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	<title>Clark &#38; Associates</title>
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	<link>http://clarkandassoc.com</link>
	<description>Employee Benefit Solutions</description>
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		<title>Spotlight on Small Business</title>
		<link>http://clarkandassoc.com/client-tools/spotlight-on-small-business/</link>
		<comments>http://clarkandassoc.com/client-tools/spotlight-on-small-business/#comments</comments>
		<pubDate>Wed, 28 Dec 2011 12:00:02 +0000</pubDate>
		<dc:creator>benefits</dc:creator>
				<category><![CDATA[Client Tools]]></category>

		<guid isPermaLink="false">http://clarkandassoc.com/?p=909</guid>
		<description><![CDATA[See how Humana&#8217;s coverage options are designed to work together, offer greater savings, increase productivity, and promote lifelong well-being. Watch the Video.]]></description>
			<content:encoded><![CDATA[<p>See how Humana&#8217;s coverage options are designed to work together, offer greater savings, increase productivity, and promote lifelong well-being. <a title="Humana Small Business Employee Benefits Video" href="http://www.humana.com/employers/smallbusiness/" target="_blank">Watch the Video.</a></p>
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		<title>More layers of security for greater levels of protection</title>
		<link>http://clarkandassoc.com/client-tools/more-layers-of-security-for-greater-levels-of-protection/</link>
		<comments>http://clarkandassoc.com/client-tools/more-layers-of-security-for-greater-levels-of-protection/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 22:46:23 +0000</pubDate>
		<dc:creator>benefits</dc:creator>
				<category><![CDATA[Client Tools]]></category>

		<guid isPermaLink="false">http://clarkandassoc.com/?p=902</guid>
		<description><![CDATA[LifeLock® Identity Theft Protection. At LifeLock, identity theft protection is all they do. They offer a full suite of products and services to help safeguard you and all you’ve worked for. Download the Video. (wmv)]]></description>
			<content:encoded><![CDATA[<h2>LifeLock® Identity Theft Protection.</h2>
<p>At LifeLock, identity theft protection is all they do. They offer a full suite of products and services to help safeguard you and all you’ve worked for. <a title="Download LifeLock Video (Windows Media Video)" href="http://excelsiorcompanies.com/wp-content/uploads/2011/10/LifeLock-B2B-Benefits-Video.wmv" rel="shadowbox[sbpost-902];width=640;height=385;" target="_blank">Download the Video. (wmv)</a></p>
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		<title>Las Vegas Review : The Political Eye : November 2011</title>
		<link>http://clarkandassoc.com/clark-in-the-news/las-vegas-review-the-political-eye-november-2011/</link>
		<comments>http://clarkandassoc.com/clark-in-the-news/las-vegas-review-the-political-eye-november-2011/#comments</comments>
		<pubDate>Thu, 10 Nov 2011 19:25:54 +0000</pubDate>
		<dc:creator>benefits</dc:creator>
				<category><![CDATA[Clark In the News]]></category>

