combsandco


The Syrup – Small Moments That Make Life Meaningful

The success of the Pancakes for Roger campaign isn’t measured in dollars raised or photos collected. It’s about the stories people share, the memories they honor, and the way this tradition continues to bring people together.

Click Here for the original post at BenefitsPro

By Susan L. Combs | March 21, 2025 at 02:40 PM


Every February, the world joins me in honoring my dad, Major General Roger E. Combs, by taking a moment to eat pancakes and take some pics. Simple, right? But Pancakes for Roger was never really about breakfast, and to be honest, it was never just about a man who broke my heart at the end of his life when he made a simple request for a favorite food. It was about what that request represented: gratitude, connection, and the small moments that make life meaningful.

Smashing records and setting the bar even higher

In 2025, we set out with ambitious goals: raise funds for the University of Missouri School of Law Veterans Clinic and gather 1,000 photos from around the world of people celebrating Pancakes for Roger month. Well, we didn’t just meet those goals—we smashed them.

  • Thanks to our generous sponsors and corporate matching donors, we raised over $13,000 for the Veterans Clinic, ensuring that those who have served our country get the legal support they need.
  • We collected pancake pictures from all 50 states, Washington, D.C., as well as 25 countries, and six continents.
  • And that 1,000-photo goal? We hit 1,142 submissions!

Yes, we had people eating pancakes on the beaches of New Zealand, in the mountains of Switzerland, and at kitchen tables across the U.S. We had military veterans, families, business teams, and complete strangers all taking part in something bigger than breakfast. That’s the power of a shared tradition.

More than just a meal

The success of the Pancakes for Roger campaign isn’t measured in dollars raised or photos collected. It’s about the stories people share, the memories they honor, and the way this tradition continues to bring people together.

This year, I heard from an active-duty Airman who made pancakes with his kids for the first time since returning home from deployment. A group of law students at Mizzou sat together over breakfast, discussing how they hope to help veterans through their future work. A woman in Japan told me she made pancakes in honor of her grandfather, a fellow veteran, who had passed away years ago. These are the moments that make this campaign special.

Because at its core, Pancakes for Roger is about remembering the little things — the moments we too often take for granted. It’s about slowing down, pulling up a chair, and taking a moment to be grateful. My dad knew that. And whether he was piloting CH-46 helicopters or sitting in a courtroom, he never lost sight of what mattered most.

What’s next?

This campaign started as a personal way to honor my dad, but it has grown into something bigger than I could have ever imagined. And we’re not done yet.

As a full-fledged non-profit, we are partnering with other non-profits around the country to make the greatest impact on veterans’ needs as we grow our endowment fund. Our mission is clear:

Creating pathways to improve the lives of veterans and their communities.

With the continued support of this incredible community, we will create lasting change for those who have served.

Thank you!

To everyone who participated, donated, shared, and made Pancakes for Roger 2025 a success—thank you. You are part of something special. And I know my dad is looking down, smiling, probably wondering how the hell we got we got a mule and a pig to pose for pancake pics!

I would also be remiss if I didn’t take a moment to acknowledge something else: Being a part of the insurance industry has afforded me the ability to launch this non-profit. The relationships I’ve built, the opportunities I’ve had, and the people who have stepped up to help have been instrumental in taking Pancakes for Roger to the next level.

A special thank you to some incredible individuals from our industry who have gone above and beyond this year through their efforts:

Eric Silverman, Angela Kidd, Antinea Martin, Allison De Paoli, Stephanie Berger, Jolene Bibian, Dr. Cristin Dickerson, Dawn McFarland, Taylor Miles, Jenny Weaver, Talia Hansen, Marie Goldbeck-Strunk, Senator Kristin Dassler-Alfheim, Juli McNeely, Kyle Gorman, Ali Goodwin, Sara Walker Hite, Amanda Brewton, Colleen Blum, David Mordo, David Smith, Lisa Laliberte, Robin Tefft, and Julie Parks.

So, as we look ahead, let’s keep the momentum going, keep lifting up our Veterans, and most importantly — keep the syrup flowing.




The Syrup –  The power of being teachable

“Be teachable. You’re not always right.” – Anonymous This quote got me thinking about all the people I look up to, both inside and outside of our industry.

By Susan L Combs | June 10, 2024 at 08:13 AM

Click here for original article on BenefitsPro!

