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.

BRP is now The Baldwin Group! We’ve updated our name to reflect our unified group of talented teams across the country. The Baldwin Group is a cohesive group of experts in business insurance, employee benefits, retirement planning, and all areas of private and personal insurance. Since our founding in 2011, we’ve evolved from a local business into a national firm with a vast network of specializations and industry practices for the benefit of our more than two million clients across the country. In addition, we have built excellent relationships with a wide range of insurance company partners. These relationships, coupled with our entrepreneurial and family-oriented culture, and deep expertise enable us to seamlessly deliver a breadth of innovative solutions to clients. At The Baldwin Group, we help provide the solutions our clients need to have confidence and gain peace of mind as they pursue what’s possible for themselves, their families, and their businesses. Whether they are renting their first apartment or buying a larger home, opening a small business or taking their company public, we offer solutions to support them on every step of their journey. This has been our story since the beginning—we provide the indispensable expertise and quality insights that give our clients peace of mind to pursue their purpose, passion, and dreams. And that’s what The Baldwin Group will continue to do for years to come: we protect the possible.

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.

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.

At Mercer, we believe in building brighter futures. Together, our 25,000 employees in over 130 counties are helping redefine the future of work, reshape retirement and investment outcomes, and unlock real health and well-being. For over 75 years, we’ve provided trusted advice and solutions to build healthier and more sustainable futures for our clients, colleagues and communities. Balancing economics and empathy in our approach, we work side by side with you to find solutions to benefit your people and your business. By turning ideas into actions that spark positive change, we help you enrich employees’ lives and careers and drive innovation, progress and performance. Mercer is a business of Marsh McLennan. Get to know us better: Click the “learn more” button at the top of the page to discover everything we do to help you meet the needs of today and tomorrow. Follow us on Twitter at @Mercer.

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.

Brown & Brown delivers risk management solutions to help protect and preserve what our customers value most. Our three business segments—Retail, Programs and Wholesale Brokerage—offer a wide range of insurance solutions to businesses and individuals. We are one of the insurance industry’s most powerful and influential leaders, with a strong, deeply rooted cultural foundation built on integrity, innovation, superior capabilities and discipline. The Power of WE ignites our performance, and while diverse and varied in abilities and experience, we are all connected through our core values, a commitment to our local communities and a shared mission—always doing what is best for our customers. Brown & Brown is proud to be certified as a Great Place to Work®, and we are always actively looking for talented teammates who embrace our culture to join our winning team. Find us on the NYSE as BRO.

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.

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

Offering low and affordable rates, Faison Group is a full service insurance broker offering a wide range of services from group health insurance and wellness solutions, to HR software and payroll. As preferred vendors of all major health insurance carriers, over 25 wellness vendors, and premier partners of ADP, we add value by providing a one-stop shop for everything you need to manage your employees smoothly. We offer one-on-one enrollments, compliance assistance, individualized claims support, HR software, an HR Telephone Help Desk, PEO options, payroll options and so much more. Visit www.faisongroup.com to learn more.

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.