June 2013 Newsletter

Planning Your Financial Future June 2013
April showers bring May flowers.  Finally, the weather is acting like Spring!  Warm breezes and bright sunshine.  For those taking a vacation this year, enjoy yourselves, relax, and take some time to unplug!
Creative Ways to Help Small Businesses Thrive
In today’s economic environment, small businesses of all types are discovering ingenious ways to cut costs, improve efficiencies, and thrive. From urban jungles to rural farmlands, business owners are stretching outside their traditional boxes for ways to stay afloat.
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Coordinating Social Security Benefits with Other Retirement Assets
Social Security probably won’t meet all of your retirement income needs, so you’ll have to factor in other retirement assets as well.
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Financial Planning When You Have a Chronic Illness
When you live with a chronic illness, you need to confront both the day-to-day and long-term financial implications of that illness. Talking openly about your health can be hard, but sharing your questions and challenges with those that can help you is extremely important, because recommendations can be better tailored to your needs.
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I’m a military member. What is USERRA?
As a member of the U.S. Armed Forces, you may be concerned about your rights to employment or re-employment upon completion of your military service. The Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA) makes it illegal for an employer to discriminate against hiring (or rehiring) someone because he or she has been and/or may be obligated to serve within the uniformed services.
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How does USERRA impact my retirement benefits?
Generally, if you’re a member of the armed forces, your period of service is less than 5 years, and you return to work within specified time frames, you have certain rights under the Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA). Among other protections, the Act provides that your benefits under most employer retirement plans must continue to accrue during your military service.
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