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CONTACT US
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Mike Edwards
Financial Planning Services, Investment & Retirement Planning
(720) 858-6289
Jeff Feakes
Individual Life & Disability, Individual CDA Benefits
(720) 858-6285
John Kaufman
Group Benefits,
Group CDA Benefits
(720) 858-6287
Mitch Laycock
Property & Casualty,
Cyber Liability
(720) 858-6297
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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
,
Jeff Feakes
, or Brad Radochonski
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 workers' comp and employee benefits, while also providing the convenience of a PEO. For more information, please contact
Mitch Laycock or
John Kaufman.
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Colorado Dental Association (CDA) and Colorado Medical Society (CMS) Announce New Member Benefits in Collaboration with COPIC Financial Service Group |
We have been working behind the scenes to offer two new in
surance products to benefit members of the CDA and CMS.
Starting November 1, 2019 CDA members can take advantage of an affordable group health coverage program as a benefit to their staff through National General Benefits Solution.
Beginning January 1, 2020,
CMS members
can enroll
in a dental health plan through Delta Dental.
Contact
John Kaufman at (720) 858-6280 for more information.
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COPIC Financial Service Group Welcomes Brad Radochonski, Retirement Solutions Specialist |
COPIC Financial Service Group is pleased to introduce you to the newest member of the team, Brad Radochonski.
Brad brings over 18 years of financial services experience with a wide and varied background in his roles at companies including The Hartford, Sun Life Financial, and Lincoln Financial.
Brad's primary focus will be corporate retirement plan solutions, with an emphasis on defined contribution [401(k)] and defined benefit plans. Brad's ability to understand a company's current circumstances, provide education involving opportunities, and then present seemingly complex solutions in a clear and compelling manner, will be a unique benefit COPIC brings to its clients.
Read more about Brad and his specialty here
.
Ready to begin a conversation about retirement solutions for your business, but not sure where to start? Email
Brad
or call him at (720) 858-6279.
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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. Insurance services offered through COPIC Financial Service Group. Mitch Laycock and John Kaufman are not registered with Woodbury Financial Services, Inc.
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What's the Ideal Annual Withdrawal Rate? |
There is one question asked by all financial planners' clients: "How much can I safely withdraw from my retirement portfolio?" This is an important question. If you get the  answer wrong, or don't ask it at all, the results can be disastrous when you retire.
There are so many personal variables to factor in for each client that it might seem impossible to approach any sort of sensible answer. This article features multiple scenarios, and looks at a 25-year retirement period assuming a retirement age of 70 and a starting balance of $1 million.
To start exploring this topic,
read this article at Financial Planning.com
. It includes a "Withdrawal Rate Matrix" showing the effects of withdrawing 1% to 15% of retirement funds, and how that affects long-term goals.
Contact
Mike Edwards
at (720) 858-6289 to delve into your individual needs so you can start planning for your retirement.
___________________________________________________________
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. Insurance services offered through COPIC Financial Service Group. Mitch Laycock and John Kaufman are not registered with Woodbury Financial Services, Inc.
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Take Advantage of a Complete Insurance Review |
As we approach the end of the year, now is a perfect time to review your business insurance coverage. Why, you may ask? We want you to be absolutely certain your personal assets are shielded from your business-related exposure and liabilities.
Consider these questions.
- Do you have the correct replacement cost values on your business equipment and contents?
- Are you protected for accidents caused by your employees while driving their cars on your time?
- Does your workers' compensation policy provide coverage for source-patient testing in the event of a needlestick?
- Do you have the legally-required ERISA coverage for your employee savings plans?
- Do you have coverage for backup of sewer and water?
- Do you own a building? If so, did you know you are not covered for flood unless you have a specific policy for your building?
If you don't know the answers to any one of these questions, contact Mitch Laycock to schedule a complimentary review of your entire insurance portfolio.
To kick off the conversation, take a look at this Business Insurance Coverage Checkup form from The Hartford or you can find it online and complete the assessment on The Hartford's website.
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Can I Refinance My Student Loans? |
Are you still paying off your student loans? With the federal government recently lowering interest rates, you may be wondering if
 you can refinance them. There are several different options for you to consider, including securing a private loan, federal loan consolidation, or other choices like a home equity loan or a loan against your 401(k).
It's important to choose carefully so your path forward is a smooth one.
Our partners at Woodbury Financial have put together an article to answer your questions.
For further information and a complimentary consultation, contact
Jeff Feakes at (720) 858-6285.
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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. Insurance services offered through COPIC Financial Service Group. Mitch Laycock and John Kaufman are not registered with Woodbury Financial Services, Inc.
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We are always available to review your current risk and policies to help you get the best coverages at the best prices. Call us at (720) 858-6280.
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