Ep. 55 – Securing Your Company’s Future: Financial Planning for Business Owners with Melissa Yano
In this episode, Melissa Yano joins us to discuss financial planning for small and medium-sized business owners and sheds light on planning and securing businesses’ financial future. Melissa is the President of Capital Wealth Planner and a seasoned financial planner and advisor with almost two decades of experience in the field. She combines her vast technical […]
Understanding Your Options for Ancillary Dental Coverage During National Dental Hygiene Month
October marks National Dental Hygiene Month—a perfect time to focus on maintaining your oral health. For Medicare beneficiaries, understanding which dental services are covered by Medicare and where additional coverage might be necessary is key to overall well-being. This blog will explain what Medicare does and doesn’t cover for dental care and explore your options […]
Discover How Our Executive Benefit Review Can Help You
Ensuring comprehensive executive benefits is crucial for attracting and retaining top talent. However, many businesses overlook key areas, leading to gaps in coverage that can leave executives financially vulnerable. At Ornellas and Associates, we specialize in helping companies identify these gaps and provide tailored solutions, including life insurance, long-term disability (LTD), and long-term care (LTC) coverage. By offering robust benefits packages, businesses can safeguard their executives’ financial well-being while enhancing job satisfaction and loyalty. Learn how to strengthen your executive benefits program and protect your team from unforeseen risks.
Breast Cancer Awareness Month: How Medicare Supports Preventive Services
October is Breast Cancer Awareness Month, a time dedicated to raising awareness about breast cancer and the importance of early detection. For Medicare beneficiaries, understanding available preventive services can make a significant difference in maintaining health and well-being. Breast Cancer Screening and Medicare Coverage Medicare provides coverage for essential preventive services, including breast cancer screenings. […]
Life Insurance: A Crucial Tool for Protecting Your Business and Ensuring Continuity
In the complex world of business, maintaining financial stability and safeguarding assets is essential for long-term success. Yet, many business owners overlook one key element of financial planning—life insurance. While often thought of as a personal safety net, life insurance is a powerful tool for protecting your business and ensuring continuity in the face of […]
Is Your Business Growing Faster Than You Can Keep Up? The Importance of Reviewing Life Insurance for Key Person and Buy-Sell Agreements
As a business owner, rapid growth is often both a thrilling and challenging experience. However, with that growth comes new responsibilities—especially when it comes to protecting the future of your business. One of the most overlooked aspects of this protection is regularly reviewing your life insurance policies, particularly those tied to key person insurance and […]
Ep. 53 – Medicare’s New Rules. Understanding the 2025 ANOC Letter with Rosamaria Marrujo
In this episode, Rosamaria Marrujo explains what you should pay attention to as soon as you put your hands in the ANOC letter. Rosamaria is an expert in Medicare, an advocate for beneficial legislative changes in Medicare, and the Founder and CEO of Trusted American Insurance Agency.
What to Expect in Your Medicare Annual Notice of Change (ANOC) for 2025
As we head into the 2025 Medicare season, you’ll be receiving your Medicare Annual Notice of Change (ANOC). This letter brings important updates about your plan, including changes to coverage, costs, and provider networks. Let’s walk through what to look out for and how to make sure your plan continues to fit your healthcare needs. […]
Don’t Let an Accident Derail Your Career: The Importance of Long-Term Disability Insurance
In the world of professional careers, uncertainty can lurk around every corner. For many individuals, particularly those in physically demanding or high-stakes occupations, the risk of suddenly becoming unable to work due to injury or illness is a serious concern. This is where long-term disability (LTD) insurance comes into play. It serves as a crucial […]
Buy/Sell Agreements: Secure Your Legacy
In today’s complex business landscape, ensuring the protection of your business and your legacy is crucial. A well-crafted buy/sell agreement is a powerful tool for achieving this, whether you run a family business, a partnership, or a privately held company. These agreements outline the terms for handling an owner’s shares in cases of unexpected events […]