Trinity Proudly Supports. Faith Christian School. Hope Life Center. WCIC Christian Radio Bags For The Brave (supporting Honor Flights)

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1 Trinity Proudly Supports Faith Christian School Hope Life Center WCIC Christian Radio 88.7 Bags For The Brave (supporting Honor Flights) Sarah Schnake 5k Run Christmas & New Years Day Hours: Our Office will close at 12:00 on December 21st. Our Office will be closed, in observance of Christmas, on December 24th, 25th & 26th. We will resume normal business hours on December 27th. December 31st ~ We will be closing at 12:00, in observance of the New Year. We will be closed on January 1 st and resume normal business hours January 2nd.

2 Brett Nicklaus Merry Christmas & Happy New Year from our family to yours. Camren Plotner Roxie Shaffer Jaclyn Wooden

3 Medicare Supplement Information: Medicare Supplement Insurance is one of the most important insurance options available to seniors. Unfortunately, many are unaware of the options available for a supplement policy; or they do not realize the need for supplement coverage. They mistakenly believe that Medicare will cover all of their costs in the event of a health crisis. Knowing what coverage options you have is Important. Finding the right policy for you is key to having more piece of mind when health issues arise. Call today to schedule your meeting to discuss how a Medicare Supplement Insurance Policy can be beneficial for you and your family.

4 Camren Plotner Licensed Insurance Agent (815) Really take a close look at your car insurance policy as winter approaches. Think about what new risks occur during the winter months and if changes in coverage are necessary. Do you have a vehicle you do not drive in the winter? It could save you hundreds of dollars to reduce coverage on a parked vehicle during the winter months. Lowering the coverage to comprehensive only will protect your vehicle against things which can happen to it while sitting such as storm damage, fire, theft and vandalism. Consider roadside assistance if you do not already have it. Roadside assistance can be really handy in the winter months. Slide-offs can sometimes be unavoidable even in four-wheel drive SUVs. Being stuck in the ditch is never good. You can avoid big tow bills by purchasing inexpensive roadside assistance coverage on your auto policy. Consider increasing your coverage by adding comprehensive and or collision coverage. Determine your risk level during each season. Summertime might bring less risk so reducing coverage makes sense. In the winter time risk levels often rise, so it might be time to add on more coverage. Comprehensive will protect you against storm damage and collision will protect you against physical damage after sliding

5 To All : I hope this letter finds you and your family preparing for a very Joyful and Merry Christmas. This time of the year seems to bring out the best in our fellow man. I believe this it s due to the real reason we celebrate, the birth of Christ. If we remember this during our shopping trips and family gatherings then how could we not be happy and full of peace? Unfortunately, there will be a lot of discussion about the declining markets and the impact this could have on our investment accounts. As I write this, the Dow is down about 10 1/2 % since and about 3% since While these returns are not encouraging, I believe that there are a lot of fundamentals that still are. People are working, interest rates are low, taxes are low and jobs are being created despite the fact employers having trouble finding qualified employees. The Federal Government could have a large impact with a market recovery depending on what they do with interest rates. Another issue that could bring stability back into the markets, would be a solid trade deal with China. I'm still very confident in the future of our economy and our markets. But as always please call me if you have concerns or questions that need to be addressed before our next meeting. May you and your family be blessed during this Christmas season. Take care, Brett

6 315 S Peoria Ave, Dixon, IL East State Street Ste.102, Rockford, IL Regular Hours of Business: Monday through Thursday: 8am 4pm Friday: 8am 2pm Corner of Buckley & E. State By Appointment Only Find and Like us on Facebook

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