HORAN is an advocate for ongoing education for both employers and their employees. We believe that education yields better outcomes and success for our clients. We work not only to provide educational opportunities to our clients but also to diversify these opportunities as we understand not all of our clients learn the same way. Newsletters, compliance alerts, webinars and seminars and the health.wealth.life. magazine are delivered to give further guidance to clients as a part of HORAN’s commitment to educate on best practice strategies to support individual and business objectives across health, wealth and life. HORAN also understands the importance of applying the knowledge gained during the training we provide. During one-on-one sessions with our clients, we help them apply the solutions we teach to meet their goals. Our commitment to education will be seen throughout this issue of health.wealth.life. as we discuss the value of an employersponsored health plan and compare it side-by-side to a health plan on the public exchange. An illustration we have developed will give you a visual understanding of what affects the cost of a health plan on the public exchange and educate you on the advantages and disadvantages of the public exchange. There are two articles in this issue that discuss the importance of financial education. The first article details the philosophy behind the HORAN Corporate Retirement Plan Consulting organization’s financial wellness education strategy and highlights the importance of understanding the basics of financial planning for long-term success. In the second wealth article, the HORAN Wealth organization took time to answer common financial planning questions individuals might have through different stages of their life. The article in the life section draws attention to the value of keeping your life insurance policy even if you no longer need it for the policy’s original purpose. Re-purposing a life insurance policy allows you to continue to meet your needs as they change throughout your life. Our commitment to education is also demonstrated in the seminars we hold for our clients, partners and friends of the firm. You will find information on our advisor seminar series, a recap of our March health care reform seminars in Dayton and Piqua and a special event featuring guest speaker Andy Friedman, political analyst and author of The Washington Update. We have also included an article about the HORAN scholarship fund that provides our clients’ employees and employees’ children with funding for higher-education at four regional universities. In this issue we introduce a new recurring section of the magazine, Wellness Works, to educate you on what other employers are doing related to wellness that has led to successful outcomes within their organizations. Each quarter we will feature a new client and their wellness success story. In this issue we have highlighted Empower MediaMarketing’s wellness achievements. The HORAN client spotlight showcases our client ProScan Imaging and its enormous success. Its dedication to education can be seen in many ways, including the ProScan Imaging Education Foundation™ (PIEF) founded by Dr. Stephen Pomeranz over 22 years ago. PIEF is one of the world’s premier educators of health care specialists in MRI and advanced imaging modalities. The articles in the community section this quarter highlight the great work HORAN employees are doing in the regional community, including their participation in Brighton Center’s VITA tax program, individual accomplishments in the community and HORAN’s recognition as runner-up in the 2014 City of Blue Ash Business Awards. The Spring 2014 health.wealth.life. magazine is dedicated to our commitment to education. Sincerely,
Terence L. Horan, CLU, ChFC President & CEO of HORAN TerryH@horanassoc.com
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A letter from Terry Horan
In Pursuit of What Matters Most.
The HORAN quarterly magazine