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Hello customers, family,  friends, business partners and associates!  We're pleased to start the New Year with you!  We're excited about all the new opportunities for our clients in 2017.  For example, our new partnership with John Hancock and Apple.  Where clients get free Apple Series 2 watches with their new life insurance policies as well as annual discounts for staying active and healthy.  Stay tuned for that!  Also, the potential new options that lie ahead in the health insurance world with our new administration.

This year I resolve to continue to exceed client expectations with exceptional personalized service.  How? by expanding our agency support and increasing our technology platforms to make things easy and accessible for all.  Also, if you have any suggestions as to how I can make my service more valuable to you, I'd love to hear them.  Here's to keeping all your 2017 resolutions, please let me know if I can be of any help.  Thank you for all your support, referrals and continued business.  I look forward to speaking with you soon!  I wish you and yours a wealth of health and happiness in the New Year!
Last Call: ACA Enrollment Period Ends January 31, 2017
The window on enrollment for Affordable Care Act (ACA) health insurance plans is closing fast. And if you're considering purchasing a plan, it's time to act. The health care coverage you choose is one of the most important decisions you make in your life. And the open enrollment period for the ACA ends January 31, 2017. If you miss it, well, you miss it: You won't be able to buy ACA coverage for 2018 on your state's health care marketplace until late 2017.

In the meantime, you may find yourself facing fines for being uninsured: the penalty for not obtaining coverage through a qualified health plan is significant. The ACA penalty for 2017 remains at 2.5% of total household adjusted gross income. If, however, special circumstances occur such as a job loss, you may qualify for coverage of up to 60 days after the job loss. A note of caution: Health insurance premiums have increased on average about 25% in the State of CA for 2017. We can help you decide on which plan works best for you and your family.  Some people use their insurance plans quite a bit, others seem to really never use it at all.  This is important in helping select a plan that is affordable.  For those individuals and families that quality for tax subsidies through the State exchange (Covered CA) we can help with those enrollments as well, but time is running out!

What My Clients Are Saying.....

"Tad-you're the BEST!! Thanks so much for turning everything around so quickly! I appreciate you making things so easy!"  Anna Taylor, President, A Taylor Designs, Inc

Keep the Family You Love In the Home They Love
"Thanks Tad!  So glad Greg referred me to you.  Always appreciate your fast responses.  No one is quicker or better! Really appreciate it!"  Bob & Gail Dunn, Owner, Surety Security Systems

24 Ways to Kickstart Your New Year

What are you going to do now to make sure you have your best year ever? What one thing will mean the difference in actually achieving your goals rather than chalking them up to yet another year's unfulfilled resolutions? Are you energized by this prospect? Or maybe a little overwhelmed? Then start small, focusing on just one thing you want to accomplish. This life is yours to make of it whatever you desire, so start now!  Here's 25 ideas to help make 2017 great.

1. Schedule a regular date night on your calendar with your spouse.
2. Write letters to three people in your life to let them know what they mean to you.
3. Start a business plan.
4. Make a commitment to fitness.
5. Find a volunteer opportunity at VolunteerMatch.org
6. Invest in a bright financial future.
7. Schedule all your Doctor and Dentist appointments for the year.
8. Write a personal mission statement.
9. Schedule family time.
10. Lose other people's opinions.
11. Find a mentor.
12. Reach my financial goals.
13. Get a whole new hairstyle or haircut.
14. Keep friends close.
15. Create an environment fostering your success.
16. Write your top 10 goals for this year and post them where you can see them.
17. Automate bill payments.
18. Do something that scares you.
19. Have gratitude.
20. Plan a trip to a place you've always wanted to go.
21. Refresh your network.
22. Reconnect with family
23. Stop smoking
24. Clean out your closet and donate unwanted clothes to charity.
Posted 3:53 PM

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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