Richards Associates Inc.

Richards Associates Inc. All Forms of Insurance
www.richardsassoc.com

Many people use HSAs as a long-term savings vehicle. Funds can be invested and allowed to grow for future healthcare exp...
06/23/2026

Many people use HSAs as a long-term savings vehicle. Funds can be invested and allowed to grow for future healthcare expenses, which are often one of the largest costs in retirement.

Studies consistently show that individuals who maximize HSA contributions and invest their balances can accumulate tens ...
06/22/2026

Studies consistently show that individuals who maximize HSA contributions and invest their balances can accumulate tens of thousands of dollars for future healthcare expenses while benefiting from significant tax savings along the way.

"Success usually comes to those who are too busy to be looking for it."
06/19/2026

"Success usually comes to those who are too busy to be looking for it."

Reminder: Don't Choose a Plan Based Only on the Premium: A lower monthly premium may seem attractive, but it's important...
06/18/2026

Reminder: Don't Choose a Plan Based Only on the Premium: A lower monthly premium may seem attractive, but it's important to consider deductibles, copays, coinsurance, and out-of-pocket maximums before making a decision.

Recovery Costs Can Add Up Quickly: Flood damage can result in expensive repairs, temporary housing costs, and the replac...
06/16/2026

Recovery Costs Can Add Up Quickly: Flood damage can result in expensive repairs, temporary housing costs, and the replacement of personal belongings. Having flood insurance can provide valuable financial protection when the unexpected happens.

Coverage Goes Beyond Company-Owned Vehicles: Commercial auto insurance can often be tailored to cover owned, leased, ren...
06/15/2026

Coverage Goes Beyond Company-Owned Vehicles: Commercial auto insurance can often be tailored to cover owned, leased, rented, and even employee-driven vehicles used for business purposes. Every business has unique transportation risks that should be evaluated.

Stress Can Effect The Mind: Stress is one of the brain’s worst enemies. Over time, chronic stress destroys brain cells a...
06/11/2026

Stress Can Effect The Mind: Stress is one of the brain’s worst enemies. Over time, chronic stress destroys brain cells and damages the hippocampus, the region of the brain involved in the formation of new memories and the retrieval of old ones. Studies have also linked stress to memory loss.

Did you know? Families without health insurance are 3x more likely to delay or skip necessary medical care — putting the...
06/10/2026

Did you know? Families without health insurance are 3x more likely to delay or skip necessary medical care — putting their health and finances at serious risk.

A Self Insured Plan is a type of plan usually present in larger companies where the employer itself collects premiums fr...
06/09/2026

A Self Insured Plan is a type of plan usually present in larger companies where the employer itself collects premiums from enrollees and takes on the responsibility of paying employees’ and dependents’ medical claims. These employers can contract for insurance services such as enrollment, claims processing, and provider networks with a third party administrator, or they can be self-administered.

Professional Liability Insurance (also called Errors & Omissions Insurance) covers claims that your services, advice, or...
06/08/2026

Professional Liability Insurance (also called Errors & Omissions Insurance) covers claims that your services, advice, or professional work caused a client financial loss — even if you didn’t actually make a mistake.

Address

1126 Clifton Avenue
Clifton, NJ
07013

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4:30pm

Website

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