Bret Kroencke - Country Financial

01/01/2026

12/28/2025

Have you ever made a rash decision and then kicked yourself later for not waiting the situation out?

For a lot of people, that’s what it’s like investing money in the market. When the market is doing well, it makes you feel unstoppable. But when the market starts dipping below your “comfort zone,” you act out of fear and pull your money.

We understand. The uncertainty of the market can cause some major stress, but if you have a plan in place and a team of experts behind you, then you can ride the waves of the market with confidence.

As a COUNTRY Trust Bank Financial Advisor®️, I can ease your worries and help keep you focused on your financial goals, even when the market is not looking good. Let’s talk more about what your financial future could look like!

Learn more: https://cfin.us/4rcwA2t
----------------------------
we’ve been helping families plan for the future and protect the life they love since 1925. Follow us for ways you can protect what matters most.

12/25/2025

Merry Christmas to your family from mine.

12/23/2025

Are you planning to join the millions of holiday travelers this year? Don’t leave your home unprotected.

Before you lock up and head out, these smart moves help give your home added security while you’re away.

Check out the image to learn simple ways to guard your home when you travel.

For more on how to keep your home protected go to countryfinancial.com/home.

----------------------
has been protecting homeowners since 1925. Follow us for more on how you can protect the things that matter most.

12/21/2025

A good set of reminders to get your farm ready for another cold winter. And don’t forget to check your insurance policy to make sure you’re covered for winter-related risks. I’m just a phone call away when you want to chat.

12/17/2025

Searching for a new car? Before you hit the dealership, check out our Vehicle Affordability Calculator to see what fits your budget!

A few tips to keep in mind:
- Experts recommend keeping monthly car payments under 20% of your take-home pay.
- Got a trade-in? Use its estimated value toward your down payment.
- Longer loan terms = lower monthly payments, but you’ll pay more over time.

Try the calculator now: https://cfin.us/VehicleAffordabilityCalc
--
we’ve been helping families plan for the future and protect the life they love since 1925. Follow us for ways you can protect what matters most.

12/13/2025

Download the COUNTRY Financial app today to easily make payments, submit claims and manage your account.

Head to the app store or Google Play to download today.

12/07/2025

Car accidents are stressful, but they happen...a lot. In 2023, the Department of Transportation reported an estimated 6.14 million crashes. The good news? An accident doesn’t have to derail your week. Knowing what to do and having a plan can make all the difference when the unexpected happens.

Save this post so you have it if you ever need it.

----

we're proud to provide insurance to our clients for 100 years. Follow us for more tips on ways to protect what matters most to you.

11/26/2025

We put together some information to help you understand the basics of a homeowners policy so you’re better prepared when you need to purchase or switch insurance providers. This information is not specific to COUNTRY Financial and is meant to provide a general overview.

◾ What is home insurance?
Home insurance is protection for your home and possessions. You pay your home insurer a premium and in exchange, they agree to pay for the cost to repair or rebuild your home if it’s damaged or destroyed by a covered event (these are outlined in your policy).
____

◾ What does home insurance cover?
Home insurance provides protection against damage caused by sudden and accidental incidents. A standard home insurance policy will usually include three main types of protection:
____

◾ Dwelling Coverage
Designed to repair or rebuild your main home structure, dwelling coverage is the main protection provided by home insurance.
____

◾ Personal Property Coverage
Personal Property Coverage allows you to replace items such as electronics, furniture, clothing and other belongings.
____

◾ Liability Coverage
Liability Coverage provides financial protection for you if someone is injured on your property or a member of your household causes damage to someone else’s property. Umbrella insurance is added liability coverage that goes beyond the limits of your existing car and home insurance.
____

◾ What is a covered loss?
Covered losses are events, sometimes called perils, covered by homeowners insurance. Talk to your insurance agent about the covered losses contained in your specific home policy.
____

◾ How much is home insurance?
Factors affecting the cost of home insurance include: Location, age, size and condition of your home
____

◾ How can I be sure I’m covered for a home insurance claim?
You choose how your property will be valued if you have a claim, and that affects the amount of coverage you have to rebuild. While it may vary by home insurer the levels of protection are actual cash value and replacement cost.
____

Call me for a quote today!

11/23/2025

Deductibles are a key part of your car insurance policy. When you have a car insurance claim, your deductible is the amount of money you pay for car repairs before insurance starts paying.
❔-- How does a deductible work?
When you buy a car insurance policy, you’ll select a deductible amount that you're comfortable paying. Your insurance company will use this amount to set your premium.
If something happens to your car, you’ll file an insurance claim. Your insurance company will take your deductible amount out of the total payout of the claim.
❔-- How do deductibles affect rates?
Your chosen insurance deductible will impact the premium you pay for your car insurance policy. In general, if you choose a higher deductible, you'll have a lower premium, and vice versa.
❔-- Why do I have to pay a deductible?
Insurance deductibles play a key role in how car insurance works. You pay a deductible to help:
• Control insurance costs
• Encourage responsible behavior
• Prevent fraud
As always, contact me so I can help you choose the right deductible for your car insurance needs.
Learn more about ways to save on your car insurance with our Multi-Policy discount here: www.countryfinancial.com/en/multi-policy-discount.html
--
we believe the more you know about insurance, the better prepared you’ll be to make decisions. Follow us for more insurance and financial info.