"Helping Build Wealth" Since 1991
HBW Agency of Tammy & Brian Neff
Agency Vice Presidents
HBW Agency of Tammy & Brian Neff
Agency Vice Presidents
COPING WITH A JOB LOSS
Job losses are occurring on a daily basis here in the United States. You often hear on the news of companies that
are being downsized, sold or eliminated. Many jobs are being sent overseas due to the increase in globalization of
the world economy. Some small communities are able to save the jobs lost during a buyout, as long as the
acquiring company stays in the community. The average family is not prepared to deal with a job loss or a major
medical incident. Are you? Ask yourself these questions:
First, “How long could you sustain your current standard of living today, If you lost your job tomorrow?”
The average family in the U.S. does not have enough savings currently to maintain their lifestyle during a job loss, for even 30 days. We
are currently at a negative savings rate across the United States. Most people spend more time planning their “Summer Vacation” than
they do their savings.
Next, “What available options do I have in my benefit package, Health, Retirement, and Pension plans, if I lose my
job?”
The average worker hasn’t spoken with his or her benefits representative since the plan was first set up. Most don’t know what is available
during a job loss when they are forced to make drastic decisions. Proper planning in this area will eliminate a lot of stress during these
difficult times.
Third, “Where do I go after losing my job?”
Most people dealing with job losses stay in the same profession because this is all they know. Some search the papers for “anyone” that is
hiring TODAY. Many start their own businesses.
I personally was faced with "all of the above" when I lost my job of 15 years, a few years ago. My job loss wasn’t due to a layoff or merger,
instead it was due to a major medical issue. After recovering, I wondered “How many people across the U.S., don’t have any plan in
place to cover all the issues above?,” whether due to a medical emergency or a job loss.
This is the “WHY” behind our agency. We have created an Agency of Like-Minded Professionals to assist the
underserved families across the United States. We assist them in developing their “Plan of Action” before the need
arises. We took a life event and turned it into our successful nationwide “Helping Build Wealth” Agency.
YOUR COMPLIMENTARY "PLAN OF ACTION"
Each of our clients will receive a complimentary, customized financial "Needs
Analysis" based on their current and future needs. The plan will entail the following;
GET YOUR CUSTOMIZED REPORT BY CONTACTING US TODAY
Job losses are occurring on a daily basis here in the United States. You often hear on the news of companies that
are being downsized, sold or eliminated. Many jobs are being sent overseas due to the increase in globalization of
the world economy. Some small communities are able to save the jobs lost during a buyout, as long as the
acquiring company stays in the community. The average family is not prepared to deal with a job loss or a major
medical incident. Are you? Ask yourself these questions:
First, “How long could you sustain your current standard of living today, If you lost your job tomorrow?”
The average family in the U.S. does not have enough savings currently to maintain their lifestyle during a job loss, for even 30 days. We
are currently at a negative savings rate across the United States. Most people spend more time planning their “Summer Vacation” than
they do their savings.
Next, “What available options do I have in my benefit package, Health, Retirement, and Pension plans, if I lose my
job?”
The average worker hasn’t spoken with his or her benefits representative since the plan was first set up. Most don’t know what is available
during a job loss when they are forced to make drastic decisions. Proper planning in this area will eliminate a lot of stress during these
difficult times.
Third, “Where do I go after losing my job?”
Most people dealing with job losses stay in the same profession because this is all they know. Some search the papers for “anyone” that is
hiring TODAY. Many start their own businesses.
I personally was faced with "all of the above" when I lost my job of 15 years, a few years ago. My job loss wasn’t due to a layoff or merger,
instead it was due to a major medical issue. After recovering, I wondered “How many people across the U.S., don’t have any plan in
place to cover all the issues above?,” whether due to a medical emergency or a job loss.
This is the “WHY” behind our agency. We have created an Agency of Like-Minded Professionals to assist the
underserved families across the United States. We assist them in developing their “Plan of Action” before the need
arises. We took a life event and turned it into our successful nationwide “Helping Build Wealth” Agency.
YOUR COMPLIMENTARY "PLAN OF ACTION"
Each of our clients will receive a complimentary, customized financial "Needs
Analysis" based on their current and future needs. The plan will entail the following;
- Establish Financial Goals: This encourages the expression of concerns, hopes and goals, and assists in quantifying those goals
and establishing timelines. - Gather Relevant Data: Both objective and subjective information is gathered. This also encompasses the review of tax returns and
other relevant documents. - Analysis of the Data: Detailed analysis identifies the strengths and weaknesses of the current plan. A computer analysis is often
useful for independent review of the strictly numeric aspects. - Development of a Plan: This encompasses the development and recommendation of alternative strategies.
- Review and Implementation of the Plan: This involves a detailed review of the current plan, as well as implementation of
recommended changes. - Periodic Review of the Plan: Once implemented, periodic monitoring of the performance of financial vehicles relative to then-
current life cycle or lifestyle changes must be conducted.
GET YOUR CUSTOMIZED REPORT BY CONTACTING US TODAY
Things to Do:
* Review Health Care
provisions that are
available , immediately.
* Review Pension and
401k Plans.
* Form a Game Plan to
write a detailed budget.
Prioritize your expenses.
* Consider a Complete
Career change if your
industry is being
downsized.
* Review Health Care
provisions that are
available , immediately.
* Review Pension and
401k Plans.
* Form a Game Plan to
write a detailed budget.
Prioritize your expenses.
* Consider a Complete
Career change if your
industry is being
downsized.
| Free Financial Report 401k Rollover Health Care Insurance Budget |
Although this agency is a part of the HBW Insurance & Financial Services, Inc. marketing system, it is a separate and independent agency. If
you are interested in starting your own agency with us, contact us at www.HBWAgency.com or 1-866-400-2810.
you are interested in starting your own agency with us, contact us at www.HBWAgency.com or 1-866-400-2810.
Your 2008 Insurance Agency
Opportunity Begins Here ---->
Opportunity Begins Here ---->
Hours of Operation: Monday - Friday 9:00 a.m. - 5:00 p.m. 1-866-400-2810 Tammy & Brian Neff Toll-Free 1-866-400-2810 Fax 1-570-694-0757 |
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