Interest rates are incredibly low... Although I'm sure you already aware of this, the challenge financial advisors face is where to invest cash. Leaving cash in a bank seems like a good choice, it's safe, but that's not going to keep pace with inflation.  Some estimates put inflation at 5%-6%, which means for every $100,000 earning 0% interest will lose $5,000-$6000 in purchasing power. This in not a good situation.

In this episode we will explore the the options to investing cash and what we see working. Not all accounts are created equally. Here are the types of account we will discuss and a few strategies working in todays low interest rate environment.

• Savings Account
• Money Market
• Short Term Government Bond Fund
• Short Term Corporate bond fund
• CD’s
• Insurance Contract’s

As always, if you want to see if these strategies work for you, feel free to reach out.

Terry can be found by calling 800-377-4027.  Thanks for subscribing and feel free to check out our website at www.frsinvestmentadvisors.com

This episode is a masterclass and dedicated to answering the questions regarding HR for small businesses. It's typical for a small business owner to overlook this key area as they grow, which can lead to some very costly mistakes. We not only cover the 8 HR issues a business needs to tackle, but include stories to bring these issues to life. Terry Martine interviews Doug Murphy from Paychex who services the industry and has practically seen it all.

• Employee Paperwork
• Employee Handbook
• Required Posters
• Hiring Process
• Performance Reviews
• Employee Development & Training
• Employee Recognition
• Employee Benefits

Feel free to give us a call if you have any questions.

This content is provided with the understanding that neither presenter are rendering legal advice or other professional services. Employers must consult with legal counsel for advice regarding their organization's compliance with applicable laws in their respective states.
https://www.smallbusinessria.com/

What is income Planning? In this weeks episode Terry talks about the simple trick he shares with his retirement income planning clients. It's amazing how simple income planning can be.... it all comes down to a simple number which is 300. Knowing this simple trick can help you tremendously in this short little 10 minute podcast. If you have questions after listening to the podcast we would be happy to explain.  Terry can be found by calling 800-377-4027.  Thanks for subscribing and feel free to check out our website at www.frsinvestmentadvisors.com