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To see success as a young sales representative in an extremely competitive industry, it is always important to stay motivated and keep pushing forward. One of the best ways to plan and execute a sales strategy is through an individual business plan.

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Are you charitably minded and looking for ways to give but not sure where to begin? Charitable Gift Annuities (CGAs) available through Univest Foundation, are a good option because you can designate who you would like to receive the funds upon your passing and get the added benefit of receiving a tax deduction and income during your lifetime.

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The reputation of today’s banker has taken a hit as a result of the financial crisis in 2008 that led to hundreds of millions in fines paid by the large money center banks. A recent Gallop poll revealed that Americans’ trust in banks has fallen to an all-time low of 18%. This challenge facing our industry has forced us to focus on regaining the public’s respect. As we have worked to preserve our strong reputation, we have found two great ways to earn trust and new customers: customer engagement and community involvement. These two best practices can be put into place by any business. Here is some insight I’ve gained on using these principles to build your business.

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College graduations are in full swing and the next few weeks are critical for these young adults to gauge their financial readiness as they leave the college campus and head out to the “real world.” As they receive diplomas, college grads should also get their financial plans and goals in order to ensure they are on the right track as they start their careers.

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I read an interesting article last week about how millennials have changed the way we work. It suggested that technology has taken over how companies handle most customer situations. Yes it’s true, today we use our cell phones, tablets and computers to conduct most of our day-to-day business. For example, banks no longer need big branches on every corner; many transactions can be completed online or via a mobile app. In other industries, you see retailers with smaller stores and a push to online sales. There are even restaurants that have you order your meal from your table on a tablet.

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To those who have served in our military in any capacity, we say a huge thank you. To help where we can, Univest offers VA insured home loans. For those with VA eligibility, we can finance up to 100% of the purchase price of a home, up to $417,000 (as of April 2016 – higher limits may be available in certain areas). With generous qualifying ratios and no monthly mortgage insurance premiums, a VA loan is often the best choice for a veteran borrower. There are also refinance programs available for current VA borrowers.

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Globoforce’s WorkHuman Research Institute recently released a report on The ROI of Recognition in Building a Human Workplace*. There are several key findings from the report that describe the steps organizational leaders can take to create more engaged workplaces. Social recognition, along with support from leadership, can help create caring and purpose-driven cultures that in turn help employees to be happier, more engaged and more productive at work.

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For many, a trust conjures up images of ultra-wealthy families devising complicated schemes to exploit legal loopholes. This leads a lot of people to think trusts are only for the rich, and not for them. Actually, a trust is a legal device that can be used to solve a variety of problems for people at all wealth levels. You could be very wealthy and have no need for a trust, or you could be a person of modest wealth and in dire need of a trust.

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The spring season often inspires homeowners to dream of the home improvements they would like to make such as additions, decks and swimming pools. With the summer season just ahead, families begin to think of vacation spots to relax and enjoy great weather or about impending college bills. The biggest deterrent to moving forward with any of these desirable plans is affordability. Once you put pen to paper and tally the costs, the reality can set in that you may have to downsize your plans and expectations. Here are some suggestions to make your spring and summer season satisfying to you and your family.

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To fully understand workers compensation rate calculation, buyers need to first realize that there are both direct and indirect pricing tools that are used to determine insurance cost. Understanding these details and how they can impact businesses is critical to remaining profitable, competitive and prepared.

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For many of the retired investors we have met with recently, their time of reckoning has come. It has been a tumultuous ride for those in their retirement years drawing dividend and bond income from their portfolios during the past 24 months. Since December 2008 in the depths of the global financial crisis, low interest rates or zero interest rate policies have plagued retiree portfolios causing investors to reach for income or “yield” to supplement Social Security income and the ever rarer pension.

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Following the unfortunate passing of Prince, recent news headlines have suggested that the mega-star might not have had a will. Considering the size of his estate, which includes massive wealth generated from his long-term career, expansive real estate and a vault of unreleased recordings, not having a will could catapult his assets to the state court system, leaving a judge and court appointed officials to determine distribution among heirs. Whether you are a billionaire or making minimum wage, estate planning is critical.

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