If you roll in my circle, you know I’m a massive fan of pictorial quotes that catch my eye on social media.  I actually have an album on my phone whereI save these nuggets of information for when I need an internal pep talk or see a friend struggling.  I was taught by my late father that if you get a good piece of information, it’s your obligation to share it with someone. After all, if it helped you, it will probably help someone else.

So here is one I heard recently that I thought was  such a good reminder:

“Be teachable.  You’re not always right.” – Anonymous 

Talk about taking a little wind out of your sails, huh?  The quote got me thinking about all the people I look up to, both inside and outside of our industry. When I started thinking about what they have in common, I realized that they are always open to learning.  Whether sharing an article they read, taking on a new designation, or just learning a new product or process, they are open to making themselves better and helping those around them.

I will tell you, starting a non-profit over the last year has definitely been a reminder of this simple phrase.  Serving on non-profit boards, even in a national capacity, doesn’t come close to running one. I’m sure my good friend Stephanie Berger would echo this after launching her Ellevate Foundation in recent years.  So many different rules and nuances make it as different from running a for-profit company as different as comparing bicycles to oranges.  

What do you do?

I often hear my dad in my head when I screw something up: “Suz, this is a teachable moment.” As long as we find lessons along the way, it can soften the blow of feeling like a failure.  But we must remain open.  Every time I show someone how to do a task, I think it’s important to give them the freedom to shift the process so that it makes sense to them.  I typically say something like, “We’ve got to get from A to B; I don’t care how you do it, just get to B.”  Then I show them how I do it, and often they come up with a different way and get the same result. It’s important to check your ego at the door and let someone work in a capacity that makes sense to them.  

I also think it’s important to surround yourself with people who give you the grace to learn, even when people see you as being at the top of your game.  For example, I’m the last person you want handling your Medicare account, but I have friends like Dawn McFarland or Nancy Giacolone, who let me ask what I deem as “stupid questions” and don’t make me feel like an idiot when I do.  

Embracing the mindset of being teachable is essential for personal and professional growth — and sometimes, for avoiding epic fails.  Whether saving inspirational quotes, running an insurance brokerage consulting firm, or starting a non-profit, life constantly reinforces the value of remaining open to learning and adapting.  It’s about recognizing that we don’t have all the answers and that’s perfectly OK.  

My dad was great at reminding me of the teachable moments when I would make a mistake, which sounds a lot better than “You really effed that up!” – though I heard that too when I needed a reality check.  Whether you learn by feather or by sword, it’s through these moments that we evolve.  By surrounding ourselves with supportive people who encourage us to ask questions and explore new ideas, we not only enrich our own lives but also contribute positively to those around us. 

What’s something new you learned recently?  



The Syrup – Cringeworthy Sales Tactics

Original Article on BenefitsPro

It’s 4th Quarter, which means it’s also open enrollment.  We are all tired, overworked and keep saying over and over to ourselves, “Just get through it.” But then…as my friend, Allison Cohen De Paoli put it so perfectly, you get “assaulted” by yet another vendor trying to sell you during the absolute busiest time of year, and you just can’t take it anymore.  

After sharing some texts with my crew (ErikaChelseaColleen & Nancy), it got me thinking that we can’t be the only ones.  This prompted me to send an email to my list of about 300 women who have been featured in the “What’s the Good News, Ladies?” series over the years and see if others had stories to share.  

Boy, did they!  In less than 48 hours, over 50 women responded back with annoying, rude and downright appalling examples of how salespeople have approached them during this time of year.  

So maybe this is a little bit of a public service announcement; maybe it’s a little eff you; or maybe it’s a little “how to sell to a woman 101.” Because people, you are missing it, and you are missing it big! You know why?  I’m dropping some knowledge on you right here in case you didn’t know: According to American Express and the SBA, over 42% of businesses in the U.S. are owned by women and women make up over 51% of the U.S. population!  And according to Forbes, 85% of women control or influence consumer spending.  That means there are over 330 MILLION women who will sing your praises if you get it right, but they will run the bus right over you, hit reverse and do it again if you get it wrong.  We will screenshot your email, text, LinkedIn DM or forward the voicemail to each other and we will remember to avoid you and your company’s services at all costs, because what’s the rule you should never forget?

Hell, hath no fury like a woman scorned.  

Buckle up and take note, because you are getting a golden list that is the compilation of many uber successful women in our industry, including award winners, top producers, business owners and badasses.  If you are in sales, print this out and put it where you can see it and then never do these things.  

