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One of the advantages of being an independent broker focused on groups under 50 is getting to know what actually matters to each one. There's a group with 6 employees that offers a platinum plan and covers the entire premium for each employee. They're happy with the plan, they're not price sensitive, and they're not really interested in other options. Then there's a group with 15 employees offering two plans, both at the bronze level. Their team looks nothing like the first g

It sounds dramatic, but by August the end of the year is on the horizon. The Minnesota State Fair is the first sign of the end of summer. Then school starts and everyone shifts from making fun summer memories to getting things done. Those last outdoor projects, switching your clothing over as the weather gets cooler, and getting everyone up and out the door on time are signals of the cycle of the midwest. Summer moves into autumn and our moods shift. Work shifts. No more summ