At Modern Woodmen, our brand colors tell a story. In our early days, members would have jewelry decorated with red (representing life, action), white (pure intentions) or green (eternal life) enamel. Today, our official colors are blue and green, often depicted through sky and land imagery. This expresses our rural roots, while conveying growth and a positive future.

Retiring in 2026? Here are three year-end retirement planning tips to help you make the most of your finances before the calendar flips. 1. Maximize retirement contributions. Boost your 401(k), IRA and HSA savings before limits reset! 2. Delay Social Security (if you can). Waiting equals bigger monthly checks later. 3. Review and update your wills, trusts, powers of attorney and health-care directives. Meet with me to discuss!

Looking for fun, cost-friendly DIY projects to add some magic to your holidays? Here are five ideas! 1. DIY garland: String together popcorn, cranberries or paper cutouts. 2. Toilet paper roll crafts: Make Santas, reindeer or mini gift boxes. 3. Mini gingerbread houses: Use graham crackers instead of gingerbread. 4. DIY holiday cards: Use stamps, stickers and recycled paper. Upcycled jar gifts: Fill with homemade treats, bath salts or cocoa mix.

Looking for a meaningful gift this holiday season? Set your grandchildren up for lifelong security with life insurance designed just for them. · Lock in low rates while they’re young. · Protect their future insurability. · Build cash value for college, a first car, or other milestones. Let’s talk about how you can give peace of mind that lasts a lifetime.