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Investing in Community: P.A.W.S Animal Adoption Center

 Pictured here, from left, are Joelle Albury, P.A.W.S. Director of Development, Karen Reed, Allen Insurance and Financial and Amie Hutchison, P.A.W.S. Executive Director.

Pictured here, from left, are Joelle Albury, P.A.W.S. Director of Development, Karen Reed, Allen Insurance and Financial and Amie Hutchison, P.A.W.S. Executive Director.

Allen Insurance and Financial has made a donation in support of the P.A.W.S. Animal Adoption Center’s capital campaign for the organization’s new home on John Street in Camden.
“Allen Insurance and Financial is a longtime supporter of P.A.W.S.,” commented Amie Hutchison, Executive Director of P.A.W.S.  “We are grateful for their help with our Capital Campaign.”
P.A.W.S. Animal Adoption Center provides a safe, caring environment for homeless and abandoned dogs and cats until they can be placed with loving families. P.A.W.S. serves the towns of Camden, Rockport, Lincolnville, Belfast, Northport, Searsmont, Liberty, Islesboro and Swanville. For more information about P.A.W.S. and its Forever-Home Capital Campaign visit the center at 146 Camden Street in Rockport or www.pawsadoption.org.
Allen Insurance and Financial is an personal and business insurance, employee benefits, and financial services agency  with offices in Rockland, Camden, Belfast and Southwest Harbor. In 2014, the company is proudly celebrating 25 years of employee ownership.

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Partnering with Penobscot Bay YMCA on Capital Development Project in Rockland


From left: Bailey Curtis, Bob Fernald, president and publisher, Down East Enterprise; Jim Butler, VP Operations Downeast Enterprise and Y Board member; Leslie Eaton, YMCA Board President; Andy Clement, Business Unit Manager, Fisher Engineering; Tyler Jones, Donations Committee, Fisher Engineering; Karen Reed, Business Insurance Specialist, Allen Insurance and Financial; Mike Dufour, Executive Vice President, Allen Insurance and Financial; Jeanne Rimm, Chief Financial Officer, SteelPro; Bill Leone, Y Board member; Barrett Brown, President, CedarWorks; Troy Curtis, YMCA Executive Director and Bryce Curtis.

Local businesses and individuals are joining the Penobscot Bay YMCA in its drive to bring programs and services to southern Knox County.
By donating to the Y’s $300,000 financial development campaign for a satellite facility in Rockland, these contributors are generating funds from an anonymous $100,000 matching opportunity.
Several local business people, mindful of the benefits the new program center will bring to the region have joined with YMCA board members and other volunteers in a Rockland Program Center Task Force to donate funds themselves and encourage others to do the same. Volunteers serving on the task force include Dan Bookham, Jim Butler, Andrew Clement, Jim Nelson, Bill Leone, Pen Bay Y Executive Director Troy Curtis, and Y Board President Leslie Eaton.
Eaton, a local business owner, commented on the importance of volunteer leadership:
“The Penobscot Bay YMCA and this community are fortunate to have individuals who are willing to volunteer their time to ask others to financially support projects, such as the new Rockland Program Center. Without their dedication and support, it would be difficult to move these projects forward.”
The planned program center at 12 Water Street will include a fitness center, indoor and outdoor exercise areas and a childcare center. Programs to be offered include day care for infants through preschoolers, after-school programming for school age children, and senior exercise offerings, along with the LIVESTRONG® at the YMCA wellness program for cancer survivors. The center is designed to make Y activities more accessible to Southern Knox County residents.
Clement, who is business unit manager at Fisher Engineering in Rockland, noted the importance of the Y’s child care. “The Pen Bay Y childcare program in will provide working families in Rockland an affordable option,” said Clement. “Everything from infant care to after-school programing will be available right in town.”
Allen Insurance and Financial President Michael Pierce, whose company was an early contributor to the campaign, emphasized the Pen Bay Y’s exceptional reputation with health and wellness programs. “The Y’s expansion into Southern Knox County should give many more people access to activities that promote a healthier lifestyle,” said Pierce.
Alvin Chase, co-owner of Eastern Tire, understands the value of community service. “The Pen Bay Y’s expansion into the Rockland area reinforces the organization’s desire to serve everyone in and around Knox County,” said Chase, explaining his company’s early support of this fundraising drive. “Current members of the Y will benefit from the newest location as well, since it will bring some programs and services closer to them.”
Down East Enterprise is another of the businesses to make an early commitment. Said President and CEO Bob Fernald, “The Pen Bay YMCA makes a difference in countless lives, and the Rockland Program Center will only add to that good work. We’re thrilled to be a part of the effort.”
To join the partnership program contact YMCA Executive Director Troy Curtis at 236-3375.

