Clock A few months may not seem like much, but the alternative is that your business continues to lose a steady drip of funds that could be better put to use in other areas. (Photo: Shutterstock)

As we head into the chillier months of the year, many business owners are looking ahead to their renewal in a few months. Many employers take the time to make changes to their plan when their renewal rolls around, and while this can be a convenient time to talk with your advisor about adjustments you want to make in the new year, there’s no reason to limit yourself to your renewal when deciding to change your benefits plan.

Related: 10 reasons to have ongoing conversations with clients

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