		<guid isPermaLink="false">http://clarkandassoc.com/?p=881</guid>
		<description><![CDATA[Valerie Clark, President of Clark &#38; Associates, travels great distances to work with our state and federal legislators on issues affecting employers and medical providers. SoNev business owners call for new regulation time out - The Political Eye &#8211; ReviewJournal.com &#8230; <a href="http://clarkandassoc.com/clark-in-the-news/las-vegas-review-the-political-eye-november-2011/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Valerie Clark, President of Clark &amp; Associates, travels great distances to work with our state and federal legislators on issues affecting employers and medical providers.</p>
<h2>SoNev business owners call for new regulation time out</h2>
<p>- The Political Eye &#8211; <a title="See the full article at ReviewJournal.com" href="http://www.lvrj.com/blogs/politics/SoNev_business_owners_call_for_new_regulation_time_out.html" target="_blank">ReviewJournal.com</a></p>
<h2><a href="http://clarkandassoc.com/wp-content/uploads/2011/11/small_biz_conference.jpg" rel="shadowbox[sbpost-881];player=img;" title="Valerie Clark in Washington at the campaign by the small-business lobby  (second from the lower right)"><img class="alignleft size-medium wp-image-885" title="Valerie Clark in Washington at the campaign by the small-business lobby  (second from the lower right)" src="http://clarkandassoc.com/wp-content/uploads/2011/11/small_biz_conference-300x235.jpg" alt="Valerie Clark in Washington" width="300" height="235" /></a></h2>
<p>Several Nevada business owners in Washington on Tuesday joined a campaign by the small-business lobby calling on President Barack Obama to ease up on new regulations they said are adding to the squeeze of a bad economy.</p>
<p><a title="See the full article at ReviewJournal.com" href="http://www.lvrj.com/blogs/politics/SoNev_business_owners_call_for_new_regulation_time_out.html" target="_blank">Read the full article here at ReviewJournal.com</a></p>
<p>&nbsp;</p>
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		<title>Total Income Protection Analyzer</title>
		<link>http://clarkandassoc.com/client-tools/total-income-protection-analyzer/</link>
		<comments>http://clarkandassoc.com/client-tools/total-income-protection-analyzer/#comments</comments>
		<pubDate>Wed, 24 Aug 2011 00:42:04 +0000</pubDate>
		<dc:creator>benefits</dc:creator>
				<category><![CDATA[Client Tools]]></category>

		<guid isPermaLink="false">http://clarkandassoc.com/?p=867</guid>
		<description><![CDATA[Assurant Employee Benefits It takes many forms to pay an employee who is unable to work. Sick leave, PTO, STD, LTD. The acronyms and arrangements of plans seem endless. When should one coverage end and another begin? What is an &#8230; <a href="http://clarkandassoc.com/client-tools/total-income-protection-analyzer/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<h2>Assurant Employee Benefits</h2>
<p>It takes many forms to pay an employee who is unable to work. Sick leave, PTO, STD, LTD. The acronyms and arrangements of plans seem endless. When should one coverage end and another begin? What is an employer’s intention? <a href="http://www.assurantemployeebenefits.com/816/aebcom/assurant_tip_analyzer/">Try the Total Income Protection Analyzer</a> from Assurant.</p>
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		<title>Affordable Care Act Rules effecting Women in 2012</title>
		<link>http://clarkandassoc.com/client-tools/affordable-care-act-rules-effecting-women-in-2012/</link>
		<comments>http://clarkandassoc.com/client-tools/affordable-care-act-rules-effecting-women-in-2012/#comments</comments>
		<pubDate>Wed, 24 Aug 2011 00:32:40 +0000</pubDate>
		<dc:creator>benefits</dc:creator>
				<category><![CDATA[Client Tools]]></category>

		<guid isPermaLink="false">http://clarkandassoc.com/?p=865</guid>
		<description><![CDATA[In August of 2012, there will be many changes effecting health care for Women. Information on Affordable Care Act Rules on Expanding Access to Preventive Services for Women can be found here at healthcare.gov]]></description>
			<content:encoded><![CDATA[<h2>In August of 2012, there will be many changes effecting health care for Women.</h2>
<p>Information on Affordable Care Act Rules on Expanding Access to Preventive Services for Women can be found <a title="Affordable Care Act Rules effecting Women in 2012" href="http://www.healthcare.gov/news/factsheets/womensprevention08012011a.html" target="_blank">here</a> at healthcare.gov</p>
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		<slash:comments>0</slash:comments>
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		<title>Up-to-date information on Health Care Reform and Legislation</title>
		<link>http://clarkandassoc.com/client-tools/up-to-date-information-on-health-care-reform-and-legislation/</link>
		<comments>http://clarkandassoc.com/client-tools/up-to-date-information-on-health-care-reform-and-legislation/#comments</comments>
		<pubDate>Wed, 24 Aug 2011 00:00:45 +0000</pubDate>
		<dc:creator>benefits</dc:creator>
				<category><![CDATA[Client Tools]]></category>

