How to set up a Section 125 plan which will enable your business to deduct employee contributions on a pre-tax basis, We have found an online service that charges around $100 to set up this document at coredocuments.com. Also included in the attachments is a flyer that explains ERISA laws and how to be in compliance regarding the WRAP SPD document that requires distribution to all your employees on the group health plan. We recommend going to baseonline.com this online company will create the documents need for ERISA & ACA Compliance for a fee of $450 initial set up and a renewal fee of $300.




Please do not hesitate to contact us if you have any questions regarding this information. We greatly appreciate your business and look forward to servicing your health insurance needs.


Section 125 Cafeteria Plans Overview 7.24.19

3567 Summary Plan Descriptions 07 23 19


ERISA Fact Sheet


The beginning of 2020 has been quite a ride so far. I wanted to let you know that I’m still here for you during this difficult time. Our office is open for normal business hours but we would prefer that you stay home and call us with any questions or concerns you might have.
Part of why I’m here is to help you navigate through uncertain periods, even during “social distancing.” While many of us are collectively pausing face-to-face contact, there are plenty of other ways of staying connected. I’d love to hear from you, so please feel free to reach out to me via email or phone anytime, for any reason.
For our Department of Licensing in Cle Elum:
Please try to renew your tabs online and we will mail your tabs out to you, if you need to come in call first and we can bring your tabs out to you.
We’re in this together, and we’ll come out of it together.
Meanwhile, I’m wishing you peace and good health.

Well it is that time of year again when we stuff our face with turkey, stuffing, rolls, pie and many other fixings. But most of the time we over look what Thanksgiving is really about, being thankful. This year we asked everyone in our office to tell us what they are thankful for and to provide some yummy recipes to share.


Diana is thankful for her faith, family and Mitchell, Reed & Schmitten Insurance/ Elliott.

Mandi is thankful for her friends, family, health and her network of amazing people that truly do so much to support one another. She is also thankful for the many opportunities that have allowed her to be in the place she is today.

Larissa is in the Thanksgiving spirit and is thankful for FOOD, family and friends.

Penny is thankful for a loving family and a great work family!

Debbie is thankful for her family! Her mom is spending her first Thanksgiving with Jesus.

 “Time together is precious. So, this Thanksgiving love one another” –Debbie

Samantha is thankful for her wonderful boyfriend, her family and the Yakima community.

“Without the opportunities my company and the community has provided me I wouldn’t be where I am in my career today”.

– Samantha

Jamie is thankful for her wonderful family.

Ashlee is thankful for her amazing family.

Jeannie is thankful for her large family.



Recipes from us to you!

Jamie’s favorite Thanksgiving Recipe

Classic Green Bean Casserole


1 can of (10 ½ ounces) Campbell’s Condensed Cream of Mushroom Soup

½ cup of milk

1 teaspoon soy sauce

1 dash black pepper

4 cups cooked cut green beans

1 1/3 cups French’s French Fried Onions


How to make it:

Step 1: Stir the soup, milk, soy sauce, black pepper, beans and 2/3 cup onion in a 1 ½ quart casserole

Step 2: Bake at 350°F. for 25 minutes or until the bean mixture is hot and bubbling. Stir the bean mixture. Sprinkle the remaining onions.

Step 3: Bake for 5 minutes or until the onions are golden brown.



Debbie’s favorite Thanksgiving recipe

Cheesy Potatoes


2 pounds frozen hash browns, thawed (southern style)

½ cup melted better

2T dried onion flakes

1t. salt

1 can cream of mushroom soup

1 pint sour cream

2 cups grated cheese (cheddar)


¼ cup melted butter

Mixed with 2 cups crushed corn flakes

How to make it:

Step 1: Combine all ingredients except topping. Preheat oven to 350°F.

Step 2: Spread mixture evenly into a 13” by 9” baking dish. Sprinkle topping

Step 3: Bake at 350°F for 45 minutes to an hour (until bubbly and lightly browned).



Samantha’s Favorite Thanksgiving Recipe

Grandma’s Apple Pie


1 Betty Crocker Pie Crust

8 Granny Smith Apples

1 Cup of Sugar

2-3 Tablespoons of Flour

1-2 Teaspoons of Cinnamon

How  to make it:

Step 1: Preheat oven to 400°F. Using the Betty Crocker pie crust mix, make crust and roll out one crust and place on the bottom of the pie pan. Setting the other layer to the side.

Step 2: Peel the granny smith apples and slice them thinly. In a small bowl mix together sugar, flour and cinnamon, toss apples in this mixture.

Step 3: Place apples into the pie pan over the bottom crust, then place the second crust on top of the apples.

Step 4: Make thin slices on the top crust. Crimp the bottom and the top crust together. Bake on the lower self of the oven at 400°F for an hour.


