Have you considered your life insurance lately? Does the life insurance policy that you bought years ago still fit your family's needs? If you have a term life insurance policy, it may make sense for you to consider switching it to a whole life policy under certain conditions — but what are those conditions? Let's start by reviewing the difference between term and whole-life policies. Term life insurance policies are designed to provide protection for your family in case of y

Health insurance may be one of the most critical annual purchases since it impacts your physical, mental, and financial wellness. Unfortunately, selecting a health insurance plan can feel overwhelming. With so many options, it can also be easy to make a mistake when selecting coverage. As always, our agents at RCB & Associates, LLC are happy to help you find the best policy for your needs, and our services are free! Giving you peace of mind and finding you the best coverage f

Most of the United States shifts between standard and daylight saving time (DST) each year in an effort to “save” natural light. Clocks will get set one hour back on Sunday, Nov. 6, when the DST period ends. Although you may be excited about gaining another hour in your day, DST can wreak havoc on your physical and cognitive health for several days, weeks, or even months. The disruption of DST can negatively impact your health. Your internal clock regulates critical processes

On Oct. 18, 2022, the IRS released Revenue Procedure 2022-38 (Rev. Proc. 22-38) to announce various inflation-adjusted tax limits for 2023, including the limit on employees’ salary reduction contributions to health flexible spending accounts (FSAs) offered under cafeteria plans. Rev. Proc. 22-38 increases the health FSA dollar limit on employee salary reduction contributions to $3,050 for plan years beginning in 2023. This is a $200 increase from the 2022 health FSA limit of