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Sue Swanson

(720) 858-6288


Mike Edwards

 Dir. of Financial Services (720) 858-6289


Andrea Levine

 Senior Account Executive

(720) 858-6287


Mitch Laycock

 Account Executive

(720) 858-6297

Cary Lamb
Account Executive
(720) 858-6282


What Our Clients
are Saying

"Andrea [Levine], I just wanted to say thank you for everything you do for us and for helping me through the transition of the new group joining us, along with your overall service and care. I really appreciate all your support, expertise and assistance."

-COPIC Financial client

Financial Focus Archive! 
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Did you miss a previous edition of the Financial Focus? Fear not! Our website includes a full archive of past newsletters. Articles include helpful information about topics such as social security retirement regulations and information about employer sponsored health plans. Get caught-up today!

Save $$$ with CO-POWER


GroupSource Group Purchasing is a leader in cost containment strategies for medical and dental practices. COPIC clients are able to take advantage of these GroupSource discounts through an innovative program called CO-POWER.


Click HERE to learn more about how your practice can save money today!


Have you recently booked that once-in-a-lifetime vacation? Protect it from
the "what if."

COPIC Financial now offers Travel Insurance!

Click HERE to get a quote.


FSG is excited about our association with one of the most respected personal insurance carriers----Safeco Insurance. This affiliation complements the wide range of services we already offer, to include auto, home, disability, employee health, cyber liability and long-term care insurance coverages.

Contact us for a quote regarding personal home or auto insurance needs by calling Jessica at
(720) 858-6283.

Helpful Links
Upcoming Conferences
Colorado Medical Group Management Association Fall Conference
Sept. 8-9, 2016
Wyndham Mining Exchange
Colorado Springs, CO

Colorado Dermatologic Society Annual Meeting
Sept. 9, 2016
Inverness Hotel
Englewood, CO

ACOG Morbidity and Mortality Symposium
Oct. 13, 2016
Inverness Hotel
Englewood, CO 

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In This Issue - August 2016
FSG Joins Forces with PEO to Help Reduce Practice Management Stress
Introducing the COPIC FSG Retirement Program
Disability Insurance for Business Owners
Does your Policy Cover Cybercrime?
October is National Cyber Security Awareness Month
FSG Joins Forces with PEO to Help Reduce Practice Management Stress
In today's rapidly changing landscape of health care, it may be difficult for office managers to keep up with responsibilities associated with human resources (HR) management. That is why COPIC FSG is pleased to announce a new relationship with Bene-Fit Solutions, a Professional Employer Organization (PEO). Utilizing a PEO to help manage complex employee-related matters allows you to focus on your practice and your patients.

What can you expect from Bene-Fit Solutions?

Many PEOs require you to use all of their services, but Bene-Fit Solutions is different by offering flexibility of services depending on each individual client. Some of their services include payroll processing, web-based HR access, tax filing, employee withholdings, employer taxes, and detailed customized reporting. HR services include updating and distributing employee handbooks, job offer letters, background checks, job descriptions, maintaining personnel and employee records, performance evaluations, and more. Bene-Fit Solutions can also assist with benefits administration, including COBRA or State Continuation.

The largest differentiator COPIC FSG has found with Bene-Fit Solutions is that your account is serviced in-person on a regular basis. Representatives will meet in your office on a weekly basis and are available by phone when needed.

COPIC FSG is excited to collaborate with Bene-Fit Solutions due to their high level of service, professionalism and ethical regard. Please contact Andrea Levine at (720) 858-6287 for more information and quotes on how this service can potentially help your business. 
Introducing the COPIC FSG Retirement Program
The administrative burden associated with offering a 401(k) plan to your employees is no longer something to worry about. COPIC FSG has a new retirement solution that delivers established, innovative industry providers with less administrative headache. The COPIC FSG Retirement Program is powered by TAG resources, and has shown to eliminate up to 95% of the administrative tasks of traditional 401(k) plans.

