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    Individual Advanced Planning
    Asset Protection and Preservation

    We provide a wide array of quality insurance alternatives for your family and your business. Read More >>

    Longevity Insurance

    When it comes to long-term planning, certain investments let you save on a tax-deferred basis. Read More >>

    Life Insurance

    Your life insurance needs will depend on a number of factors, including the size of your family, the nature of your financial obligations, your career stage and your goals. Read More >>

    Long-Term Care Insurance (LTCI)

    The risk of contracting a chronic debilitating illness is considered by many to be one type of risk best passed on to an insurance company through the purchase of a LTCI policy. Read More >>

    Personal Financial Management

    Marcum's Personal Financial Management group is focused on your total financial wellness. Read More >>

    Wealth Management

    Your life insurance needs will depend on a number of factors, including the size of your family, the nature of your financial obligations, your career stage and your goals. Read More >>

    Wealth Enhancement

    Estate planning is a process designed to help you manage and preserve your assets while you are alive, and to conserve and control their distribution after your death according to your goals and objectives. Read More >>

    Corporate Benefits Group
    Employee Benefit Plans

    Marcum Financial Services Corporate Benefits Group offers innovative and comprehensive employee benefit services for mid- and large businesses. Our advantage lies in proactive ideas, accessibility, flexibility and, most of all, personal service.
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    Health and Welfare Services

    Marcum Financial Services Corporate Benefits Group offers a range of core services as well as fee-based services. Read More >>

    Individual Retirement Planning
    Retirement Income Planning

    The key to a financially independent retirement is proper planning. Planning for retirement is an ongoing process.   Read More >>

     
     
 
 
 
 
 
 


Health Insurance Exchanges - Model Notices Now Available

As you may recall the March 2013 requirement to distribute notices about health insurance exchanges was delayed. Federal regulators have just released the model notices that you can provide to your employees about the availability of public health insurance exchanges. Distribution of these notices is a Federal requirement.

There are two versions of the notice: one for employers who offer a health plan to some or all employees, AND one for employers who do not offer a health plan. Both notices explain how exchanges will operate, and that certain conditions will have to be satisfied for employees to obtain federal subsidies to purchase exchange-provided coverage.

As an employer, you will not have to provide contact information for the exchanges. Instead, provide a link in the notice to a Department of Health and Human Services website, www.healthcare.gov that has such information.

Employers must distribute the notices, which are available at www.dol.gov/ebsa, prior to Oct. 1, 2013. Exchange policies will be effective Jan. 1, 2014.

As a value-added service, Marcum Financial Services will draft the notice for our clients. If you are not a client and need assistance, please contact Steven Brett at 631-414-4020 or Martin Haitz at 484-270-2575 and our Corporate Benefits Group will be happy to assist you.

 

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ABOUT RAYMOND JAMES LOCATIONS
Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Marcum Financial Services, An Independent Firm

Securities offered through Raymond James Financial Services, Inc. Member FINRA / SIPC

Investment advisory services at the New Haven, CT office are offered through Raymond James Financial Services Advisors, Inc.

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