J. Krug is a Risk Management Insurance & Financial Services Consulting firm.As Vice President / Principal overseeing the Benefits & Financial Services Team, Logan Simios and our Team have successfully helped businesses manage their Total Cost of Risk & Total Cost of Human Capital.Our Team responds to customer needs by helping to protect them, their company employees and their families with comprehensive coverages; reduce and control carrier premium increases and other related administrative costs with creative solutions; provide resources to assist individuals with living healthier lifestyles; and to protect their assets to help avoid financial hardship.For each individual client, we strive to help create financial stability and security eventually leading to financial independence. Logan works very closely with business owners, executives, employees and individuals providing insurance, tax, investment, wealth management and retirement planning solutions & advice. After graduating from Illinois State University with an accounting degree, Logan earned status as a Certified Public Accountant. Logan continues to maintain his CPA license today.Specialties: Group & Individual Health; Health & Financial Wellness Initiatives; Captives, Self and Level Funding; Health Savings Accounts (HSA); Health Reimbursement Arrangements (HRA); School District Benefits; Financial Independence Strategies; Retirement & 401(k) Plan Advisory Services; Annuities; Financial Solutions involving Life Insurance; Long-Term Care; Life Settlements (selling existing senior life policies); Disability; Medicare Supplements; Risk Management; Business Insurance, General & Professional Liability, Property, Workers’ Compensation, Cyber Security Data Breach Coverage, etc.Securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker dealer and Registered Investment Advisor. Cetera is under separate ownership from any other named entity.