Modern Woodmen is partnering with Wreaths Across America to remember and honor veterans by laying wreaths on their graves this December. You, your family and friends can help honor our fallen heroes by volunteering at one of our local cemeteries. (And/or you can sponsor a wreath to be placed on a gravestone at Arlington National Cemetery. Modern Woodmen will match each purchase, wreath for wreath, doubling your impact.) Learn more: Wreathsacrossamerica.org/modernwoodmen

Life is unpredictable: a surprise bill shows up, the car breaks down, or the AC stops working on the hottest day of the year. These aren’t “if” moments — they’re "when" moments. Let’s build your financial safety net so life’s surprises don’t become setbacks.