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Employee Benefits Services West Des Moines IA

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Mr. R. John Badger (RFC®), CFP, CHFC, CLU
(515) 224-0596
936 8th Street
West Des Moines, IA
Company
Chartered Financial Services, Ltd.
Qualifications
Education: BS, MS other professional designations
Years of Experience: 37
Membership
IARFC, MDRT, FPA, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Education Plan, Healthcare Accounts, Charitable Foundations, BuySell, Compensation Plans

Data Provided By:
Employee Benefit Consultants
(515) 221-2340
5308 Grand Ave
Des Moines, IA
 
Iowa Life and Health Insurance Guaranty
(515) 248-5712
700 Walnut St
Des Moines, IA
 
Crivaro Insurance Agency
(515) 288-5589
2449 SW 9th St
Des Moines, IA
 
Ken Israel Insurance Agency
(515) 288-4250
3500 2nd Ave, Ste 5A
Des Moines, IA
 
Private Asset Advisory Group
(515) 253-9700
2400 86th St, Ste 5
Des Moines, IA
 
Davis Insurance Agency
(515) 274-3838
2821 Beaver Ave, Ste 201
Des Moines, IA
 
Reynolds & Reynolds Inc
(515) 243-1724
300 Walnut St, Ste 200
Des Moines, IA
 
Ligouri Insurance
(515) 285-0370
4320 1/2 SW 9th St
Des Moines, IA
 
Northwestern Mutual - Ed Mc Gill
(515) 697-4600
2300 128th St
Des Moines, IA
 
Data Provided By:

Reaping Company Benefits

By Stuart Schultz

So you landed your first job, you’re making money and paying bills, and now come the perks—free little acknowledgments that you're a bona fide adult with hard-earned privileges. They may not be as exciting as first-class chopper service to the faraway destination of your dreams

or souped-up Lamborghinis, but company benefits can be very useful and worthwhile. From free gym memberships to health care and 401(k) plans, you should talk to HR or even read that little welcome booklet so you know everything that’s on the table. Then, take advantage of every perk available. Even if you plan on leaving a job soon after you start, don't be bashful—all those free morsels are yours to enjoy, and you can even take some with you when you go. Here’s a guide to taking advantage of the company you work for (in a way they design and encourage).

Health Insurance

If you had to pick only one company benefit to have, it would be health insurance. Fortunately, we have you covered with our guide to health insurance .

401(k) Retirement Account

If health insurance is the most valuable company benefit, 401(k)s are the most undervalued. In a nutshell, a 401(k) enables you to take money you’ve earned and deposit it into an investment account before you get taxed on it. Read our guide to 401(k)’s, Roth IRA’s and other retirement options to determine if it's right for you.

Workers Comp Insurance

Certainly an important one. Let’s say you’re a hand model like Ducovny in Zoolander. Well what happens if you have a terrible gasoline fight accident and burn your precious appendages in the process? Workers comp can help. The insurance company will provide a comparable salary, and despite some nuances , it can grant you some peace of mind while you get back on your feet.

Life Insurance

There are four types of life insurance , and all are awkward to describe—we’ll try to lay it on easy. If you have life insurance, and croak, your dependents will receive a boatload of cash. That’s why there are a lot of movies about life insurance scams—who could forget Wild Things? If you aren’t married and aren’t looking after anyone in your family, etc., this may be an insurance you consider skipping if you’re asked to pay for it. If it’s free, dig in.

Cell Phones

Many companies provide their employees with Blackberries and cell phone plans. A shiny new Blackberry can feel like a sign that you've "made it," but once emails from your boss start coming through at midnight it's more like a leash. Furthermore, the company will have access to all your call logs, messages, minute usage. Ask others in the office to get a sense of how strict your company about using the phone for personal use. If you need more privacy, consider accepting the company plan then getting your own celly with a scaled plan (no need for those daytime minutes).

Flexible Spending Account (FSA)

This account is an enigma to most people. Ultimately, it all...

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