Scantlebury Wealth Management

  When we think about surviving a critical illness like cancer, a stroke, or a major cardiovascular event, we tend to focus on things we can see: our genetic history, what we eat, how often we exercise, and the skill of our medical team. But public health data reveals a much starker truth. One of the most powerful predictors of whether you develop a critical illness—and whether you survive it—isn’t written in your DNA. It’s stamped on your mail. Where you live dictates your environment, your stress levels, and your access to life-saving care. This phenomenon is deeply tied to the “social determinants of health (SDOH)”: the non-medical factors that shape our daily lives. Accordingly, it is not a surprise that public health experts frequently point out that your postal code matters as much as your genetic code when it comes to your health outcomes. However, when it comes to true financial wellness during a medical crisis, there is another factor that dictates your survival: whether y...

I think we can agree that if a business owned a machine that spit out $200,000 a year, that same business would insure that same “money-making” machine for as much as they could.  Well, in the case of most businesses, the business owners are the machine; they are the source of the energy which ensures that any company makes money.  In most ways, businesses are a symbol, a trophy, that represent years of hard work, dedication and a legacy.  However, the very factor that makes a business thrive—the owner’s leadership and vision—is also its greatest vulnerability. Don’t let an injury or an illness derail everything that you’ve worked hard to build. Business-owned disability insurance serves as a lifeline for your business, providing a monthly income to help you keep your business running when you cannot be there. While a disability can often be visible to the naked eye, not all disabilities are so easily recognized; chronic pain or a mental health issue can also qualify as a...