Flood Insurance: Are You Covered?

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A mid-winter or early spring thaw can produce large amounts of runoff in a short period of time. Because the ground is hard and frozen, water cannot penetrate and be reabsorbed. The water then runs off the surface and flows into lakes, streams and rivers, causing excess water to spill over their banks.

Be prepared! Purchase flood insurance for your home (and business) and its contents, take an inventory of your belongings and make an emergency plan for you and your family. For more information, click here.

Our dedicated agents can help you choose flood insurance that best fits your needs. Call us today for a free, no-obligation consultation and get one step closer to ensuring your home is safe and insured!

Call us at (724) 863-3420.

Six tips for prepping for a premium audit

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As so many employers choose to have a Workers’ Compensation Insurance Policy that renews at the end of the year, that means these businesses are currently preparing for their policy year end premium audit.Therefore, I thought I would relay some tips to help prepare for an error-free audit and minimize the chances of your company becoming overcharged.

Since a Workers’ Compensation premium is estimated initially, the actual cost is determined through the premium audit, which can result in higher and unexpected costs. The auditors’ job is to find premium producing exposures; after all, they work for the insurance company.

Click here to read the full article.

Insure Your Love

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People buy life insurance because they love someone and want to financially protect them. We understand the importance of providing our clients with the knowledge they need to make informed decisions about purchasing life insurance. Everyone’s life insurance needs are different and we are here to help you determine the best type of life insurance for you and your family.

With February being “the month for love”, we’ve compiled some helpful life insurance tools and resources to help you protect your financial security.

Additional Life Insurance resources can be found at www.lifehappens.org.

Don’t hesitate to contact one of our Insurance Professionals with questions about your current life insurance policy or how to get started with a new policy!

One Source, Infinite Solutions…Experience the Duncan Difference.

Duncan Financial Group
311 Main Street
Irwin, PA 15642
Main: (724) 863-3420

 

Let Us Help Take the Stress Out of Tax Season! (coupon below)

Not a Tax Client Yet?

Working with the same tax preparer each and every year allows you to develop a relationship at our agency, generating trust and ultimately tax recommendations–and thus, tax savings.

We value your business and offer you valuable tax advice, creating a true partnership that is built to last. With Tax Season right around the corner, why not get a head start this year and let the professionals at Duncan Financial Group help ease the stress of preparing your 2014 Income Tax Return?

Our Elite Services Include:

  • Federal, State, and Local Income Tax Return Preparation
  • Individual and Business Tax Consulting
  • Business Tax Return Preparation
  • Electronic Filing (E-filing) of Income Tax Returns

All services are performed by Duncan Financial Group’s staff of Certified Public Accountants (CPAs) and Enrolled Agents with the Internal Revenue Service (EAs).

Anthony Marciano, EA: 724-863-3287,Ext. 3151
Dan Vecchio, CPA: 724-863-3287, Ext. 3115

Call us today to schedule your
2014 Income Tax Return appointment!

tax coupon

IRS Circular 230 Disclosure: In order to ensure compliance with IRS Circular 230, we must inform you that any U.S. tax advice contained in this transmission and any
attachments hereto is not intended or written to be used and may not be used by any person for the purposes of (i) avoiding any penalty that may be imposed by the Internal Revenue Code or (ii) promoting, marketing or recommending to another party of any tax related matter(s) addressed herein.

Insurance Coverage You May Be Overlooking That Could Cost You $$$

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Unforeseen accidents can happen at any time. That’s why the insurance professionals at Duncan Financial Group want to ensure that you and your family are completely protected. When you are designing an insurance policy, certain coverages may be overlooked.  We can help you determine what coverages you need and get you covered without any hassle…all while working with our friendly and highly knowledgeable professionals. Below are just a few of the sometimes overlooked insurance coverages that we offer and you should consider investing in:

Automobile

  • Property Damage: If you are the at-fault driver in a three-car pileup, is your property damage liability enough to cover the cost of the damages? This mandatory coverage can often be overlooked. Any damage you cause to other people’s property will be covered up to the limit you have, but it may not be enough.  If the damage you cause is greater than your limit, you are responsible to pay those damages out of your own pocket!
  • Work Loss Benefit: What if you get injured in a car accident and can’t work because of your injuries? This coverage will pay you income up to the coverage limit. Is $1,000 per month enough, or would $2,500 be better for you? 

Homeowners

  • Water Backup of Sewers/Drains: What if there was a backup of your drain system? Would your insurance cover the damage? Did you know that a standard homeowner’s insurance policy excludes coverage for damage of water drain backups or if a sump pump fails? If you have a finished or unfinished basement, or if your mechanical systems are located in the basement, you should strongly consider this additional layer of protection.

Call the insurance professionals at Duncan Financial Group to learn more and get covered today!
(724) 863-3420

Holiday Safety Tips for Your Home

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Did you know that the winter months are the leading time of year for home fires? To help you stay safe, The National Fire Protection Association provides a wealth of safety tips and information on cooking, heating, candles and holiday decorating – factors that contribute to the increased risk of home fires in the months ahead.

Have an insurance-related question about your home, auto, life or other insurance policy? Contact our knowledgeable and courteous team today for answers!

Duncan Financial Group – Personal Lines Department
(724) 863-3420

Let Us Help Take the Stress Out of Tax Season!

tax blast image

Not a Duncan Financial Group Tax Client?

