New Year’s Greeting From Michael M. Silverman, CLU, ChFC, CIC
President & Ceo | Silver Lining Insurance Agency, Inc.
SCHEDULE YOUR YEAR-END INSURANCE REVIEW
In just one year, a lot can change in your life. Perhaps you bought a new car or house, changed careers or retired, got married, or had a child or a grandchild come into your life. We don’t always think about our insurance needs during these exciting times, but failure to make updates to your policies when your life situation changes can lead to gaps in coverage. That’s why we recommend an annual insurance review. Once a year, let’s spend a few moments together to make sure you have the correct coverages in place for you and your family. You do not want to keep coverages that you no longer need, and you especially do not want to be unaware that you’re not covered enough! Life changes and insurance changes go hand-in-hand.
DO YOU NEED CYBER LIABILITY INSURANCE?
As technology becomes more sophisticated and increasingly integrated into both our personal and professional lives, the risks that sensitive data could be compromised continue to rise. Businesses of all sizes face cyber risk and need to manage and mitigate risk both before and after a breach. The financial impact of a cyber-attack can be devastating to any business and includes data loss, employee downtime, and the cost of restoring operations. Theft of personal data, such as Social Security numbers and bank and credit card information, can have significant financial consequences for individuals. All our various devices, including computers, phones, and gaming devices, are susceptible to a cyber-attack that could be used to run up fraudulent charges, steal your identity, and block access to your personal information. There are many things you can do to protect yourself online, like creating strong passwords and using antivirus solutions, malware, and firewalls to block threats. Unfortunately,there is no guarantee that your business will be safe or that your personal information will not be shared or hacked. At SLIA, we understand the complexity of cyber threats as they relate to your business and your personal life.
Give us a call and we can schedule some time to talk. We look forward to answering your questions and putting the proper protections in place to safeguard you, your family, and your business.
With our best wishes for a happy, healthy & prosperous New Year! 🍾 🥂
Michael M. Silverman CLU, ChFC, CIC
President & CEO
Silver Lining Insurance Agency, Inc.
This month, my newsletter explores the following topics: How to beat inflation in 2021 How to get more financial aid for college Using RMDs when filing estimated taxes in retirement How to avoid individual retirement account deduction mistakes At this time of year, we look at our progress to find timely adjustments we… Continue reading Money Matters Newsletter
Every property owner is susceptible to flood damage and your current insurance probably doesn’t cover it. Yes, that sounds like a bold statement, but it’s also a fact. Unfortunately, many people are uninformed about flood risks. They think a flood won’t happen to them or they just feel that flood insurance isn’t worth it.… Continue reading Do You Need Flood Insurance?
This month, my newsletter explores the following topics: Strategies to deal with capital gains tax increases Avoid mistakes when inheriting a 401(k) or IRA 529 plan tips for grandparents saving for college Five of the worst assets to inherit The year-end will be here before we know it, so please contact me if… Continue reading Money Matters Newsletter
This month, my newsletter explores the following topics: Thirteen tax breaks for homeowners and home buyers Best ways to get tax-free retirement savings Fifteen ways to find money for an MBA What to do with… Continue reading Money Matters Newsletter
Dear Friends, It’s been a while since we last touched base. I hope you and your family are happy, healthy, and doing well. The past two years have been crazy and a lot has changed for me, both personally and professionally. I wanted to take a moment to fill you in. In 2020 I started… Continue reading Who Do You Trust?
This month, my newsletter explores the following topics: Everything you must know about “backdoor” Roth IRAs How to fix your credit score How families can negotiate for more college aid U.S. housing market’s inflation storm is coming As we enjoy the summer and start thinking… Continue reading Money Matters Newsletter
Dear Friends, It’s hard to believe that the beginning of the new school year is just around the corner! The weeks leading up to dropping your child off at college are full of checklists and preparation. It’s around this time that we start getting phone calls from parents. “My child is going… Continue reading Insurance Tips for Your College Student
Dear Friends, At Silver Lining Insurance Agency (SLIA), we value relationships. They truly mean everything to us. In fact, one of the things I love most about SLIA is that we are a relationship-based business. Yes, we offer a complete scope of personal and business insurance products, but the passion behind our business… Continue reading Relationships are Everything
This month, my newsletter explores the following topics: Strategy for maximizing your social security benefits Ten habits that drive your financial growth What is a SEP IRA? Is mortgage refinancing right for you? Please contact me if you would like to discuss your finances. What’s Your Strategy For Maximizing Your Social Security Benefits?… Continue reading Money Matters Newsletter