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P.O. Box 1411 Bismarck, ND 58502-1411



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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