Understanding financial concepts and money management can be intimidating, but it doesn’t need to be. At DSM Financial, we provide financial strategies that are easy to understand, and more importantly, easy to execute so you can begin securing your financial future today. We look forward to helping you craft a financial plan that is as unique as you are. The professionals at DSM Financial provide financial services for families and businesses, designing "unbiased solutions"​ for them to reach their long and short-term objectives and goals. Licensed Insurance Professional. Respond and learn how insurance and annuities can positively impact your retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.

CBIZ, Inc. (NYSE: CBZ) is a leading professional services advisor to middle market businesses and organizations nationwide. With unmatched industry knowledge and expertise in accounting, tax, advisory, benefits, insurance, and technology, CBIZ delivers forward-thinking insights and actionable solutions to help clients anticipate what’s next and discover new ways to accelerate growth. CBIZ has more than 10,000 team members across more than 160 locations in 21 major markets coast to coast. For more information, visit www.cbiz.com. CBIZ works closely with CBIZ CPAs, a national, independent CPA firm. CBIZ CPAs specializes in attest services for middle market and growing businesses in a variety of industries, including technology and life sciences, construction, not-for-profit organizations, manufacturing, retail and distribution. For more information, visit www.cbizcpas.com. CBIZ is a consulting, tax and financial services provider that works closely with CBIZ CPAs P.C., an independent CPA firm that provides audit, review and other attest services. In certain jurisdictions, CBIZ CPAs P.C. operates under its previous name, Mayer Hoffman McCann. P.C. View our CBIZ Social Media Community Guidelines here - https://www.cbiz.com/privacy-policy/cbiz-social-media-community-guidelines

Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement & wealth, and private client insurance solutions to organizations and individuals seeking limitless possibilities. With over 15,000+ colleagues and 300+ offices across the United States and Canada, MMA combines the personalized service model of a local consultant with the global resources and expertise of the world’s leading professional services firm, Marsh McLennan (NYSE: MMC). MMA generates more than $5 billion in annualized revenue, making it one of the largest brokerage operations in North America.

USI is one of the largest insurance brokerage and consulting firms in the world, delivering property and casualty, employee benefits, personal risk, program and retirement solutions to large risk management clients, middle market companies, smaller firms and individuals. Headquartered in Valhalla, New York, USI connects over 10,500 industry-leading professionals across approximately 200 offices to serve clients’ local, national and international needs. USI has become a premier insurance brokerage and consulting firm by leveraging the USI ONE Advantage®, an interactive platform that integrates proprietary and innovative client solutions, networked local resources and enterprise-wide collaboration to deliver customized results with positive, bottom-line impact. USI attracts best-in-class industry talent with a long history of deep and continuing investment in our local communities. For more information, visit usi.com.

Bateman, Gordon & Sands, Inc., located in Miami, FL, is a distinguished insurance broker with a large office that demonstrates exceptional expertise in dealing with local and regional employers, especially in medical and ancillary benefits. Their proficiency notably shines in serving educational services and automobile dealers industries. A testament to their capabilities is their work with prominent clients like Everglades College, KD Construction of Florida, and Tp Investment Group Dba Kenworth of South Florida, managing benefits for substantial numbers of participants in each organization. This broker stands out for its deep-rooted experience with midsize employers, offering tailored guidance and solutions. Their approach is marked by the BGS Business Advantage, where experts in the Commercial Lines Service division collaborate with clients to craft strategies for risk reduction. Additionally, their Employee Benefits division offers counseling on compliance mandates and health insurance programs, adapting to the evolving needs of businesses. Furthermore, Bateman, Gordon & Sands are equipped to handle specialized bond needs to enhance operational efficiency, and their Personal Lines Service division provides customized plans for personal protection. The Marine division is also noteworthy, negotiating comprehensive yacht insurance coverage. The agency's commitment to guiding clients safely through risks is symbolized by their use of the Hillsboro Lighthouse as a representation of strength, guidance, and safe harbor. Established in 1947, they've grown into a trusted name in the insurance sector, distinguished by personalized consultative advice and a strong reputation built on personal attention and robust relationships with top carriers.

A full-service benefits administrator, member association, and insurance agency, with one goal in mind… to improve the health & wellness of its members and to provide substantial cost savings on every day items.

Insurance Office of America (IOA) is the fourth largest privately held insurance brokerage in the United States. Founded in 1988, IOA is a recognized leader in providing property and casualty, employee benefits, and personal lines insurance and risk management solutions as well as insurtech innovation. Headquartered in Longwood, Florida, part of the greater Orlando community, IOA has more than 1,300 associates located in over 60 offices in the U.S. and United Kingdom. For more information, visit www.ioausa.com.

We can’t be all things to all people, but we are always determined to be reliable partners who work hard to find answers that enhance outcomes. NFP, an Aon company, is an integrated organization of consultative advisors and problem solvers. We provide expertise to help companies and individuals address their most significant risk, workforce, wealth management and retirement challenges. The value we deliver is driven by the proactive collaboration, diverse perspectives and grounded ambition of more than 7,700 colleagues in the US, Puerto Rico, Canada, UK and Ireland. We serve a diversity of clients, industries and communities through our global capabilities and solutions. Together, we put people first, prioritize partnerships, solve problems and continuously advance a culture we’re proud of.

A group of excellent ear, nose, and throat physicians located throughout Miami and South Florida. SFENTA’s physicians have been caring for patients for over 30.

Based in the vibrant city of Miami, Florida, Benefit Communication Services (BCS) stands as a trusted ally for businesses seeking comprehensive employee benefits solutions. With a commitment to personalized service and a deep understanding of the ever-evolving landscape of benefits, BCS has earned a stellar reputation among its diverse clientele. At the heart of BCS's approach lies a dedication to clear communication and tailored strategies. Their team of experts works closely with clients, including esteemed organizations like the Board of Trustees and United Food & Commercial Workers Local 152 Health & Welfare Fund, to craft benefits packages that meet the unique needs of each workforce. BCS's website, bcs-benefits.com, serves as a gateway to their wealth of resources and expertise. Visitors can explore an array of customizable solutions designed to enhance employee satisfaction, improve retention, and promote overall well-being. From health insurance and retirement plans to wellness programs and compliance assistance, BCS delivers comprehensive support every step of the way. With BCS as their partner, businesses can navigate the complexities of employee benefits with confidence, knowing they have a dedicated team advocating for their success.

World is a leading financial services organization that uses its vast resources and industry expertise to empower people to make informed decisions to improve their risk management and financial outcomes. Using data-driven analytics, our advisors innovate new products and solutions tailored to clients’ needs across insurance and bonds, employee benefits, retirement plans, wealth management services, private client services, and payroll & HR solutions. We have advisors in dozens of niche markets, and we cater to specialized industries such as agribusiness, associations, construction, entertainment & recreation, healthcare, hospitality, manufacturing, public/nonprofit, professional services, real estate, retail, self-storage facilities, and transportation. With the backing and expertise of a comprehensive network of specialists, our colleagues build trusted relationships with our clients that deliver real-world results.