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Dice Financial Services Group

1716 N. Sanborn Blvd, PO Box 790

Mitchell, SD 57301


Phone:     605-996-7171

Toll Free: 800-658-3603


Website: www.dicefinancial.com

September/October 2021

Tailor Fit Your Benefits

Open enrollment gives you the opportunity to review the benefits your employer will offer in the coming year. It’s important to look at all your options and make selections based on your current needs.

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Reward Employees

Employee incentive programs encourage excellence and promote worker loyalty that can help your company reach its business goals. As a small business, you may have to limit the number of incentives you offer, so it’s important to know what employees value most.

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No Place Like Home

Thinking about buying a house? Here’s what you need to know.

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Diversify to Calm Your Nerves

You don’t have a crystal ball, but you do have one tool in your financial toolbox that can help cushion your portfolio against any market fluctuations: Diversification.*

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RMDs: Know the Rules

Whether you’ve already begun taking required minimum distributions (RMDs) from your retirement accounts, or you’re just about to begin, consulting your financial professional to make sure that you understand the rules that govern these accounts will help you avoid costly mistakes.

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Ladder Annuities can Provide a Steady Income

Are you seeking an investment that provides guaranteed income in retirement? You might want to consider immediate annuities.

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Create an Emergency Plan

Natural or human-made disasters don’t wait for you to prepare for them. They could happen at any time.

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Prepare a "Go Kit"

If you're forced to evacuate your home quickly, having everything you need packed can save precious minutes.

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Millennials: Shore Up Your Finances

Falling behind when it comes to saving money? The good news is you still have time to play catchup. Here are some moves that can help you get your finances to a better place.

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Hiring When Your Budget's Tight

If your business’s profits declined during the pandemic you may be looking for ways to build momentum. This may involve hiring new employees. The challenge is to obtain the expertise that your business needs in the most cost-efficient way possible. Hiring an older worker may be the answer.

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Securities offered through: Royal Alliance Associates, Inc. [ RAA], Member FINRA/SIPC. Insurance Services offered through Dice Financial Services Group. Advisory services offered through Dice Financial Investment Advisory, a registered investment advisor. 
Thomas J. Dice, Jerauld Garry, Michael LeBrun, Jacquelyn Johnson, and Jesse Tolsma are registered representatives of and offer securities products and services through RAA. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, MN, MO, MT, NC, ND, NE, NY, OK, OR, SC, TX, UT, VA, WA, WI, and WY.  No offers may be made or accepted from any resident outside the specific states referenced.
Thomas J. Dice, Jerauld Garry, Michael LeBrun, Jacquelyn Johnson, and Jesse Tolsma are also separately registered as investment advisor representatives under Dice Financial Investment Advisory, a registered investment adviser, offering advisory services in the state of SD.
Thomas Dice offers additional investment advisory services through RAA.
Fixed and/or Traditional Insurance Services offered through Dice Financial Services Group.
Listed entities are not affiliated.
The broker-dealer [BD], investment advisor, BD agent or investment advisory [IA] rep in question may only transact business in a state if first registered, excluded or exempted from state broker-dealer, investment advisor, BD agent or IA rep registration requirements, as may be; and follow-up, individualized responses to persons in a state by such broker dealer, investment adviser, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as may be, will not be made absent compliance with state broker-dealer, investment adviser, BD agent or IA rep registration requirements, or an applicable exemption or exclusion. For information concerning the licensure status or disciplinary history of a broker/dealer, investment advisor, BD agent or IA representative, a consumer should contact his or her stated securities law administrator. For securities information a consumer may also contact the Financial Industry Regulatory Authority (FINRA) at the following toll-free number: (800) 289-9999 or their web address www.finra.org. 

  Dice Financial Services Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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