Issue #151

News and Events

In This Issue:

• July is Property & Casualty Insurance Month
• Summer Playlist by Team FSA
• 2025 FSA Scholarship Winner
• You're Invited: Annual FSA Volunteer Day
• Thursday, August 7th: Office Closing Early
• Monday, September 1st: Office Closure (Labor Day)
• LPL Market Research

Hello Marion,

July is Property and Casualty Insurance month at FSA and, as we dive into beach days, road trips, and backyard barbecues, it’s the perfect time to check in on something that can get overlooked: your property and casualty insurance coverage.

What’s Property and Casualty Insurance Anyway?

Okay, let’s break it down: property and casualty insurance — often just called P&C insurance — is basically your financial safety net for the unexpected stuff life throws your way.

Most of the time, you’ll see these bundled together in things like:

• Homeowners insurance
• Auto insurance
• Renters insurance
• Landlord or business insurance

Think of P&C insurance as a mix of “protect my stuff” and “protect me if something goes wrong.” It doesn’t cover everything (like healthcare or life insurance), but it covers a lot of the everyday risks that could lead to some seriously expensive problems.

It’s a solid, financial best practice to revisit your P&C insurance at least every 1 – 2 years or when significant life events happen.

Some of these may include:

Buying or Selling Big Stuff

• New car, home, or expensive valuables? Make sure they're covered.

Moving or Renovating

• Your address and home features can affect rates and coverage needs.

Starting a Business or Side Hustle

• Even running a small biz from home might need extra protection.

Having Major Life Changes

• Marriage, divorce, kids, retirement — all of these can impact your risk profile and insurance needs.

Seeing Premium Spikes or Drops

• Big changes in your premium? Time to dig in and maybe shop around.

In short: it’s one of those things you hope you never need, but you’ll be really glad you have if something unexpected happens.

Please reach out any time with your questions — we are always happy to help!

Financial Steward Associates

303-444-5440

financial.steward@lpl.com

Add these team-curated summer songs to your playlists for BBQs, road trips, pool days, beach travel, playing in the sprinkler, or slow warm evenings watching the sunset while sipping lemonade on the porch. In our opinion, these are the most summery summer songs that ever summered!

This year, our team will lend a hand at the Harvest of Hope Pantry in Boulder, CO and will be closing the office early on Thursday, August 7th at 1:30 p.m. MDT.

Hope Pantry provides healthy supplemental food to Boulder families and individuals in need of food assistance within a safe, welcoming, and non-judgmental environment. We chose this organization because we want to help contribute to their goals:

• To provide a sense of hope to Boulder families and individuals by relieving the stress of food insecurity.
• To be a sustainable source of supplemental food to those in need.
• To provide an efficient outlet for the redistribution of food.

There are a limited number of extra slots available:

would you like to join us?

Who To Contact

Marion Steward, CFP®

for comprehensive Financial Planning, support with financial strategies and investment advice

Heather Williams, CFP®

for comprehensive Financial Planning, support with financial strategies and investment advice

Ned Meloni, CFP® CRPC®

for comprehensive Financial Planning, support with financial strategies and investment advice

Sid Smith, CFP®

for comprehensive Financial Planning, support with financial strategies and investment advice

Harmony Dunnick - Senior Client Service Associate

for opening new accounts and facilitating account transfers, coordinating contributions and withdrawals, and scheduling Financial Reviews

Christina Boykin - Operations and Office Manager

for answers on general information and special events  

Not sure who to contact? Email us at our general mailbox and we will direct you!

financial.steward@lpl.com

Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification mark CFP^® in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification mark.

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