		<guid isPermaLink="false">http://clarkandassoc.com/?p=863</guid>
		<description><![CDATA[Healthcare.gov A federal government Website managed by the U.S. Department of Health &#38; Human Services in Washington, D.C. Visit Healthcare.gov]]></description>
			<content:encoded><![CDATA[<h2>Healthcare.gov</h2>
<p>A federal government Website managed by the <a href="http://www.hhs.gov/">U.S. Department of Health &amp; Human Services</a> in Washington, D.C.</p>
<p>Visit <a title="Visit Healtcare.gov for information on Health Care Reform and Legislation" href="http://healthcare.gov" target="_blank">Healthcare.gov</a></p>
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		<title>Health Savings Accounts (HSAs)</title>
		<link>http://clarkandassoc.com/client-tools/health-savings-accounts/</link>
		<comments>http://clarkandassoc.com/client-tools/health-savings-accounts/#comments</comments>
		<pubDate>Tue, 23 Aug 2011 20:33:13 +0000</pubDate>
		<dc:creator>benefits</dc:creator>
				<category><![CDATA[Client Tools]]></category>

		<guid isPermaLink="false">http://clarkandassoc.com/?p=839</guid>
		<description><![CDATA[OptumHealthBank A health savings account (HSA) is a bank account you can use to plan, save and pay for qualified medical expenses if you have a high-deductible health plan. Visit OptumHealthBank for more information.]]></description>
			<content:encoded><![CDATA[<h2>OptumHealthBank</h2>
<p>A health savings account (HSA) is a bank account you can use to plan, save and pay for qualified medical expenses if you have a high-deductible health plan.</p>
<p>Visit <a title="OptumHealthBank HSA Health Savings Accounts" href="http://www.optumhealthbank.com/ProductServices/HealthSavingsAccounts/" target="_blank">OptumHealthBank</a> for more information.</p>
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		<title>Health and Employee Benefits Account Education Resources</title>
		<link>http://clarkandassoc.com/client-tools/optumhealth-open-enrollment-1-2-3/</link>
		<comments>http://clarkandassoc.com/client-tools/optumhealth-open-enrollment-1-2-3/#comments</comments>
		<pubDate>Tue, 23 Aug 2011 19:43:21 +0000</pubDate>
		<dc:creator>benefits</dc:creator>
				<category><![CDATA[Client Tools]]></category>

		<guid isPermaLink="false">http://clarkandassoc.com/?p=834</guid>
		<description><![CDATA[OptumHealth Open Enrollment 1-2-3 from the OptumHealth Education Suite OptumHealth has provided us with wonderful support, training and education materials to help your employees better understand and engage in the benefits enrollment process. Visit OptumHealth Open Enrollment 1-2-3 for a &#8230; <a href="http://clarkandassoc.com/client-tools/optumhealth-open-enrollment-1-2-3/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<h2>OptumHealth Open Enrollment 1-2-3 from the OptumHealth Education Suite</h2>
<p>OptumHealth has provided us with wonderful support, training and education materials to help your employees better understand and engage in the benefits enrollment process.</p>
<p>Visit <a title="Optum Health Enrollment 1-2-3" href="http://www.openenrollment123.com/" target="_blank">OptumHealth Open Enrollment 1-2-3</a> for a tour.</p>
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		<title>Small Employer Health Insurance Credit</title>
		<link>http://clarkandassoc.com/client-tools/small-employer-health-insurance-credit/</link>
		<comments>http://clarkandassoc.com/client-tools/small-employer-health-insurance-credit/#comments</comments>
		<pubDate>Tue, 23 Aug 2011 14:38:47 +0000</pubDate>
		<dc:creator>benefits</dc:creator>
				<category><![CDATA[Client Tools]]></category>