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Supporting Waldo CAP’s Heroes 4 Hunger

Waldo Community Action Partners recently received a donation from Allen Insurance and Financial, with the funds going to toward WCAP’s Heroes 4 Hunger program, a program rooted in WCAP’s Thanksgiving and Christmas holiday food box projects.
Those holiday projects are still held annually, with Heroes 4 Hunger expanding the agency’s reach to address food insecurity and obesity in Waldo County year-round using various avenues for opportunity, such as community education and advocacy.
The Heroes 4 Hunger program is an excellent fit with Allen Insurance and Financial’s emphasis on employee wellness and wellness programs for the agency’s health insurance clients.
A multi-service agency serving Waldo County since 1965, WCAP is the largest provider of low-cost and free transportation and early childhood education in Waldo County.
Pictured here are, from left, Keith Small, WCAP executive director and Richard Crossman of Allen Insurance and Financial.

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Supporting the Penobscot Bay YMCA's Healthy Kids Day

Troy Curtis of the Penobscot Bay YMCA, left, and Dan Wyman of Allen Insurance and Financial

Allen Insurance and Financial and Harvard Pilgrim Health Care are pleased to sponsor the 2013 Healthy Kids Day at the Penobscot Bay YMCA in Rockport.

“Healthy kids and healthy communities are at the heart of this partnership,” said Dan Wyman, employee benefits manager at Allen Insurance and Financial, pictured here with Troy Curtis, Executive Director at the Penobscot Bay YMCA.

YMCA Healthy Kids Day, set for April 27, from 10 a.m. to 2 p.m. at the Penobscot Bay YMCA in Rockport, is a day of free events and active play designed to encourage children and their families to try new and fun activities. YMCA Healthy Kids Day is celebrated nationwide at more than 1,700 YMCAs.
Harvard Pilgrim Health Care is a not-for-profit health plan serving more than one million members in New England. Founded in 1969, the health plan has built its reputation on pragmatic innovation with a goal of lowering costs, improving care and enhancing the overall member experience.  Harvard Pilgrim is known for its excellent clinical programs, customer service, health improvement strategies and innovative tools that offer consumers greater transparency and empower them to make better decisions about their health care.  Ranked as the top private health plan in America for nine consecutive year by the National Committee for Quality Assurance, Harvard Pilgrim says: ” Count Us In” to the members and communities it serves.




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Supporting the Rockland Public Library

Allen Insurance and Financial recently made a donation to the Rockland Public Library Endowment Association. Pictured here are Kit Stone, president, RPLEA, and Meesha Luce, personal insurance specialist from Allen Insurance and Financial’s Rockland office. RPLEA raises funds for both the current and long-term needs of the library.

Kit Stone, left, and Meesha Luce

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Builders Alliance Focuses on Affordable Care Act

Dan Wyman Dan Wyman, Insured Benefits Manager at Allen Insurance and Financial, will be the guest speaker at the Maine Contractors & Builders Alliance Lincoln County meeting on Wednesday, March 13.  Dan will focus on the Affordable Care Act and what it means for alliance members.

The meeting begins at 5:30 p.m. at Montsweag Road House in Woolwich. Cost is $25 for members and $35 for non-members. RSVP with meal choice (chicken, steak or fish) to Lisa at I&S Insulation: email hidden; JavaScript is required

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Supporting Waldo Community Action Partners

Richard Crossman, left, and Keith Small.

Allen Insurance and Financial recently made a donation to Waldo Community Action Partners, with the money going toward the completion of the installation of energy efficient windows at the Belfast Head Start Center on High Street. Pictured here are Business Insurance Specialist Richard Crossman of Allen Insurance and Financial and Keith Small, executive director of WCAP.

A multi-service agency serving Waldo County since 1965, WCAP is the largest provider of low-cost and free transportation and early childhood education in Waldo County. Allen Insurance and Financial, an independent agency providing insurance and financial planning services, has offices in Rockland, Camden and SouthwestHarbor.

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Mallory Follett Presents to Camden Club About Her Rotary Leadership Experience

Earlier this week Mallory Follett, a commercial insurance processor in our Camden office, gave a presentation to the Camden Rotary Club about her experience with the Rotary Young Leadership Awards program. Says Mallory: “I was very nervous at first, but once I looked up and saw some familiar, and all smiling faces, my nerves were calmed.  I felt pretty good about my presentation after all was said and done.” 

