We're here for you and your business

Our hearts go out to the individuals, businesses and communities affected by the coronavirus (COVID-19) outbreak. Needless to say, our primary focus is – and will continue to be – the health and safety of our associates, our clients and the communities we serve.

Please find a variety of resources below that can help you and your business effectively navigate these challenging times. If you have any questions, concerns or if there is anything we can do to help you at this time, please reach out to your Johnson Financial Group advisor or find one today.

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Small Business Lending

On June 2nd, Congress voted to support positive changes to the PPP Forgiveness final rules, including needed relief to borrowers. We anticipate further guidance from the SBA on their final forgiveness rules, FAQs, forms, etc. We are following these changes closely and will communicate further to PPP clients once we have additional details. We encourage you to visit the U.S. Treasury Program Rules and SBA PPP for the most accurate information.

Small Business

Please visit the U.S. Small Business Administration for the most current small business guidance and loan resources.

Wisconsin Businesses

Additional resources available to Wisconsin businesses from WEDC and other local, state and federal agencies

Arizona Businesses

For additional resources available to Arizona businesses, please visit the Arizona Commerce Authority. 

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Employment compliance considerations for re-opening the workplace. 

woman desk mask

Even though the COVID-19 pandemic continues to have an effect on daily life, states are beginning to lift stay-at-home orders and businesses are starting to resume operations. As a leader in your business, there’s a lot for you and your organization to consider before you re-open your doors.

In our recent webinar, we discussed how you can take practical steps to comply with various federal, state and municipal requirements for employers operating or re-opening during this pandemic.

Featured Speakers

Marjory Robertson, AVP & Senior Counsel at Sun Life
Jeff Marquardt, EVP Employee Benefits at Johnson Financial Group
Randy Raymond, SVP Commercial Insurance at Johnson Financial Group
David Manke, VP Loss Control Engineer at Johnson Financial Group

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Market Conditions

Municipal Bond Credit Quality Outlook

Investment Commentary
  • Some clients have expressed concern that municipal bond credit quality has declined due to the current economic slowdown. They are also concerned that municipalities will default on their obligations, leaving investors with less interest income, less principal, or both.

For the U.S., How Much Debt Is Too Much?

Investment Commentary
  • Last year, the federal deficit was near $1 trillion for the first time. Due to recent programs like the CARES Act, which are meant to assist those who’ve lost jobs due to the pandemic, this year’s deficit will be near $4 trillion and next year estimated to be another $2.1 trillion. Those figures could go even higher as additional laws are passed.

New Tricks

Investment Commentary
  • Imagine my 13-year-old asking me to help him with Zoom technology! My son has been virtually learning, and his school has been doing an amazing job. On occasion, he has technical problems getting into a class and has asked for help. Why would he ask me? He knows that I am on video calls all day and so presumes I may be able to help. We are adaptable creatures. We don’t always like it; however, we are.

Is this “third time’s the charm” for the S&P 500 Index at 2,900?

Investment Commentary
  • The S&P 500 Index has traded at 2,900 several times in the last two years, and each time the environment was very different. Understanding those differences helps give insight into whether the “third time’s the charm,” with potential for additional advances beyond the 2,900 level.

Real-Time Information Helps Us Gauge Economic Conditions

  • Scientific information regarding the pandemic changes daily because there are thousands of scientists working to understand this specific coronavirus—how it affects our health, how to treat it and how to develop a vaccine. As a result, we are asked to synthesize all this information to make decisions that affect our businesses, social interactions and, most importantly, our families’ health.

Lessons From a Business Owner

Investment Commentary
  • The labor market in the United States has fallen at record speed and magnitude. In February, the unemployment rate was at just 3.5% and rose to 4.4% in March. Based upon initial claims for unemployment, it is estimated that the true unemployment rate may now be as high as 15%.

On March 18, 2020, President Trump signed the Families First Coronavirus Response Act (FFCRA) into law. The FFCRA provides emergency assistance to Americans during the COVID-19 pandemic. In part, the FFCRA provides much needed relief to employers in the form of tax credits while employees take time off using the FFCRA's sick leave and family leave programs. It also provides self-employed individuals with comparable tax credits against their self-employment tax.

Click here to read more on the implications of the FFCRA, as well other insights and resources on topics like the CARES Act from our partners at von Briesen & Roper, s.c.

We hosted a webinar on Friday, March 27 featuring Labor and Employment Lawyers from von Briesen & Roper, s.c., They provided an update on the impact this new law may have on businesses. Click here to view the recorded webinar.

