New Job, new benefits, new opportunities. Let us help!

In this era of the great reshuffling, you may find yourself starting to work at a new company. Whether you have made several job transitions or this is the first one, that first day of work can be stressful. In addition to figuring out the lay of the land at a new company, you will be given the opportunity to register for benefits.
We are happy to help! In addition to giving you advice about your retirement plans, we can talk with you about all your insurance coverage options. We are happy to help you with this because we understand that benefits are a huge part of an employment package and can be key to your long-term financial success.
Don’t miss important coverage options. One benefit that can easily be overlooked is long term disability (LTD) insurance. However, it provides a crucial benefit when it is needed. As a new hire, you will not be required to undergo medical screening before opting in for LTD insurance.
Some benefits may be unnecessary. For example, accidental death and dismemberment insurance is rarely worth the cost. Additionally, while we recommend that you accept life insurance paid for by your employer, if you are fully covered with a personal policy, it might not be worthwhile for you to pay for additional coverage. We can help you evaluate the options in light of your personal situation.
Retirement Accounts. Deciding how much to contribute to your new employer’s retirement plan, whether to make pre-tax or Roth contributions, and which investments to select can be confusing. We welcome the opportunity to help you with this.
Employee Stock Plans (ESPP’s, stock options, RSUs, etc.). Acquiring employer stock can be a valuable benefit, but it can also be very complicated. We can help you take advantage of any of these programs that may be available to you.
If your adult children are entering their careers and are getting benefits for the first time, they can contact us too. We are happy to help them navigate this very important task.
News of Ukraine: Like most of the world, we are saddened and horrified by the news of the invasion of Ukraine. We feel some conflict when talking about risks and opportunities of our portfolios when lives are at stake. Having said that, please know that, along with our asset management team, we are keeping an eye on how our investments are reacting. If you have questions or would talk of this, please do not hesitate to call us.  

Cass, Bleckley and Megan

**The first winner of our pet portrait contest is Harley Douglass Dzurenko, seen above. She is the dog of clients Jill Douglass and Steve Dzurenko. Cass has several more classes to go, so send in a close-up of your dog, cat or bird. Yes, we are painting birds! Colorfully yours, Cass

Looking for statements or tax documents? Visit our web page for links to Fidelity (for access to statements and tax documents) and to the Orion portal (for access to performance reports and billing statements): Watercolor Financial Group website

Watercolor Spotlight
Bleckley and Sharon Dobbs recently attended a fundraising gala for HeartGift. Sharon serves on the HeartGift board and both of them have been actively involved with the organization for years. In addition to seeing friends for the first time in a long time, the gala raised a lot of money for a very worthy cause.

Bleckley Dobbs, Cass Grange and Megan Poore provide advisory services through NWAM, LLC dba Northwest Asset Management, an SEC registered investment adviser. Watercolor Financial Group is not a registered investment adviser. Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements. This material is intended to provide general financial education and is not written or intended as tax or legal advice.