		<guid isPermaLink="false">http://clarkandassoc.com/?p=825</guid>
		<description><![CDATA[Assurant Small Business Tax Credit Tools The Small Employer Health Insurance Credit, enacted earlier in 2010, has left many small employers unsure about whether they are eligible. Assurant has provided us with the following tools to help you determine your &#8230; <a href="http://clarkandassoc.com/client-tools/small-employer-health-insurance-credit/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<h2>Assurant Small Business Tax Credit Tools</h2>
<p>The Small Employer Health Insurance Credit, enacted earlier in 2010, has left many small employers unsure about whether they are eligible. Assurant has provided us with the following tools to help you determine your eligibility and potential credit.</p>
<p>Visit <a title="Assurant guide to Small Employer Health Insurance Credit" href="http://www3.employeebenefitsonline.com/l/813/2010-10-19/OCJ73" target="_blank">Your Guide to the Small Employer Health Insurance Credit</a></p>
<p>Try <a title="Assurant Small Employer Health Insurance calculator" href="http://www.assurantemployeebenefits.com/816/aebcom/assurant_tax_calculator/" target="_blank">Assurant Online Calculator</a></p>
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		<title>InFront : Assurant Newsletter : Summer 2011</title>
		<link>http://clarkandassoc.com/clark-in-the-news/assurant-newsletter-summer-2011/</link>
		<comments>http://clarkandassoc.com/clark-in-the-news/assurant-newsletter-summer-2011/#comments</comments>
		<pubDate>Tue, 02 Aug 2011 23:11:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Clark In the News]]></category>

		<guid isPermaLink="false">http://clarkandassoc.com/?p=767</guid>
		<description><![CDATA[Click Here for the original article from Assurant &#160; Reno Agency Shakes Things Up for More Sales Broker Profile Reorganization Plan Reaps Immediate Dividends When InFront last caught up with Valerie Clark, the world was a much different place. It &#8230; <a href="http://clarkandassoc.com/clark-in-the-news/assurant-newsletter-summer-2011/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><a title="Assurant Employee Benefits Newsletter" href="http://newsletternet.com/newsletter.asp?clientcode=BLDSNOMBYG&amp;issueid=2542&amp;newsid=4" target="_blank">Click Here for the original article from Assurant </a></p>
<p>&nbsp;</p>
<h1>Reno Agency Shakes Things Up for More Sales</h1>
<p>Broker Profile</p>
<h2>Reorganization Plan Reaps Immediate Dividends</h2>
<p>When InFront last caught up with Valerie Clark, the world was a much different place. It was 2007 and the economy was booming in Reno, Nev. So was business at Clark and Associates, the agency she joined nearly 20 years ago. Today, Nevada has the nation’s highest unemployment and foreclosure rates, and a number of clients are no longer around.</p>
<p>So how can Clark be talking about growth? She now has the right structure in place.</p>
<h2>From Pain Comes Gain</h2>
<p>Last fall, Clark brought in a consultant to help her revitalize the agency and put it on a strategic course. She admits the recent reorganization and refocus on sales was born out of necessity, perhaps even survival.</p>
<p>“Before the economy got bad, we were fortunate to have a couple big blocks of business, so as painful as it was to lose some clients, it didn’t kill our business. Still, I was scared,” she said. “It made us realize the importance of selling again.”</p>
<p>Beyond the business Clark brought in herself, she said there hadn’t been much production from others in the agency before or after the recession hit: “I don’t think we were complacent; we just seemed to be focused more on serving the clients we had than bringing in new business. I didn’t have the right environment for other producers to sell in.”</p>
<p>The consultant helped her to dig deep and determine where she wanted the agency to be in five years, and develop a plan to get there. </p>
<p><a title="InFront Newsletter" href="http://newsletternet.com/newsletter.asp?clientcode=BLDSNOMBYG&amp;issueid=2542&amp;newsid=4" target="_blank">Full Article >>></a></p>
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