Working with the same tax preparer each and every year allows you to develop a relationship at our agency, generating trust and ultimately tax recommendations–and thus, tax savings.

 

We value your business and offer you valuable tax advice, creating a true partnership that is built to last. With Tax Season right around the corner, why not get a head start this year and let the professionals at Duncan Financial Group help ease the stress of preparing your 2014 Income Tax Return?

Our Elite Services Include:

  • Federal, State, and Local Income Tax Return Preparation
  • Individual and Business Tax Consulting
  • Business Tax Return Preparation
  • Electronic Filing (E-filing) of Income Tax Returns

Call us today to schedule your
2014 Income Tax Return appointment!

tax-coupon

Offer expires May 1, 2015

All services are performed by Duncan Financial
Group’s staff of Certified Public Accountants (CPAs)
and Enrolled Agents with the Internal Revenue
Service (EAs).

Anthony Marciano, EA: 724-863-3287,Ext. 3151
Dan Vecchio, CPA: 724-863-3287, Ext. 3115

IRS Circular 230 Disclosure: In order to ensure compliance with IRS Circular 230, we must inform you that any U.S. tax advice contained in this transmission and any
attachments hereto is not intended or written to be used and may not be used by any person for the purposes of (i) avoiding any penalty that may be imposed by the Internal Revenue
Code or (ii) promoting, marketing or recommending to another party of any tax related matter(s) addressed herein.

 

Shop Downtown Irwin on Small Business Saturday!

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The Norwin Chamber of Commerce will be open on Small Business Saturday from 9:00 a.m. – 1:00 p.m.

They will be giving away FREE tote bags filled with goodies.  The first 25 people to come in for a tote bag will receive a FREE $25.00 American Express Gift Card! Also, these Norwin Chamber of Commerce Members will be open and will offer Small Business Saturday specials!

 

4 Seasons Travel

320 Main Street, Irwin PA

Open 9:00a.m. – 1:00p.m.

Offering a variety of travel specials

 

Berk’s Menswear & Tuxedo Shop

11210 Route 30, North Huntingdon

Open 10:00a.m. – 5:00p.m.

50% Off Sale

 

Cartridge World

2671 Monroeville Boulevard, Monroeville

Open 9:00a.m. – 4:00p.m.

Enjoy 10% off

 

Celebrate YOU Boutique

434 Main Street, Irwin

Open 10:00a.m. – 5:00p.m.

Buy One Item, Get The 2nd Half Off

 

Chris and Kadi’s Country Closet

102 4th Street, Irwin

Open 10:00a.m. – 5:00p.m.

Enter the Goodie Basket Raffle

 

GDC Fine Jewelry

12591 Route 30, North Huntingdon

Open 10:00a.m. – 5:00p.m.

Additional 10% Off Any In Stock Item

 

Mary Kay

624 Main Street, Irwin

Open 8:00a.m. – 7:00p.m.

$5.00 Mary Kay specials and Buy 4 Paparazzi items and get the 5th one free.

 

Mixes Galore

415 Main Street, Irwin

Open 10:00a.m. – 3:00p.m.

20% Off Your Total Purchase. Free Gift With Purchase of $15.00 or More.

 

Mary Ann Petrillo, Attorney At Law

412 Main Street, Irwin

Open 9:00a.m. – 1:00p.m.

Free Estate Planning Seminars at 9:30a.m. and 11:30a.m. Limit 20 people per seminar. Call to reserve your spot at 724-861-8333. $50.00 off $450.00 estate planning package for appointments made that day.

 

The Wooden Nickel Restaurant

12120 Route 30, North Huntingdon

Open 11:00a.m. – Midnight

40% off all bottles of wine and the debut of the $100 martini. All proceeds from the martini special will be donated to Toys For Tots.

 

Winter Maintenance Tips to Protect Your Home and Business

Old man winter has arrived! Do you have a plan in place that will keep your home safe and your business operating when hazardous weather strikes?

As winter arrives, so do the many threats that can result in business interruption. It could be flooding caused by frozen pipes that explode.  Or, it may come on the heels of an ice storm that causes power outages due to downed electric lines.

So, before the snow begins to fall, think ahead and take steps to get your home or business ready for winter weather.  Click here to view a handy Winter Preparedness article courtesy of Cincinnati Insurance Company, to help you prepare for winter weather.

As always, our team is ready to assist you with any of your insurance needs. Don’t hesitate to contact us with any questions or concerns you may have regarding your policies.

Duncan Financial Group

One Source, Infinite Solutions…Experience the Duncan Difference. 

Complimentary Seminar – 2014 Stock Market Review & Income Tax Planning

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Duncan Financial Group cordially invites you to attend a session from our quarterly series of informative seminars:

When:

Wednesday, Oct. 29th 

Registration & Complimentary Breakfast Buffet – 8:30 AM

Seminar – 9 – 11 AM

Where:

Oakmont Country Club
1233 Hulton Road
Oakmont, PA 15139

Featured Speakers:

David S. Duncan, CFP®, CEO, Duncan Financial Group

Anthony R. Marciano, EA, and
Daniel J. Vecchio, CPA

We will provide an overview of the following:

* 2014 Market Recap & Highlights –
What’s Next in 2015?

* 2014 Business Tax Updates 

* 2014 Personal Tax Updates

* 2014 Affordable Care Act Updates 

RSVP to Brooke Fornalczyk by 10/27
724-863-3420 x3315
bfornalczyk@duncangrp.com
www.duncangrp.com