Congratulations Joe Malzacher for Being Awarded the Accredited Investment Fiduciary® (AIF®) Designation Jacksonville, FL- November 9, 2017 Joe Malzacher of Montoya & Associates has been awarded the Accredited Investment Fiduciary® (AIF®) designation from the Center for Fiduciary Studies®, the standards-setting body for Fi360. The AIF designation signifies specialized knowledge of fiduciary responsibility and the ability to implement.. read more →

In light of recent events with the Las Vegas mass shooting, the Orlando Pulse Nightclub, and other recent tragedies, it is an important time to prepare your employees for a potential active shooter situation.  Identifying the signs of mental illness and reporting any indicators of potential violence by an employee is crucial. Training Your Staff.. read more →

DOL Audits The Department of Labor (DOL)’s Employee Benefits Security Administration (EBSA) has the authority to conduct a DOL audit on benefits plans that are governed by the Employee Retirement Income Security Act (ERISA). DOL audits often focus on violations of ERISA’s fiduciary obligations and reporting and disclosure requirements. The DOL may also investigate whether.. read more →

Small Doesn’t Mean You Are Safe Despite significant cybersecurity exposures, 85 percent of small business owners believe their company is safe from hackers, viruses, malware or a data breach. This disconnect is largely due to the widespread, albeit mistaken, belief that small businesses are unlikely targets for cyber attacks. In reality, data thieves are simply.. read more →

Just think a single inch of water from flooding can cause costly damage to your home.  Floods are the number one natural disaster in the United States. While some regions, such as coastal areas, are more flood-prone than others, the unpredictability of climate change exposes all property to some risk. And torrential rainfall isn’t the only.. read more →