  1. The Gift Givers:  Not the ones who are sending you a thank you for the business; we mean the ones who are trying to bribe you for a meeting.  Gift cards and even shoes were offered to some of these women.  What’s wrong with this?  It can be looked at as rebating in some states and if you are a vendor with a license, you can lose it. And just as importantly, you make us feel gross.
  2. Bate and Switch – Recruiting:  More than one woman emailed and said she had recruiters pose as a potential client. The meeting is booked, but once on the call, they realized it was a recruiter trying to hire them away.  Do you really think someone worth their salt is going to come work for you when you have basically lied your way into a meeting and showed your ethical character?  
  3.  Bate and Switch – “I’m Interested in Your Services”:  I’ve heard a few people bring this one up: Someone reaches out to you via email or social media, saying they’re interested in your services, so you set up a meeting.  But once you get on the meeting, they have a full PowerPoint presentation on selling THEIR services.  So not only did the vendor waste the person’s time as they prepared for what they thought was their own prospect meeting, they completely disrespected them by pushing the vendor’s agenda over theirs.  
  4. Beauty and the Beast:  I know you have all gotten this one, if you take a second to think about it.  A breath of fresh air enters your inbox: finally, a well thought out email or message from someone that has done their homework! You accept the connection, but five seconds later, you get a spam sales pitch message and a link to set up a meeting.  I had this happen recently and ignored it two times. By the third one, I was a little less than nice and said, “Dude, read the room. It’s open enrollment and if you really work with brokers, you’d know asking for a meeting right now is the kiss of death.”  His response was basically that OE ends in 2 weeks (is he out of his mind?) and he wants to be one of the first people I reach out to.  My response? I deleted the connection, took a screenshot and sent it to my friends, who won’t ever meet with him.  Bravo.
  5. Badmouthing:  You know how your gramma always told you, “If you don’t have anything nice to say, don’t say anything at all”?  If the only way you feel that you can get business is by throwing others under the bus, are you really that good of a salesperson?  One guy basically told one of woman that she was dumb because of the software she was using!
  6. Spam:  “Hi…your profile looks interesting…” Raise your hand if you get 10 of these a week.  Do you really feel like this is a differentiator?  If someone makes me laugh, I always accept, even if I have never met them.  But if it’s the same canned outreach, I delete it. And most others do, too!
  7. Not Knowing Your Audience:  Man, this one came up a lot.  Salespeople basically throwing spaghetti to the wall and hoping it sticks, but missing the mark because they didn’t take any time to really look at who you are as a professional.  The sad thing with this one is, that they probably could have gotten a meeting if they did a little homework.  
  8. Lying:  I have to give a big shout out to the sales training I got from Paychex (I know my girl Rachel McLauchlin will echo this) as I really feel like it was some of the best.  Two things I always remember:  1.  If you sell on price, you’ll lose on price. 2.  Never lie. One example I got of this was someone basically swiping a mutual connections LinkedIn list and pretending that the mutual connection recommended that they connect.  When she called the mutual connection to see what was up, she discovered the deception and said, “I will not do business with him now.”  So, this guy not only burned one bridge, he burned two, along with all the other people they will tell!  (Gas up the bus, girls!)
  9. Did you Get My Email?:  This one came up like 10 times. It can also be worded as “Let me bump this up to the top.” Most don’t get the hint that you didn’t respond for a reason and so keep on sending.  Or they get a read receipt when you open the email, so then they have someone else who is supposed to be higher up in the firm reach out to you and say they know “you’ve been talking with their colleague.” So many of these do not have an “unsubscribe” feature, so you just end up blocking them.  
  10. The Unapproved Meeting Request:  Nothing grates on me more, and  this was brought up by over half of the women who responded.  If you are doing this, stop.  Just stop.  I don’t know who taught you this, but it’s wrong.  It’s intrusive.  It conveys that you think their time and schedule should be controlled by you.  It’s dishonest.  Think of the other person.  Would you be thrilled if someone you had never met walked into your house, sat down at your dinner table and said, “Oh, is now a bad time?” I generally have a “three strikes and you’re out” rule, but this one is an immediate banishment in my book. I will never take a meeting from them and everyone I have talked to has similar feelings.  Especially this time of year, we are all tired and overworked.   When a funny meeting appears on our schedule that we don’t know anything about and we respond to the sender to get a little more information and find out it’s a sales pitch,, queue explosion.  Hell, hath no fury….

