covered for earthquake damage unless you have a special endorsement or policy. Floods and other earth movement such as sink holes and landslides are also often excluded from a basic policy.

While there's no controlling a natural disaster, having a family and/or business disaster plan in place can help ease the anxiety caused by the "what if." Utilize one of these online resources to help develop a plan: 

Contact Mitch Laycock at (720) 858-6297 to discuss your coverage options and find a policy that best fits your personal situation.

Get in the Know: Flood Insurance
You can get a stand-alone flood policy through FSG!  Unless you have a specific policy for flood, chances are you do not have coverage for this exposure on your business or home policy. 

"Flood water" is considered any collection of groundwater and would include water seeping through walls or floors of below-ground level in your home or building business suites. Additionally, coverage for backup of sewer and water lines is not always provided by some business or home insurance carriers. Take advantage of a complimentary policy review with FSG to make sure your coverage is right for your exposures. Contact Mitch Laycock at (720) 858-6297 for more information.
Saving and Investing Wisely for Retirement
Let's face it, the more you can save for retirement, the better your chances of retiring comfortably. Some key considerations to keep in mind:
  1. Start saving as early as possible.
  2. Approach investing as an ongoing, regular habit.
  3. If you participate in an employer-sponsored retirement plan, take advantage of automatic contributions and the power of tax-deferred growth.
  4. If your plan allows, make appropriate investment choices for your time horizon. 
People may assume tax-deferred accounts have benefits over taxable accounts. But, it is possible that lower maximum tax rates for capital gains and dividends, as well as the tax treatment of investment losses, would make the investment return for the taxable investment more favorable, thereby reducing the difference in performance between the taxable and tax-deferred investments.

Read more about these options for retirement planning in this article from Woodbury Financial and contact Jeff Feakes at (720) 858-6285 for more information on how to choose the best retirement savings plan for you.
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Securities and Investment Advisory Services offered through Woodbury Financial Services, Inc., Member FINRA, SIPC and Registered Investment Adviser. COPIC Financial Service Group and Woodbury Financial Services, Inc. are not affiliated entities.
Health Insurance Carriers Offering Tobacco Cessation Programs
Although smoking rates have declined over the years, one out of six American adults still smoke 1 . Employers that offer tobacco cessation programs can empower employees to end tobacco use and potentially reduce the company's health benefits costs.

The cost of tobacco use to employers in 2016 included: 
  • $3,160 in medical expenses.2
  • $146 in workers' compensation.2
  • $1,066 in lost productivity.2
  • $1,903 in smoking breaks.3
As employees quit tobacco and reduce certain health risks, employers potentially see lower chronic illness rates and lower medical expenses. 

Does your health insurance carrier offer a cessation program? Carriers like United Healthcare have recently started including their tobacco cessation program with plans at no additional cost to customers. Contact John Kaufman at (720) 858-6287 for more information about taking advantage of cessation program benefits for your employees.

Even if you are not currently in the market for insurance products, we are always available to assist you in getting the best coverages at the best prices. Call us at (720) 858-6280!
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Copyright 2018 by the COPIC Trust. All rights reserved. No part of this publication can be produced or transmitted in any form or by any means without written permission from the publisher.

  COPIC Financial Service Group, Ltd. is an insurance brokerage firm representing a variety of insurance carriers. Products offered by COPIC Financial are not issued by COPIC Insurance Company.