As the coronavirus (COVID-19) outbreak evolves, you and your business face growing uncertainty as to how this pandemic will affect your operations long term. This is especially true for many service, entertainment and retail organizations, who have had to close their doors or cease operations as a result of COVID-19. Not only has this severely impacted your ability to serve your customers, but it also may be leading to indefinite disruptions—disruptions that could impact your bottom line. As a result of the unprecedented challenges COVID-19 brings, many businesses are turning business interruption insurance, for help.

Click here to view our article on business interruption policies and what it could mean for you and your business. You can click here to view several responses published by the Independent Insurance Agents of Wisconsin (IIAW) on business interruption coverage and if it can be applied.

Similar to business interruption coverage, you may be wondering how a commercial general liability insurance policy may respond to COVID-19. Click here to learn more information and examples from the Independent Insurance Agents of Wisconsin (IIAW).

Every protection package and every claim is unique. Claims will be assessed in accordance with the coverages the insured has in place and the facts presented. It is not possible to answer any hypothetical questions or claim scenarios regarding the coronavirus.

Please report the claim as you normally would. Your carrier or TPA will review the claim following their normal claim submission process and protocols and engage you and the insured as needed, as quickly as possible.

Our advisors are here to help you through your unique situation.

Another topic you might be concerned about is how workers' compensation insurance will respond to COVID-19. Click here to learn more about the impact to employers. Click here to learn more about the impact to individuals.

To reduce the impact of COVID-19 outbreak conditions on businesses, workers, customers, and the public, it is important for all employers to plan now for COVID-19. If you are an employer who has already planned for pandemics, planning for COVID-19 may involve updating your plans to address the specific exposure risks, sources of exposure and routes of transmission. If you have not prepared for pandemic events, you should prepare your business and employees as far in advance as possible of potentially worsening outbreak conditions. For guidance on how to prepare your workplace, click here to view a great resource put together by OSHA.

Individuals and businesses need to remain vigilant for scams related to COVID-19. Cyber actors may send emails with malicious attachments or links to fraudulent websites to trick victims into revealing sensitive information or donating to fraudulent charities or causes. Exercise caution in handling any email with a COVID-19-related subject line, attachment, or hyperlink, and be wary of social media pleas, texts, or calls related to COVID-19. Click here to view more information from Cybersecurity and Infrastructure Security Agency (CISA) on this topic.

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COVID-19 Financial Assistance

For 50 years, we’ve been here for you, your family and your business. Even through times of uncertainty, you can remain confident that you have a trusted financial partner on your side.

If you’ve been impacted by the COVID-19 situation, we are here to work with you.

On June 2nd, Congress voted to support positive changes to the PPP Forgiveness final rules, including needed relief to borrowers. We anticipate further guidance from the SBA on their final forgiveness rules, FAQs, forms, etc. We are following these changes closely and will communicate further to PPP clients once we have additional details. We encourage you to visit the U.S. Treasury Program Rules and SBA PPP for the most accurate information.

Please call the number on the back of your credit card to learn more. As always, you can continue to manage your accounts online or via the mobile app.

Please contact your advisor directly to discuss payment deferrals if your small business is facing financial hardship due to COVD-19. We can make available payment deferrals up to 90 days.

All foreclosure activity will be handled consistent with guidance contained in the Coronavirus Aid, Relief, and Economic Security (CARES) Act. For assistance or questions contact us at 877.287.4431, Monday through Friday, 8:00 am to 5:00 pm CT.

Please contact us at 877.287.4431, Monday through Friday, 8:00 am to 5:00 pm CT. We will make available a payment forbearance period of three months.

Please call the number on the back of your credit card to learn more. As always, you can continue to manage your accounts online or via the mobile app.

We have suspended late fees for personal loan payments for the month of April, 2020 to assist those most impacted by COVID-19.

Please contact us at 877.287.4431, Monday through Friday, 8:00 am to 5:00 pm CT, and we can review the status of your loan for relief assistance.

To help support community health efforts, we have decided to temporarily close our lobbies and will plan to reopen in line with public health. Our drive-thrus and night drop services will remain open for your use.

 Personal Banking Resources

For quick access to your accounts, assistance with financial hardship and important updates on branch related activities, learn more on our personal COVID-19 resource page.

LEARN MORE about quick access to your accounts, assistance with financial hardship and important updates on branch related activities.

Related Resources

Johnson Financial Group and its subsidiaries do not provide tax advice. Please consult your tax advisor with respect to your personal situation. Wealth management services are provided through Johnson Bank and Johnson Wealth Inc., Johnson Financial Group companies. Additional information about Johnson Wealth Inc., a registered investment adviser, and its investment adviser representatives is available at https://www.adviserinfo.sec.gov/. NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE