Welcome!
 

We have proudly updated our website to provide maximum informational value to our clients and friends!  Our goal is to provide important information regarding the insurance side of our business, and meaningful, educational information regarding investing and the economy.  The economic data will be updated quarterly, so please visit us regularly.  We believe that this website can be used as a resource and to initiate dialogue on many topics.  Finally, we would like to thank our many business partners who allowed us to use their educational materials.

Please see some of our new pages below:

 

Client Login: For those of you who have investment accounts with us, please click on the "Client Login" page and create a user ID and password (please note this is a secure site).

If you are a client of Barry Moschel, your temporary password will be the word "values".

If you are a client of John Ghan, your temporary password will be the word "planning".

Click here for the client login screen.  Then click on "Registration" and follow the prompts.
Calculators

Net Worth

A balance sheet summarizes your assets and liabilities and reveals your net worth.

Lease Payment

How much would your monthly lease payment be?

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

More Calculators →

Newsletters

ETFs for the Conservative Investor

The number of exchange-traded funds has grown rapidly in the last decade. Total ETF assets exceeded $1 trillion in March 2011, an increase of more than $200 million over the previous year. This article explains the potential benefits of ETFs and why some of them might appeal to the risk-averse.

When Key Players Can't Work

If a company is a two-owner business or its success relies on a few key players, key-person life or disability insurance could possibly offset the risk that the premature disability or death of a major contributor could ruin its future prospects.

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

More Newsletters →