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Planned Giving Topic of Workshop for Local Non-Profits

Allen Financial of Camden advisors and wealth managers Abraham Dugal and Sarah Ruef-Lindquist, JD, CTFA, were the featured speakers for United Midcoast Charities at Allen’s offices in Camden in early February. They spoke about issues surrounding how to grow endowments through planned giving, when donors seek to provide long-term support through gifts that can be more complex than cash or marketable securities.

Participant groups at the presentation included Trekkers, Wayfinder Schools, Watershed School, Waldo CAP, Belfast Soup Kitchen, Speaking Place, Pen Bay YMCA, Ripple Initiative, Rockland District Nursing Association, Ecology Learning Center, Knox County Homeless Coalition, Window Dressers, AIO, Big Brothers Big Sisters, and Coastal Children’s Museum.
Dugal and Ruef-Lindquist spoke about the policy foundations and recognition practices they view as necessary to have fiscally-sound and successful planned giving programs. Their backgrounds – hers as an attorney, financial and philanthropic advisor, trust officer – his as an investment manager – and both as board members contribute to their unique perspectives as advisors and fiduciaries and how they approach potential gifts through clients’ estate and financial planning.
Given the unprecedented intergenerational transfer of wealth taking place in the United States, and the projections for gifts to non-profit organizations during the next 30 to 40 years in the trillions of dollars, organizations are well-served to pay greater attention to this area of resource development to build their long-term financial sustainability.
The Financial Advisors of Allen and Insurance Financial are Registered Representatives and Investment Adviser Representatives with/and offer securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Allen Insurance and Financial, 31 Chestnut Street, Camden, ME 04843. 207-236-8376.

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Meet Our Medicare Team at the MidCoast Senior Expo

Join Jo-Ann Neal and Anna Moorman at the MidCoast Senior Expo, Friday, May 18 from 9 a.m. to 2 p.m. at the Elk’s Lodge, 210 Rankin Street in Rockland.
Jo-Ann and Anna  will be ready to answer questions about Medicare.  The event is expected to draw 32 exhibitors and is sponsored by Maine Senior Guide.
 

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We're Proud to Present Mario Vittone Speaking at Fundraiser for Maine Maritime Academy

Mario Vittone Poster 5/5/16A life at sea and in maritime safety will be the topic of a special presentation by Mario Vittone, a former U.S. Coast Guard rescue swimmer and marine safety expert, Thursday, May 5 at 7 p.m. at The Strand Theater in Rockland.
The event, “You Love the Ocean – It Doesn’t Love You Back: Thrilling stories and exciting tales designed to make your life on the water safe and survivable” is a fundraiser for scholarships at Maine Maritime Academy. Tickets are available at the Strand Theater box office or online at RocklandStrand.com.
Mario Vittone is a leading expert on immersion hypothermia, drowning, sea survival, and safety at sea. His writing has appeared in Yachting Magazine, SaltWater Sportsman, MotorBoating Magazine, Lifelines, On-Scene, and Reader’s Digest. He has developed courses for municipal rescue teams and the military on search and rescue tactics and open ocean survival. In 2007, he was named as the Coast Guard Active Duty Enlisted Person of the Year and was named as the 2009 recipient of the Alex Haley Award for Journalism.
“Given our long connection with marine businesses and our agency’s deep roots on Maine’s working waterfront, this event is a natural fit for our 150th year in business,” said Mike Pierce, president of Allen Insurance and Financial. “This event will be of interest to anyone with a professional or recreational interest in the sea, or a passion for the ocean.”
Allen Insurance and Financial is pleased to be working with Ocean Navigator Magazine, Professional Mariner Magazine and Maine Boats Homes & Harbors magazine as partners in this event.

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SYMPOSIUM: Managing Data Protection and Cyber Risk

On Wednesday, Oct. 2, 2013, Know Technology and Allen Insurance and Financial will host a morning symposium from 10 a.m.to noon at Machias Savings Bank in Brewer, Maine. Drawing on expertise from technology and insurance practices, the event will help CEO/CFO/CIO/COOs, and senior management, comprehensively understand data risks and learn best practices to protect business data from threats and loss. REGISTER ONLINE


Businesses of all sizes in every industry have a real reason to worry about the dangers of malicious code and web-based attacks on corporate and customer data.
There are two fronts on which to fight this battle: technology to keep the hackers out and insurance to protect assets should they be attacked. It’s the kind of battle that should not be fought alone.
Managing Data Protection and Cyber Risk is the topic of a free symposium for Maine businesses offered by Know Technology and Allen Insurance and Financial, Wednesday, Oct. 2, at 10 a.m., at Machias Savings Bank, Brewer, Maine.
“Today, businesses have very legitimate concerns on how to best secure their data,” said Steve Hand, Know Technology’s CEO. “From regulatory requirements to privacy laws, to simply the ease at which employees can intentionally or (worse) unintentionally let sensitive information out the door.”
“Our goal is to help business leaders understand the complexity of the situation and how to cost-effectively protect their data, which is often a core asset of their business,” said Hand. The seminar is free and open to the public. Sign up to attend here.
“Data breaches do happen. Insurance can help with a dedicated team to help cover the cost of lost business, data recovery and related legal or public relations challenges,” said Joanne Billington, business insurance specialist at Allen Insurance and Financial. “This kind of protection is as necessary today as any other step a smart business person would take to protect his or her assets.”
Presenters:
Stephen Hand, CEO and CTO, Know Technology
Bio
Know Technology is focused on delivering value to clients through Managed Services and Professional Service. Stephen is the company’s founder, and manages the IT Professional Services Division. In his role, he works with clients to develop the technology roadmap that enables their organization to focus on their mission instead of technology. Steve will discuss managing the supporting computing infrastructure to address data access, usage, storage and security.
Joanne Billington, Commercial Insurance Specialist, Allen Insurance and Financial
Bio
Allen Insurance and Financial provides independent insurance and financial planning services to businesses and families in Maine and around the world. In her role, Joanne works with municipalities, non-profits and technology-based businesses, meeting the challenge of making an invisible product visible. Joanne will discuss the ways insurance can assist businesses of all sizes with the cyber-exposure risks they face daily.
 