Mandi’s Favorite Thanksgiving Recipe

Ham Glaze


1 Jar of Maraschino Cherries

1 tsp of Maraschino Juice

1 Can of Pineapple Rings

1/2 Cup of juice apricot preserves

3 Apricot halves

1/4 cup Karo Syrup or 1/4 cup of honey

1 Cup of brown sugar

1 can mandarin oranges juice

1 tsp powdered mustard

1/2 Cup pineapple juice (mix with 1 tsp corn starch)

Box of toothpicks

How to make it:

Step 1: Mix all but pineapples, apricots and cherries in a pan, stir constant, bring to a boil, let it cook down to half. Add half of the pineapples and cherries and all 3 apricot halves.

Step 2: Follow instructions on how to cook the ham and about 1 hour before the end of baking attach remainder of pineapple rings and cherries to the ham with toothpicks, pour half the glaze evenly over the ham, cover with foil.

Step 3: About 30 minutes before the end of baking make slices in the ham and pour the rest of the glaze over the ham.


Not FDIC Insured | No Bank Guarantee | May Lose Value | Not Insured by any Federal Government Agency | Not a Bank Deposit

Whipsaw Brewing

Ellensburg, WA

Whipsaw Brewing was established in 2015 by Charlie and Debbie Tierney. Charlie and Debbie are originally from Aberdeen, WA and dreamed of owning a brewery one day. The couple has roots in Ellensburg, WA and wanted to move back to Central Washington to be closer to family and make their dream a reality.


(Owners Debbie and Charlie at the Taproom with Liquor License)

First beer: While touring a brewery one day, Debbie turned to Charlie and said, “If you can make me a beer that I’ll love, then let’s do this thing”. Charlie came up with the Buzz On Blackberry Wheat Ale and that sold Debbie. Their idea was starting to become a reality.


(Construction of the Tap Room)

Charlie and Debbie found 704 N Wenas St and started construction to build the perfect tap room. Charlie spent 20 dedicated years as a logger and they used his former career as the theme of their brewery.

When you walk into Whipsaw you immediately notice the logger theme with vintage saws, handmade wood tables and custom tap handles.  You can feel the warmth and creativity that the owners put into this brewery the moment you sit down.

Keeping with the Logger theme, Charlie and Debbie named some of their beers after logging terms. You’ll find beers like the Widowmaker IPA and the Hoot Owl Stout.


Personal Note: My name is Samantha and I am a marketer and agent at Elliott Insurance/ Mitchell, Reed and Schmitten. I went to college in Ellensburg and Whipsaw was the first brewery I had ever been too. I wasn’t really into beer yet and didn’t know what to start with. I asked the gentleman behind the counter what he would recommend and he gave me the Buzz On Blackberry Wheat Ale. This was completely different than the basic beers I had drank before. Now that I am an Alumni of CWU I make it a priority to stop into Whipsaw and have a beer every time I go through Ellensburg. Thank you Charlie and Debbie for the warmth and sense of community you have established with Whipsaw. Can’t wait to go back again.



“With dedication to the quality of our craft and commitment to our community, we strive to produce extraordinary beer with an old-school mentality”

-Charlie Tierney



Not FDIC Insured | No Bank Guarantee | May Lose Value | Not Insured by any Federal Government Agency | Not a Bank Deposit

Today we say thank you to all the men and women who have served our country with Bravery, honor and commitment. Your altruistic service is a blessing to everyone, you allow us to sleep easy at night and go through our day in peace. These brave men and women and their families have made the ultimate sacrifice and for that we thank you.


Paul Cook -(Samantha’s Dad)

Branch: Air Force

Rank: Lieutenant Colonel

20 years of Service

“Our debt to the heroic men and valiant women in the service of our country can never be repaid. They have earned our undying gratitude. America will never forget their sacrifices”

   -President Harry Truman

Ed Field- (Craig’s Dad)

Branch: Army National Guard

Rank: Sergeant 1st Class E-7


“Some people live an entire lifetime and wonder if they have ever made a difference in the world. A veteran doesn’t have that problem”

-President Ronald Reagan


Jack Adamson- (Jackie V. Son)

Branch: Marine Corps

Rank: Lance Corporal

2008-2012 (1 tour in Afghanistan)


“We don’t know them all but we owe them all”


Mark Stevenson- (Jessica Husband)

Branch: Marine Corps

Rank: Sergeant

“A hero is someone who understands the responsibility that comes with his freedom”

  -Bob Dylan

James Emmett Clifford- (Jamie’s Grandpa)

Branch: Army

Rank: First sergeant of Black Horse Infantry

“And I’m proud to be an American, where at least I know I’m free. And I won’t forget the men who died, who gave that right to me”

      -Lee Greenwood


John Holzheimer-  (Cathy’s Dad)

Branch: Army

Rank: Sergeant


“True heroism is remarkably sober, very undramatic. It is not the urge to surpass all others at whatever cost , but the urge to serve others at whatever cost.”

