INNOVATIVE INSURANCE RESOURCES, LLC is an insurance company based out of 615 PIIKOI ST, STE 1717, HONOLULU, Hawaii, United States.

STAN A. KINOSHITA & ASSOCIATES, INC. is an insurance company based out of 410 KILAUEA AVENUE, HILO, Hawaii, United States.

Specializing in the areas of: Medical Health Benefits Wellness Pre-Paid Health ACA Payroll & HR

Matsukawa Insurance Agency is an insurance company based out of P.O. Box 861119, Wahiawa, Hawaii, United States.

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 500 ALA MOANA BLVD, SUITE 3-400, HONOLULU HI, 96813, 808-6952100. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. SPECTRUM WEALTH MANAGEMENT LLC is not an affiliate or subsidiary of PAS or Guardian. SPECTRUM WEALTH MANAGEMENT LLC is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Insurance products offered through WestPac Wealth Partners and Insurance Services, LLC, a DBA of WestPac Wealth Partners, LLC. CA Insurance License Number - 0M52688. This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

Special Investigator, Apr 1995 – Jan 2002 • While in the Special Investigation Unit (SIU), managed investigation and litigation of more complex and suspicious bodily injury, auto, personal injury protection (PIP) and property claims. - Uncovered insurance fraud in approximately 80% of the claims referred to SIU which were then referred to the Florida Department of Insurance Fraud. • Negotiated pricing with doctors, surveillance vendors, private investigators, translators, expert witnesses and attorneys to assure cost-effectiveness. - Often resulted in savings of at least 20% from the initial proposal. Claim Specialist, Aug 1990 – Mar 1995 • Managed, investigated, negotiated and evaluated large (often in excess of $400,000) and complex property and bodily injury claims. • Trained new employees and solely developed a subrogation training manual. • Negotiated pricing with engineer expert witnesses, doctors and attorneys - Often resulted in savings of at least 20% from the initial proposal • Headed Subrogation Department in the aftermath of Hurricane Andrew: - Directly involved in negotiations in the single largest subrogation recovery in State Farm’s history. Senior Claim Representative, Aug 1986 – Aug 1990 • Evaluated, investigated, negotiated and settled large (often in excess of $200,000) property and bodily injury claims.