HOW MUCH IS IT GOING TO COST?                         Health Insurance



That is typically the first question I am asked by business owners, when considering offering health benefits to their employees. With the many changes in healthcare, and the employer mandates, I find most employers want to be compliant, however, offering an affordable healthcare package is important.

Many employers contribute a percentage of premiums, which requires a minimum of 50% employer contribution of employee only premium.   Percentage of premium, is a little more volatile when planning your budget, your contributions will increase as the premiums increase each year at renewal.

Another employer option is a defined contribution. Defined contribution is where the employer’s contribution is a flat dollar amount for each employee.   For example, the employer’s contribution is $200 per employee, the employee chooses a health plan that cost $400, the employee would have $200 from the employer, the employee’s responsibility would be $200, which would be payroll deducted.

If your employees pay a portion of their premium, don’t forget to have a Section 125 POP plan in place, this allows the employees portion of the premium to be deducted pre-tax , which lowers their taxable income, an in turn provides a saving on the employer’s Work Comp rates.

If you are interested in getting more detail on defined contribution, give Sky Financial & Insurance Services, to get more information. 916-540-7000

Deep thoughts by Jenny Ebinger


Building a company around relationships and integrity

As 2014 comes to a close and we prepare for the New Year and all the planning and excitement that comes with it.  I would like to take this time to reflect on this past year, where we were as a company, and the direction we see our company going.  For those that know us closely, know of the journey we traveled to get to this glorious point.  Our corporate restructuring, the rebranding of our agency name that complements our focus, and the rebuilding of a strong team.   We are building a company of substance and integrity. Every move was a calculated one, which moved us in the direction of becoming the company we can be proud of.  One that is built on integrity, trust and relationships that last.

In business, especially our industry,  trust and integrity are words that are often thrown around but hardly delivered on.  For us, it is centered at the core of our company and culture. As we transition into 2015 every decision we make, will be made with integrity.  Our goal is to make your experience with our agency, an exceptional experience when doing business with us.   We want to be the agency you turn to help protect your biggest assets, and the things that matter most to you, while building lasting relationships along the way.   We want to help you build your financial roadmap and guide you along your journey.

For us this is more than a job, it is a passion that we take pride in.  We care about what we do and strive to be better every day.   2014 was an amazing year, and the journey that brought us to this point was well worth it.  As we enter into 2015, we are stronger and better than ever.  We are looking forward to what the coming year has in store.  We thank everyone for the amazing support and continued trust.  You are what drive us and we are honored to serve you.

Our mission Statement:

“To inspire our clients to invest in their future by protecting what’s most important. Through education and guidance, we provide the financial tools to help navigate through life’s changing needs, while building lasting relationships along the way.”