Mallory Follett and Jim Bowditch, Camden Rotary Club President
“RYLA means something different for everyone. For me, RYLA was an eye opening experience that got me out of my comfort zone, and thinking about my role not only in the community, but the world.

“I admit, I was apprehensive at first, but once I arrived and saw all the smiling faces, I knew it would be an unforgettable weekend.

“RYLA helps you to discover your true potential and develop the skills needed to be a positive and effective leader in your community, career, and everyday life.

“Through RYLA I developed stronger teambuilding and leadership skills, as well as self esteem and self confidence.

“I learned that if you establish a goal and take steps towards accomplishing that goal, anything is possible. I also learned that being a leader includes being a follower, a listener, a volunteer, even a friend. I know that I would not be the person and leader I am today if it had not been for my experience at RYLA.

“I can honestly say that I learned more in one weekend at RYLA than I ever expected.  I encourage people to become more familiar with RYLA and what it really is. In a world of clichés, we hear the phrase “life-changing experience” far too often, but RYLA really is.”

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Learn More About New Law Redefinining 'Independent Contractor'

A new Maine law clarifies the conditions under which a worker should be classified as an employee or as an independent contractor. It also applies the independent contractor standard uniformly across unemployment, wage and hour, and worker’s compensation laws.
The Maine Contractors and Builders Alliance is holding an informational meeting about the new law on Wednesday, Jan. 16 at 5:30 p.m. at Graffam Brothers Harborside Restaurant in Camden at 5:30 p.m. Call 593-0864 to reserve a spot.
Here is a link to the Maine.gov website about the new law:

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Year-End Charitable Giving

As the holiday season approaches, with the end of one year and the start of another, we pause to give thanks for our blessings and the people in our lives. It is also a time when charitable giving often comes to mind. Charitable giving can be enhanced using income tax deductions, and so it can be much more effective when it is included as part of year-end tax planning.


Assume you are considering making a charitable gift equal to the sum of $1,000 plus the income taxes you save with the charitable deduction. With a 28% tax rate, you might be able to give $1,389 to charity ($1,389 x 28% = $389 taxes saved). On the other hand, with a 35% tax rate, you might be able to give $1,538 to charity ($1,538 x 35% = $538 taxes saved).

Hurricane Sandy relief
The IRS cautions people wishing to make disaster-related charitable donations to be aware of possible scams relating to Hurricane Sandy. Be sure to deal with recognized charities, and be wary of charities with similar sounding names. It is common for scam artists to impersonate charities using bogus websites, and through contact involving e-mails, telephone, social media, and in-person solicitations. Check out the charity on the IRS website, www.irs.gov, using the search feature, Exempt Organizations Select Check. And don’t give or send cash; contribute by check or credit card.

Tax deduction for charitable gifts
If you itemize deductions on your income tax return, you can generally deduct your gifts to qualified charities. However, the amount of your deduction may be limited to certain percentages of your adjusted gross income (AGI). For example, your deduction for gifts of cash to public charities are generally limited to 50 percent of your AGI for the year, and other gifts to charity may be limited to 30 percent or 20 percent of your AGI. Disallowed charitable deductions may generally be carried over and deducted over the next five years, subject to the income percentage limits in those years. And be sure to retain proper substantiation of your deduction for a charitable contribution.

Year-end tax planning
When considering making charitable gifts at the end of a year, it is generally useful to include them as part of your year-end tax planning. In general, taxpayers have a certain amount of control over the timing of income and expenses. You generally want to time your recognition of income so that it will be taxed at a lower rate, and time your deductible expenses so that they can be claimed in years when you are in a higher tax bracket.

For example, if you expect that you will be in a higher tax bracket next year, it may make sense to wait and make the charitable contribution in January so that you can take the deduction in the next year when the deduction produces a greater tax benefit. Or you might push the charitable contribution, along with other deductions, into a year when your itemized deductions would be greater than the standard deduction. And, if the income percentage limits above are a concern in one year, you might move income into that year or move deductions out of that year, so that a larger charitable deduction is available for that year.

A financial or tax professional can help you evaluate how to make charitable gifts in a way that is beneficial to you.

The information contained herein is based upon sources to be true and accurate, but no guarantee is made to the completeness and accuracy of this information. Please consult statements provided by individual custodians or product sponsors for complete information. Past performance is not indicative of future results. This material has been provided for general informational purposes only and does not constitute either tax or legal advice.  Investors should consult a tax or legal professional regarding their individual situation.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2012.