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John Hood
(720) 858-6288

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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-FSG Client   
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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In This Issue: February 2019
6 Tips for Handling Market Volatility
New Report Shows Trends for Cost of Health Insurance in Colorado
What Every Woman Should Know About Long-Term Care
When was the Last Time You Reviewed Your BOP and WC Policies?
6 Tips for Handling Market Volatility
Conventional wisdom says that what goes up, must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when it's your money at stake.

There's no foolproof way to handle the ups and downs of the stock market, but the following tips can help
  1. Don't put your eggs all in one basket: Diversify your investment portfolio.
  2. Focus on the forest, not the trees: Keep your eyes on long-term investing goals and your overall portfolio. 
  3. Look before you leap: Before you jump into different investment strategies, make sure it's for the right reasons. How you invest your money should be consistent with your goals and time horizon.
  4. Look for the silver lining: A down market offers the opportunity to buy shares of stock at lower prices.
  5. Don't count your chickens before they hatch: Becoming overly optimistic about investing during the good times can be as detrimental as worrying too much during the bad times. The right approach during all kinds of markets is to be realistic. Have a plan, stick with it, and strike a comfortable balance between risk and return.
  6. Don't stick your head in the sand: Check up on your portfolio at least once a year. You may need to rebalance your portfolio to bring it back in line with your investment goals and risk tolerance, or redesign it so that it better suits your current needs.
Read more about these tips in this article from Woodbury Financial and contact Jeff Feakes at (720) 858-6285 for more information about investment planning.
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.
New Report Shows Trends for Cost of Health Insurance in Colorado
The Colorado Division of Insurance has released its 2017 Health Insurance Cost Report. This annual report details the health insurance market in Colorado, including the trends in the individual and group markets, the factors that drive premiums, and the financial status of health insurers. Data from 2017 is analyzed because of the retrospective nature of the report. Highlights from the 2017 report include: 
  • Average monthly premiums in Colorado across individual, small group (for small employers with 2-100 employees) and large group health plans (for employers with over 100 employees) ranged from $331 to $428.
  • The average health insurance deductible in Colorado was $1,951 for single coverage and $3,721 for family coverage.
  • More than half of all Coloradans received their health insurance from an employer. For this group, those with family coverage paid 27 percent of the total premium, while those just covering themselves paid 21 percent of the premium (employers paid the remaining portion of the premium).
  • As was the case in 2016, 86 percent of the premiums collected for health insurance in Colorado went directly to the cost of paying for health care services.
Contact  John Kaufman  at (720) 858-6287  for more information about group benefit options.
What Every Woman Should Know About Long-Term Care
The unpredictability of a health event requiring long-term care and its expenses is a risk most likely to keep many people up at night. It could quickly derail even the most thought-out retirement income plan.  Unfortunately, long-term care risk is far greater for women than men because women face a higher probability of needing care or becoming a caregiver.

A recent white paper from Lincoln Financial Group reviews the heightened risk factors women confront and the steps to take to help protect your financial and physical well-being, as well as your loved ones. Insights include:
  • Gender differences in life expectancies and how these impact risks of needing long-term care. 
  • Cost and length-of-time estimates for long-term care. 
  • Female predispositions to certain conditions/diseases that can change care requirements. 
  • The role of being a caregiver and considering this in your planning efforts.
Read the white paper here, and contact Mike Edwards at (720) 858-6289 for more information about different options for  long-term care planning.
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.

When was the Last Time You Reviewed Your
Business Owners Package (BOP) or Workers' Compensation (WC) Policies?
Did you have any building improvements in 2018? Acquire any business personal property? Purchase equipment with a replacement cost over $100K? Have you added employees to your staff? Or are you curious about pay-as-you-go workers' compensation billing options?

If you answered yes to any of those questions, you may want to perform an overall insurance review. An insurance review helps to identify any gaps in coverage and can provide assurance that your personal assets are shielded from your business-related exposures and liabilities. Contact Mitch Laycock at (720) 858-6297 for more information or to schedule a complimentary consultation.

In the meantime, review these additional questions to help determine whether your BOP and WC policies are right for your situation.
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 2019 by COPIC Financial Service Group, Ltd. 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.