-Arthur Ash


Henry Zamudio- (Works at MR&S)

Branch: Marine Corps

Rank: Corporal

Service: 2008-2014

“This nation will remain the land of the free only so long as it is the home of the brave”

-Elmer Davis


Alan Klise- (Mandi’s Husband)

Branch: Marine Corps

Served in: Desert Storm

“As we express our gratitude, we must never forget that the highest appreciation is not to utter the words but to live by them.”

-John F. Kennedy


Matthew Wilber- (Stephanie’s brother in law)

Branch: Army

Rank: E5-2nd Class Petty Officier

Aviation Electronics Technician


“The legacy of heroes is the memory of a great name and the inheritance of a great example”

-Benjamin Disraeli


Ernst Reich- (Debbie’s Dad)

Branch- Army

Rank: Specialist 4th Class E4


The photos and names above are of family members and colleagues who have served in our armed forces. We are all so proud and honored to know them and share our thanks to you all. We salute all our past and present Veterans.


Not FDIC Insured | No Bank Guarantee | May Lose Value | Not Insured by any Federal Government Agency | Not a Bank Deposit

This is a series Elliott Insurance Service is starting for our clients called “Biz Blast”. We want to spotlight them and their amazing business to give them the recognition they deserve. Both the Yellow Church Cafe and Roslyn Mexican Grill are our clients and have allowed us to share their story and delicious cuisine with you. Enjoy!

The Yellow Church Café was built in 1923 as a church for German Lutherans. Since then, the building has served many purposes and is now a restaurant. Owners Shonda and Oscar believe that food, friends and fellowship go hand in hand.



The Yellow Church Café focuses their food around pacific seasonal ingredients. They are privileged to have some of the best farmers on the east side of Washington State, including the best wines and micro-brews. Their number one focus is to insure quality and freshness, they work with local seasonal ingredients, focus on baking all their bread daily, cutting their own meats and using only the freshest ingredients.



The Roslyn Mexican Grill

Roslyn Mexican Grill shares the same owners as The Yellow Church Café. There has been a renewed interest from the owners to get back to their culinary roots, Roslyn Mexican Grill has taken this idea by the reigns and is offering many different dishes cooked in the traditional style from several different states in Mexico.




Corn, squash, beans and chili’s made up a majority of the dishes used before the Spanish conquest, as well as a wide variety of spices, chocolate and tomatoes (which were thought poisonous by Europeans). All of these different foods work together to create some incredible flavors unique to each specific locale in which they are prepared.

Not FDIC Insured | No Bank Guarantee | May Lose Value | Not Insured by any Federal Government Agency | Not a Bank Deposit

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a ton of money!

I certainly don’t mean to be a “Debbie Downer”, and I know that if it’s done right it can be lucrative, but from an insurance agent’s perspective, I don’t see a lot of people doing it right.

So you’re probably thinking, “Well Chris, you are an insurance agent. What do you know about real estate or rental properties? Why should I take advice from you?”

I’m not a real estate agent, and I don’t own a rental property. However, several of my friends/family/clients/co-workers own rentals, and because I insure a bunch of their properties, I’ve had a first hand account of the process, and I’ve learned what to do, and what not to do.

Continue reading →

Why do my auto insurance rates keep going up even though my car is getting older?  At Elliott Insurance, many of our clients ask this question so I would like to address it from a couple of angles.

First things first, even though it’s called car/auto insurance, it covers more than just your car. It should technically be called “auto-owners” insurance, similarly to how home insurance is actually called “home owners insurance”.

It’s important to understand that there are a lot of variables that go into insurance premiums, and with auto insurance, it’s no different.

The insurance company is much more concerned with you crashing into someone and causing them (or yourself) bodily harm, or death, than they are about your car. A car is a material possession which can be replaced.

A human life is not.

When is the last time you looked at your auto insurance policy?
If you look at it you’ll notice there are a lot of different coverages on your auto policy.

Bodily injury
Property damage
Un-insured motorist
Under-insured motorist
Medical Payments
Loss of Income
Funeral Expense
Loss of use
Rental Reimbursement

These are all things that you are covered for on your auto policy. How many of them have to do with your car?


How many of them have a price next to them on your policy?

All of them.

Your car isn’t the only thing you’re being charged for on your policy
That’s because auto insurance covers far more important things than your car as mentioned above.

Let me re-phrase that: your car insurance rate isn’t just based on your car.

You’re not the only one…
It’s also important to understand that you are not the only person your insurance company insures. You are one fish in an ocean of other fish, sharks, and sea creatures, all who have different characteristics and risk profiles.

Insurance is all about spreading costs over a large number (risk pool) of people, which each person paying their fare share. That risk pool is constantly changing, and is impacted by a ton of different things, including the overall economic climate.

This means that you are sharing in the cost of millions of other people, many of whom may have poor loss history and/or credit.

That’s what insurance is though — sharing in the cost.

The next time your auto insurance rates go up, take a look at the big picture. Make sure you’re looking at ALL of the coverages, and corresponding rates.

Hope this helps!  If you would like to know more about Car Insurance be sure to visit our page dedicated to it.