The term “game changer” has often been used to describe people or entities that break from the established or expected norms.  A “game changer” often defies existing paradigms or creates new paradigms.  In sports, a “game changer” is often an athlete that is far superior to his or her contemporaries, is very versatile or seems […]

Here is a captivating question.  How can a small or medium-sized business turn its risk management into a true profit center? It sounds impossible – turning risk management into a profit center.  After all, risk management pays insurance premiums and

As a business grows and matures, its owners may look for additional means to grow revenue and boost business wealth.  A common approach is to start or acquire an additional business that serves the core business.   This is often described as

My father always taught me to set aside money for rainy days.  “You have to pay yourself first,” he would remind me.  “Before you spend any money that you earn, you have to pay yourself by saving some money for a rainy day.”  This was and still is great advice.  And, of course, untapped “rainy […]

History has repeatedly demonstrated that when the IRS gets a finger, they take off an arm.  Any efforts by the IRS to curtail the rights of small captive insurance companies should be met with the utmost resistance. This Spring we have noted that the IRS has launched a coordinated PR and political attack