--- title: EM Ford RiskGuide Blog | Clay Ford description: Check in with the team at EM Ford for updates on all of your insurance and financial planning needs. --- - [** ](https://twitter.com/EMFord1925) - [** ](https://www.linkedin.com/company/em-ford-%26-company-llc/) - [Contact](https://emford.com/contact/) - [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) - [Henderson, KY Insurance](https://emford.com/contact/henderson-ky-insurance/) - [Louisville, KY Insurance](https://emford.com/contact/louisville-ky-insurance/) - [Client Center](https://emford.com/client-center/) - [Our RiskGuide Blog](https://emford.com/riskguide/) - [info@emford.com](mailto:info@emford.com) - [Call 270-926-2806](tel:270-926-2806) [![E M Ford](https://blog.emford.com/hs-fs/hubfs/raw_assets/public/EMFord_May2020/images/Logo-EM-Ford.png?width=200&height=445&name=Logo-EM-Ford.png "E M Ford")](https://emford.com/) * ** * - [About](https://emford.com/about-our-agency/) - [Meet Our Team](https://emford.com/about-our-agency/meet-our-team/) - 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[Disability Insurance](https://emford.com/employee-benefits/disability-insurance/) - [More Employee Benefits](https://emford.com/employee-benefits/) - [Financial Planning](https://emford.com/financial-planning/) - [Request A Quote](https://emford.com/insurance-quote/) - [Contact](https://emford.com/contact/) - [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) - [Henderson, KY Insurance](https://emford.com/contact/henderson-ky-insurance/) - [Louisville, KY Insurance](https://emford.com/contact/louisville-ky-insurance/) - [Client Center](https://emford.com/client-center/) - [Our RiskGuide Blog](https://emford.com/riskguide/) - [info@emford.com](mailto:info@emford.com) - [Call 270-926-2806](tel:270-926-2806) ##### [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) 600 Frederica Street Owensboro, KY 42301 - [** ](https://twitter.com/EMFord1925) - [** ](https://www.linkedin.com/company/em-ford-%26-company-llc/) All Posts By # Clay Ford [![](https://blog.emford.com/hs-fs/hubfs/THANK%20YOU%20FOR%2095%20YEARS.png?width=380&name=THANK%20YOU%20FOR%2095%20YEARS.png) ](https://blog.emford.com/thank-you-from-our-partners) [Insurance](https://blog.emford.com/tag/insurance) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) [Financial Planning](https://blog.emford.com/tag/financial-planning) [Business Insurance](https://blog.emford.com/tag/business-insurance) [Employee Benefits](https://blog.emford.com/tag/employee-benefits) ## [Thank You From Our Partners](https://blog.emford.com/thank-you-from-our-partners) **We are approaching the holiday season with grateful hearts this Thanksgiving. 2020 has been a year...** [Clay Ford](https://blog.emford.com/author/clay-ford) November 25, 2020 #### About EM Ford EM Ford is an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected. 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