If you couldn’t tell, I had a lot of time writing this and I hope you had fun reading it.  I know we are all running on empty right now, so hopefully this gave you a little reprieve from the stress we all have this time of year.  Maybe you got a little insight into how to sell to a woman and realized you might be doing some of these things in one way or another.  Or maybe you just nodded your head throughout because you felt a connection to others in our industry.  My hope is that it gave you a few laughs, headshakes and maybe a face palm, too.  

I’d be remiss if I didn’t thank those who helped with this article; the emails that came in were just so much fun to read!  Hang in there, ladies, and if you need a bus driver, I got you!



The Syrup – the loneliness epidemic and coping during the holidays

This month, 2023 BenefitsPRO Broker of the Year, Nancy Giacolone, shares her thoughts on coping with loneliness during the holiday season and beyond.

By Susan L Combs and Nancy Giacolone | November 21, 2023 at 08:21 AM

Original Article on BenefitsPro

This month’s edition of “The Syrup” has a special ingredient!  It’s our current Broker of the Year and my dear friend, Nancy Giacolone.  Nancy and I have been peer mentors to each other for a number of years and we recently had a conversation about loneliness.  It’s a topic that we have seen come up with our own families, as our mothers are both widows. We have also witnessed it with colleagues and clients in our industry.  Our discussion led to a guest authorship for this month’s article to tackle this topic and shine some light on some of the things we don’t always think about as the holidays roll around.  

And with that, I’ll turn things over to Nancy.

The festive music, twinkling lights, and cheer that fill the air as the holiday season approaches are often thought of as universal markers of joy and togetherness. 

Yet, for a growing number of people, this time of year may amplify feelings of isolation, highlighting the stark contrast between societal expectations of warmth and camaraderie and their own personal experiences of solitude. 

The “loneliness epidemic,” as health professionals and social scientists have termed it, is an increasingly recognized public health concern that does not pause for the holidays. In fact, it often intensifies during this time of year.

A recent Gallup Poll found that loneliness is not confined to the elderly.  They reported that nearly 25% of adults feel very lonely, and younger people feel significantly lonelier, with the loneliest group being between the ages of 19-20.

Loneliness has been linked to a myriad of health issues, both mental and physical. The risk of developing conditions such as heart disease, depression, anxiety, and a weakened immune system is higher among those who experience chronic loneliness. 

Alarmingly, some studies have equated the health risks of prolonged loneliness to smoking 15 cigarettes a day. Furthermore, loneliness can lead to a vicious cycle, where the lonelier one feels, the less they engage socially, exacerbating one’s isolation.

Gatherings, family traditions, and social festivities typically characterize the holidays. However, they can also serve as a magnifying glass for one’s social situation, illuminating the quality and quantity of our relationships. 

For those who are estranged from family, have recently lost loved ones, or are far from home, the season can be a reminder of what — or who — is missing. 

The proliferation of social media adds another layer, as idealized depictions of holiday happiness can deepen the sense of exclusion for those who feel their reality doesn’t measure up.

So, what can you do if you are experiencing feelings of loneliness this time of the year?

  • Frequent “third places.”  These places are not home or work, but locations where people gather socially.  Think parks, coffee shops, libraries, churches, or sporting events.  Meeting people in places where you share a common interest will help foster connections.
  • Volunteer.  Volunteering takes the focus off of yourself and puts it on others, which can foster a sense of purpose and community.  
  • Community events.  Holiday concerts, festivals, or bazaars are great places to meet and connect with others.  Not to mention, they usually have some good music and tasty treats!
  • Visit someone you know may be lonely as well.  Maybe you have an elderly neighbor who lives alone.  Dropping by with a plate of cookies to check on them may be just the lifeline you are both looking for!
  • Although technology is no substitute for in-person interaction, sometimes it can help bridge the gap!  Does your family live across the country?  Have a Zoom holiday party or create a new tradition where you decorate your trees together virtually.

The holiday season should be a time of joy and connection, but for those experiencing loneliness, it can be particularly challenging. By acknowledging this reality and taking proactive steps to address the loneliness epidemic, we can extend the spirit of the holidays to include compassion, inclusivity, and community. The gift of connection might be the most precious one we can offer in a season marked by giving.



The Syrup – Mental Illness and Seeing the Unseen

By Susan L Combs | October 04, 2023 at 07:19 AM

Original Article on BenefitsPro

I’ve struggled with even starting this article, but this topic has been weighing on my mind for well over a year.  In our industry, we talk so much about mental health and wellness, which is great.  And as those of us in the industry know, under the Affordable Care Act (ACA), we now have Mental Health Parity. And in some places like New York, even before the ACA we had things like Timothy’s Law that gave New Yorkers access to unlimited mental health sessions in network years prior.  This is all incredible.  

But you know what we haven’t talked about?

The family of the mentally ill or person struggling with addiction.  The people who are showing up as caregivers time and time again only to have their hearts broken for the umpteenth time.  

I know I live a pretty open life and many of you reading this probably know that I have been sober for over two decades.  I’ve chosen a path for myself that has led me to have an incredible life, and I am grateful that I learned at an early age what a degree from the School of Hard Knocks had to offer by making some pretty big mistakes for myself prior to the age of 23.  But I know I put my family through a lot and I own it.  I have gone on to make my amends and mend the fences that were damaged but not broken.  I have worked hard to try and make the right choice each day for myself and others.  Of course, this doesn’t mean I’m perfect or that I don’t blunder and step in it from time to time.  

I’m not a big one for having regrets, because I truly feel that you are denying yourself your place in the world right now when you say you have them.  I choose to not regret the things I have done because I know that they shaped me as the person I am today and as a result, I have been able to help others.  But I broke my parents’ hearts.  I made the General cry… 

Until recently, I don’t think I realized what it was like being in my parents’ shoes.  Dealing with someone who is being irrational when you are trying to be logical can be the definition of frustrating.  But about a year and a half ago, I got a major life lesson that I didn’t want and certainly didn’t need.  This all comes back to a promise I made to my dad before he passed.  My dad and I were “Team Type A” in our family, and I knew that when he was dying, he needed to take comfort in knowing that everything would be OK within our family unit.  I promised my dad that “I got this” and that I’d look after my mom and my brothers.  The year before my dad passed, “Team Type A” got together and we spreadsheeted, we had all the information organized, I knew who to call if a pipe burst in our little apartment building, I knew who to call to sell the Winnebago, I knew who to talk to about VA benefits that passed to my mom, I had all the passwords, we had everything mapped out. But we didn’t talk about my oldest brother, who has dealt with severe mental illness for well over three decades.  We just missed it.

Eighteen months ago, I had my ass handed to me.  I had never dealt with a mentally ill person who had gone off their meds.  It’s uncomfortable; it’s hard.  Everything logical doesn’t work.  It reminded me about being around someone who is highly intoxicated, which as a sober person, feels unsafe.  It was triggering.  He ended up getting arrested and then things really got tough.  I’m in NYC, he’s in Kansas; there is so much I can do from here….but I promised my dad.  This was a dance I had to make up as I went along.  A legal eviction led us to have to purchase a home for him to live in, because no rentals would take him with a felony record, a legal eviction, and other charges.  I lost a lot of sleep, but ultimately, I felt that I “fixed” the problem, because I am nothing if not tenacious and can basically figure out any problem you give me.  But you can’t fix mental illness.  You can’t throw money at it and hope it goes away.  You can’t pray it away.  You can’t act like it doesn’t exist.  Because guess what?  When you think things are fine, when you start sleeping soundly and things feel back to normal, it breaks again.  And it did.  It broke again a few months ago, which led to an involuntary commitment into a state hospital.  I don’t think it’s necessary to give you a play by play of what happened, but when death threats are happening and you are being told by your brother that he, “Just got off the phone with Dad” (our father passed away in 2018) it’s rough.  It makes you want to run away from the situation and never look back.  

But I promised.But what did I promise?  Did I promise I would put my own health on the line at the sacrifice of someone else?  No.  Did I promise I would be a horrible boss and a shit wife because I didn’t have the capacity to show up in the world for the people who depend on me?  No.  Did I promise to put so much stress on myself that I would have chronic diarrhea for 6 weeks straight because I carry my stress in my stomach?  No.  Would my father want me to work so hard at fixing an unfixable problem for someone who doesn’t put the work in for themselves?  Absolutely not.  But I did and I have.  

When is it time to walk away?

When is it time to put your own mental health and wellbeing first?

I honestly can’t answer those questions for you, because I’m still figuring that out for myself.  But I can tell you what I have done.  I have shared about it in my 12-step program, I have shared about it with my therapist, and I’ve shared about it with my tight crew.  But you know where I’ve gotten the most support?  Just like there is a “Dead Dad’s Club” that you never know about until you are indoctrinated into it, there is the “Mental Illness Family Club” and those are the people who have really helped during this time.  Those who have it in their families know how hard it can be.  How thankless it can be.  How “I’ll never get an apology” it can be.  How unaccountable it can be.  How abusive it can be.  To my Superman fans, it’s what I picture Bizarro World to be.  And it sucks.  

This article isn’t meant to be a “poor me” piece; like I said before, I have a big beautiful life and I was given so many tools and lessons in my life that have prepared me for this … kinda.  This article is meant to see the unseen.  For those of you who are in this boat, please know that you aren’t alone.  I encourage you to share your stories and find support where you can get it.  It’s up to you what that looks like.  

Don’t ever apologize for putting your wellbeing first when someone is making you the price of admission.  

Be brave.  



4th Annual Pancakes for Roger Fundraiser

February 1st we kicked off Combs & Company’s annual campaign to support the University of Missouri School of Law Veterans Clinic, which helps veterans and their families navigate the VA claims process and secure disability benefits when they are faced with obstacles along the way.

Combs & Company will make a donation to the Veterans Clinic for every pancake-loving picture posted on social media and with the hashtag #PancakesForRoger throughout the month of February.

Follow along with the campaign at PancakesforRoger.com.

10 days in and we have already reached more than half the states in the US and several countries. We are excited to see so many familiar faces participating again this year, and love seeing all the new faces as well! Follow Penny Pancakes as she tracks the campaign around the world (updated every Tuesday and Friday).

Upcoming Events:

Join the Mizzou Law Veterans Clinic for a pancake breakfast in honor of Major General Roger Combs this February 22, 2022, from 8 a.m. to 10 a.m.

Join us on March 1, 2022 from 10-11am, for an Open House Event at the Veterans Clinic, located at 820 Conley Avenue, Columbia, MO 65211.

Join us on March 4, 2022 from 3-5pm for a Book Launch Event at the Rusty Coffee Pot, located at 114 East Vermont, King City, MO 64463.



Feature Friday with Brent Filbert

Host: Sean C O’Rourke

Guest: Brent Filbert

“We have to make sure the Hell the veterans come home from is not the Hell they come back to.” Marcus Luttrell

Episode 2021:5

The quote above carries many connotations, but for the purposes of this episode of Did You Know That?, we’re focusing on the relationship between veterans and the Department of Veteran Affairs (VA).  This is not a hit piece on the VA, but an exploration of how bureaucracy, politics, money, and other factors force many veterans into a pitch battle with the very government they served.

Brent Filbert is the clinical director and a supervising attorney at The Veterans Clinic at the University of Missouri School of Law.  This group of dedicated attorneys and law students take up the fight – free of charge – for veterans who aren’t receiving the benefits they earned for their service.  It’s a disheartening conversation in some respects and inspiring in many others.

Check out the work of The Veterans Clinic by following the links below:

https://www.linkedin.com/school/university-of-missouri-columbia-school-of-law/

NOTE: This episode comes at a special time as we honor my late father-in-law, Maj. Gen. Roger E. Combs, with the #PancakesForRoger campaign on various social media platforms.  To check out the story behind the endeavor, Click Here!

Music: “Continent” by ANBR via Artlist



Rockstars Rocking Podcast

Absolutely thrilled to be featured this week on Eric Silverman‘s Rockstars Rocking podcast!

Thank you so much Eric, for giving me a platform to share about my journey and my passion for the Mizzou Law Veterans Clinic at the University of Missouri!

Click below to watch the episode!

Want to see more episodes, make sure you CLICK HERE to subscribe!



What’s the good news, ladies? Fall, y’all!

Original Post: BenefitsPro Broker Innovation Lab

Susan L. Combs | September 21, 2020 at 07:47 AM

I cannot believe that 4th Quarter is days away!  That means that open enrollment is on the horizon and oof … how it’s going to be different this year?  Hope you all have your virtual toolkit ready to go; I know we have been busy planning and gearing up for this in our office to make the process as easy and smooth as possible. But we’re all in insurance, right?  So we look at worst case scenario.  If you’re like me, you lay awake in bed thinking “What’s the worst than can happen?” And then you lay awake longer.  Gah!  Good luck, ladies.  Feel free to share the best idea or tool you are using; I’m sure many would love to hear about them.

