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Another strategy we actively employ is investing into companies with durable growth that are building sustainable competitive advantages that we expect to one day become wide moat. Winners tend to win big, which is why we pursue companies that are emerging as winners of their space. I am not an expert on technology, but I surround myself […]

One of the strategies we employ is what we call Wide-Moat Growth or sometimes we refer to this as forever quality value growth compounders. These are some of the greatest companies in the world, less than 1% of publicly traded companies would be in this category. Often these companies are fully priced, but occasionally there […]

The pandemic, coupled with a hard market cycle, has forced brokers and insurers to prioritize risk differently. After waves of ransomware attacks and security breaches, it’s no surprise that cyber security and cyber education is top of mind in this equation. Cyber risk has taken centre stage with the shift to remote working models last […]

Investing requires a solid understanding of economics, business and human nature. Essentially there are two main parts to investing: 1. The Science Side (economics, business, finance) and 2. The Human-Nature Side (understanding our biases, controlling our emotions, understanding politics and having good understanding of human nature). I am certainly not an expert on every business […]

The Internal Revenue Service (IRS) has released Rev. Proc. 2021-36, which contains the inflation adjusted amounts for 2022 used to determine whether employer-sponsored coverage is “affordable” for purposes of the Affordable Care Act’s (ACA) employer shared responsibility provisions and premium tax credit program. As shown in the table below, for plan years beginning in 2022, the […]

On an annual basis, The Centers for Medicare and Medicaid Services (CMS) require all employers who provide a group health plan to their employees to disclose whether the plan has creditable drug coverage under Medicare Part D. Employers must notify CMS and all Medicare-eligible participants in the health plan of the plan’s drug coverage status. […]