From the desk of Dawn Kleinschmidt

Preparing for A New Year

As we start preparing for a new year, it is important to review our insurance exposures. Your insurance agent needs to know if you have made changes around your home to ensure your home insurance policy is up to date.

For example:

1. Have you installed a swimming pool?

2. Bought a trampoline?

3. Added a pet to the family?

4. Installed a monitored alarm?

5. Put a new roof on your home?

All of these are important to ensure you are receiving the best rate possible as well as properly protected.

The first of the year is also a wonderful time to review your auto insurance policy. Here are some questions you should ask:

1. Do you have affordable deductibles on comprehensive and collision?

2. Do have roadside assistance?

3. Have you paid off a vehicle?

i. If yes, confirm the lienholder has been removed from the policy.

One of the most important recommendations I can make is considering flood insurance. Hurricane season starts June 1st. We have seen severe storms and flooding the past few years. Flood insurance offers peace of mind knowing your home is protected. So many people think they do not need flood insurance until it is too late. There is a 30-day waiting period to purchase flood so do not wait!

Brad Murrill and Robert Simpton are registered representatives of and offer securities through SCF Securities, Inc. - Member FINRA/SIPC Investment Advisory Services offered through SCF Investment Advisors Inc. 155 E. Shaw Ave. Suite 102, Fresno, CA 93710 • (800) 955-2517 • Fax (559) 456- 6109. SCF Securities, Inc. and Redfish Capital Management are independently owned and operated. www.scfsecurities.com The views and opinions expressed herein do not necessarily represent the views and opinions of SCF Securities, Inc. or any SCF-related entity. This material is for general information only and is not intended to provide specific advice or recommendations for any individual. SCF does not offer tax or legal advice and this material is not intended to replace the advice of a qualified tax advisor or attorney. Please consult legal or tax professionals for specific information regarding your individual situation.