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Supreme Court Ruling Upholds Health Care Reform … Now What?

By a 5-4 vote, the Court held the mandate valid under Congress' constitutional authority "to lay and collect Taxes" to provide for "the general Welfare of the United States." The penalty for failing to carry insurance possesses "the essential feature of any tax," producing revenue for the government, Chief Justice

Executive Bonus Plans Considered

Running a successful business often depends on recruiting, rewarding, and retaining talented executives and key employees who are committed to the business owner’s goals. In addition to paying an attractive salary, the business owner must offer a competitive benefits package. Trouble is, government regulations make it difficult for employers to

Disability Income Insurance: What Every Dentist Needs to Know

When you educate your patients about the basics of preventative dentistry, you're not only showing them how to keep their smiles beautiful for life. You're also helping them avoid learning the hard way about the most common dental disasters – up to and including the loss of their teeth. But have

Are You a C-Corp looking for a Tax Deduction?

At some point in your life, either you or someone you love — a parent, your spouse, your spouse’s parent — may need assistance with activities of daily living such as dressing, bathing, eating, or moving from place to place, toileting and incontinence.  Whether it’s delivered at home or in

Life Insurance Reality Check: Do You Have Enough?

Life insurance is something that no one likes to think about.  All the same, 86% of Americans believe that life insurance is something most people need, and most of us have some.1 That’s the good news. The bad news is that most Americans don’t have enough. More than a third don’t

Hello from Brad in Los Osos

Insurance can be dynamic, multifaceted and complicated. My desire is to make it accessible to people, and easy to understand. I enjoy educating people and working together to develop a plan to meet their goals.