Benefits include: 
  • Cost Competitive----More services for the same or lower cost 
  • Ease of Administration----Eliminates 95% of your plan administration burden allowing you to focus on your business 
  • Fiduciary Liability Coverage----Protects you from personal liability risk 
  • Consistent Compliance----Meets and exceeds Department of Labor and IRS requirements 
  • Well-Known Providers:
    • Transamerica----Industry leading 401(k) recordkeeper 
    • Mercer----Global leader in investment management 
    • TAG Resources----The largest "end to end" 401(k) provider in the United States

Read more about the differences with a TAG Resources plan's list of services and contact Mike Edwards at (720) 858-6289 with questions or for more information.

Securities and Investment Advisory Services offered through Woodbury Financial Services, Inc., Member FINRA, SIPC and Registered Investment Adviser. COPIC Financial Service Group and Woodbury Financial Services, Inc. are not affiliated entities.
Disability Insurance for Business Owners 
Owning your practice is the same as running a small business. And as a business owner, you may be the primary driving force behind your business and income. But what would happen to your business and livelihood if you became injured and couldn't work?

According to the Council for Disability Awareness (CDA), one in four people entering the workforce will be disabled before retirement and can expect to be off the job for an average of 34.6 months, almost three years. And most disability leaves stem from major medical issues like heart attacks and cancer, rather than accidents.

Disability income for you and disability insurance for your business are two different issues. Read the article Disability Insurance for Business Owners by James Anderson at for key steps to consider when reviewing disability insurance options. Find out how to balance insurance for your business and family, as well as ideas to keep disability insurance affordable.

Contact Cary Lamb at (720) 858-6282 for more information or questions.
Does your Policy Cover Cybercrime?
A recent report by Symantec revealed that in 2015, 43% of cyber attacks were directed toward small to mid-sized businesses, and more than 420 million individual identities were exposed. The same report noted that email scams targeting employees have also increased 55%.

Cybercrime is criminal activity or a crime such as identity theft and phishing by means of the internet, a computer system, or computer technology. The worrisome fact is that not all business liability policies address cybercrime and some specifically exclude the coverage.

A cyber liability policy should include coverage for financial fraud, telecom fraud, and phishing attacks. Other considerations regarding cyber liability insurance include: 
  • Cyber incidents caused by unknown acts prior to the inception date of the policy. 
  • Business interruption expenses incurred due to the insured's cloud provider or web host suffering from outages. 
  • Coverage for incidents such as fraudulent wire transfer requests. 
  • Payment Card Industry (PCI) fines, penalties, and assessments. 
  • Coverage for reputational harm. 

The Federal Communications Commission also has a wealth of resources for small businesses needing cyber security assistance as well as a Small Biz Cyber Planner 2.0 tool to create a customized cyber security plan. Contact Mitch Laycock at (720) 858-6297 with questions or to schedule a complimentary insurance review.

October is National Cyber Security Awareness Month
"Cyber threats pose one of the gravest national security dangers the United States faces." ----President Obama (2014)

While we must be vigilant year-round for cyber threats, October marks National Cyber Security Awareness month. The U.S. Department of Homeland Security (DHS) has announced the following themes for the upcoming event: 
  • Week 1: October 3-7, 2016----General Cybersecurity with the Stop.Think.Connect.™ Campaign 
  • Week 2: October 10-14, 2016----Cyber in the Workplace 
  • Week 3: October 17-21, 2016----Cybercrime 
  • Week 4: October 24-28, 2016----Cyber and Cutting-Edge Technology 
  • Week 5: October 31, 2016----Cyber and Critical Infrastructure 

Get more information about each week's topic of interest by visiting the DHS website, and contact Mitch Laycock at (720) 858-6297 with questions regarding Cyber and Data Breach Liability coverage.

Even if you are not currently in the market for insurance
products, we are always available to help make sure you are
getting the best coverages at the best prices. Call us at
(720) 858-6280!


Sue Swanson
President, COPIC Financial Service Group

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Copyright 2016 by the COPIC Trust. All rights reserved. No part of this publication can be produced or transmitted in any form or by any means without written permission from the publisher.

  COPIC Financial Service Group, Ltd. is an insurance brokerage firm representing a variety of insurance carriers. Products offered by COPIC Financial are not issued by COPIC Insurance Company.