 

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Penobscot Bay Regional Chamber of Commerce Non Profit Seminar Series

A challenging economy. A competitive funding environment. It is now more important than ever for non-profit organizations to equip themselves with the tools needed to capture attention, support and donations in order to carry out their mission.
The Penobscot Bay Regional Chamber is excited to offer a new, free seminar series designed to tackle five big issues in the non-profit world: raising unrestricted funds from the business community and individuals; collaboration between organizations; board development; generating press and PR; and staging truly special events.
The seminars will be offered the second Wednesday of the month (starting Oct. 12) from 9:15 to 10:45 a.m. at the Rockland Public Library. They are open to all and will be free to attend (although a suggested donation of $5 per person to defray costs would be greatly appreciated by the Chamber, a fellow non-profit).
More information is available on the Pen Bay chamber website.

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Our Dan Wyman: Maine's Health Care Reform & Chamber Blue Options Insurance

Join Eric Jermyn from Anthem and Dan Wyman from Allen Insurance & Financial to learn more about the rapidly changing world of health insurance and how your Chamber Blue Options membership benefit might be the perfect solution for your business.
With the recent passage of Maine’s health insurance reform bill LD1313 and the ongoing reforms to health insurance at the Federal level through the 2010 Affordable Care Act, there’s no better time to learn about the state of the health insurance market and how to make benefits work for small and medium sized businesses as well as sole proprietors.
In partnership with the Maine State Chamber of Commerce, Anthem Blue Cross and Blue Shield developed “Chamber Blue Options” in 2007 as a chamber-members only program designed to help members of Maine’s many Chambers of Commerce access affordable insurance options for employees and owners alike.
For more than five years, an innovative collaboration between the Maine State Chamber of Commerce and Anthem Blue Cross and Blue Shield in Maine has enabled small businesses (groups 2-50 and self-employed) across the state to purchase health plans which were previously only available to larger employers. Combine that with a lower required eligible employee participation threshold (60% of eligible employees need to enroll vs. 75% for most other plans), along with wellness incentives, and the program has sustained momentum, enrolling approximately 3,500 members (representing about 500 small businesses) to date. Well worth noting, approximately 20% of those businesses were previously not offering health insurance to their employees.
Chamber BlueOptions, a joint offering of the Maine State Chamber of Commerce, local chambers and Anthem Blue Cross and Blue Shield in Maine, now provides employees of small businesses with a choice of eight health plans as well as a 3% premium discount for businesses from 15-50 employees enrolled who participate in a wellness program and achieve certain levels of activity.
This seminar is free. To register email Dan Bookham at email hidden; JavaScript is required or call 236-4404. Click to learn more about Dan Wyman.

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Free Seminar: A New and Progressive Way for Small- and Medium-Sized Businesses to Provide Medical Coverage to Their Employees

Allen Insurance and Financial is holding a seminar at Tuesday, Nov. 2 in Rockland to discuss a new and progressive way for small- and medium-sized businesses to provide medical coverage to their employees.
A new medical benefits product, MAINE HEALTH SAVER, a joint effort among Patient Advocates, LLC, Medical Network, Inc (MedNet), and ASG Risk Management, all Maine-owned and operated companies, will be introduced.
Bagels and coffee will be served. James Ward, president of Patient Advocates, LLC, Robert Hillman, CEO of Maine Medical Network (MedNet), and Gardner Roberts, director of marketing for ASG Risk Management will be on hand to discuss this new product that:
• Offers employers the opportunity to get money back if claims are lower than expected.
• Levels the playing field to allow smaller employers many of the advantages enjoyed by larger companies.
• Uses state of the art plan design strategies to incent the use of lower cost, center of excellence facilities and incents employers to invest in a healthy workforce.
• Assists employees with medical and insurance questions through a Maine-based nursing hotline, arranges appointments and makes travel arrangements when complicated medical care is required.
• Provides chronic disease management by serving as an advocate for medical care and discusses medical findings and quality treatment options for your critically ill employees.
“We’re looking forward to talking with our Midcoast business neighbors about how they can take back some control over the high cost of providing medical care to their employees,” said Sherree Craig, Insured Benefits Manager at Allen Insurance and Financial.
The seminar begins at 8 a.m. at the Maine Lighthouse Museum on Park Drive in Rockland. Attendees are asked to call or email to reserve their seat at the table for this seminar. Sherree Craig can be reached at email hidden; JavaScript is required or 236-8376.