Dear Friends and Clients:

As promised, we continue our efforts in educating you!  Our next seminar will be:

• Date: December 5, 2006.
• Place: LaCumbre Country Club.
• Topic:  Do you have a complete and competitive employee benefit offering?  Do you know how you can reduce key employee turnover by 20%? Do you know the two benefits that actually save you money? Are you reaping the rewards of workplace wellness? Learn how to lower healthcare costs, turnover and absenteeism while increasing productivity, morale and loyalty.
• Time:  Registration is at 8:30AM, 9:00AM to 11:00AM seminar.
• Continental Breakfast to be provided.             

If you are interested in attending, please call Jackie Gerber @ 805-880-4263 or simply email her at jgerber@rivierains.com

We look forward to continuing with our committment of educating you, our friends and clients.