We had such a blast at the virtual BenefitsPRO Broker Expo this year and got to meet some incredible women that way!  I’m really excited to introduces you to these fine women this month who are keeping it real in the world of COVID, home schooling and just being rockstars in our industry.  Please welcome Sarah, Robin and Sarah to the fold!

Sarah Wilson, Compass Benefit Advisors

“Interesting? Challenging? Uncertain?  I’m not quite sure how to describe the last 12 months.  For me, it has involved creating a new role for myself within a new firm while learning to be a teacher overnight to my 8 and 9 year olds.  Juggling and adapting have become my forte.

One thing I’ve learned is we’re not meant to do this thing called life alone and that it’s OK, even good, to put ourselves out there and lean on others.  Connecting has become my mission, even if only by Zoom.  I’ve pushed myself to make connections with mom friends and other female colleagues a priority, carving out time to share and encourage each another.  In an effort to connect with others, I’ve started a think tank for clients and prospective clients to discuss their good, bad, and ugly and to encourage one another when it comes to topics like COVID, compliance, leadership and employee morale.  It’s served as a great sounding board for human resource leaders.

When you make life a party, not a competition, and give yourself and others an opportunity to connect, it allows everyone to thrive together.  Here’s to ducking, diving and keeping our heads above water!”

Robin Wahby, CLU, Wahby Financial Group, LLC

“I am proud to say I recently conquered a goal that had always eluded me. This goal was to move families from managing money and financial advice to working towards the achievement of life’s purpose and leaving a legacy.  During the pandemic, I have been helping clients feel less anxious and more in control of their finances but am also now beginning to talk about the people and organizations that are important to them.  And talk they did!

Our client families are acting now to preserve their values and goals for future generations.  As a result, estate and charitable planning in my firm has increased significantly.  We have helped more clients than ever before design settlement letters and ethical wills.  An ethical will is a love letter to your family and bequeaths values. It can be as simple as a handwritten letter or a selfie video message.”

Sarah Gottheim, Savoy Associates

“Last month marked my 13-year anniversary in the dynamic health insurance industry. This year has been the most challenging, as the COVID-19 pandemic has affected the nation. Adapting to a new virtual world, companies are expected to conform to an online-driven work environment, including benefits administration. To accomplish this, business owners are relying on trusted brokers.

Working at a leading general agency, it is my job to work hand in hand with my broker partners to provide top-notch benefits consulting for the most sought-after benefits. I have consulted with hundreds of clients and brokers at companies of all sizes and industries to help them keep up to speed on benefits trends and legislative changes.

Relationships are key, and pairing with a strong team with deep knowledge and expertise drives new levels of success. I’m excited for the opportunities to work with dedicated partners to support business growth and boost client satisfaction.”

Know of a rockstar woman in our industry who’s doing things better than the rest?  If so, I’d love to connect!  You can just shoot me over an email with their information or feel free to make a virtual introduction to me at scombs@combsandco.com   Stay safe, sane and mask up, my friends.



College Prep in 2020: Covid GO Bag
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Originally Posted by:  Evelyn Gellar
If you have a child going to college, have them pack an emergency COVID-19 bag in case they test positive and have to quarantine.
In these uncertain times, the possibility exists that your child may test positive, and have to leave his or her dorm for a quarantine location. It’s probably a VERY GOOD idea to have a pre-packed quarantine bag in his or her closet. It would be so much easier to ask a roommate to grab “the blue Nike bag in my closet and my laptop” than to try to figure out what he or she will want/need for two weeks.
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COVID-19 QUARANTINE GO BAG:
  • Extra cell phone charger
  • List of important peoples’ phone numbers written out,
  • List of any allergies
  • 2 or more complete changes of comfy clothes: sweats, PJ Pants, T’s, Fuzzy Socks
  • Fleece throw (take the tiniest one in the house and squish it into an XL Baggie, then force the extra air out.)
  • Thermometer
  • Body Lotion/baby oil
  • Feminine Hygiene,
  • Toothbrush, Toothpaste,
  • Shampoo/Conditioner,
  • Hair comb/brush, Hair Ties
  • Cough Drops
  • Tylenol to bring fever down, help with aches
  • Vicks VapoRub
  • Prescription medications (optional Mucinex DM or Robitussin Cough & Chest Congestion)
  • Tissues
  • Snacks
  • A few Masks
  • Some sort of distraction-even a coloring book and crayons or a deck of cards,
  • Powdered Gatorade to mix in water.
Good luck to all of the college students and also to their parents!
Stay healthy.