Choosing between a single family office, or SFO, and a multi family office, or MFO, is not simply a question of cost or investment strategy. It is a risk management decision. Single family offices provide a high degree of control and customization, which can be well suited for families with…

After a prolonged period of rising premiums and tighter underwriting, the commercial real estate insurance market is beginning to show signs of stabilization. Following several years in a hard market cycle, many organizations are seeing insurance premium reductions, increased underwriting flexibility, more favorable terms and broader policy options across a…

At Oswald, commitment to community is more than a value. It is something we put into action. This week, Oswald employee‑owners came together for a two‑day effort to support the Greater Cleveland Food Bank, helping address food insecurity across Northeast Ohio through both donations and hands‑on service. From Oswald Tower…

The workforce is constantly evolving, and so are employees’ needs and expectations, especially when it comes to their benefits. A one-size-fits-all approach is no longer enough. Today’s employees want benefits that make a real difference in their lives.   One way to deliver true value is through family building support.  An increasing number of employers are recognizing the importance of comprehensive family planning and fertility benefits.…

Market volatility often dominates conversations about wealth. Yet recent financial commentary suggests that everyday personal risk may pose a more immediate and lasting threat. A widely shared analysis highlighted how uninsured or underinsured events, such as liability claims or property losses, can disrupt financial plans far more quickly than market…

When employee benefits costs keep climbing, it’s hard for employers to feel in control. Rising medical costs, more high-cost claims, and the growing use of specialty drugs gene therapies all hit the bottom line, leaving many employers feeling like they are just watching the numbers go up.  But employers don’t have to sit back while the costs…

When people talk about risk in family offices, the conversation often begins and ends with investments. Market volatility, asset allocation, and return assumptions tend to dominate attention. Many family offices, however, recognize a quieter reality. Some of the most significant risks families face are personal, not financial. Litigation, liability, liquidity…

Employee benefits have become a key part of the hiring and retention of employees in today’s hiring market. There is increased stress on compensation as demand for higher salaries and pay rates come from potential hires and the existing workforce. An employer’s willingness to put the time and effort into…

Today’s headlines are filled with talk about inflation and rising prices. Although the recent Consumer Price Index reporting has showed a slight curve in trend, businesses will continue to deal with the balancing act of absorbing cost increases while retaining employees. The cost of labor and benefits continues to rise,…

In aging services, some of the most significant insurance costs are not driven by catastrophic events, they are built over time through everyday operational strain. Workforce fatigue is one of the most overlooked drivers of claims frequency, severity and ultimately, total cost of risk. It often develops gradually, yet its…