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.

Escalaassociates, based out of Miami, FL, stands out as a premier insurance broker specializing in providing comprehensive employee benefits solutions for local and regional employers. With a dedicated focus on medical and ancillary benefits, this office location has established itself as a reliable partner for businesses seeking expert guidance in navigating the complex landscape of employee benefits. Drawing on their extensive experience, Escalaassociates has cultivated a deep understanding of the needs of various industries, including professional and commercial equipment and supplies merchant wholesalers and employment services. Notable among their clientele is the Youth Co-Op, a key player in the employment services industry in FL, boasting 230+ participants. Additionally, Heritage Food Service Group, based in IN and operating in the professional and commercial equipment and supplies merchant wholesalers sector, entrusts Escalaassociates with the well-being of its 50+ participants. As part of a local brokerage firm, Escalaassociates brings a localized touch to their services, ensuring a nuanced understanding of the unique challenges faced by businesses in the Miami area. Their commitment to excellence and proven track record make them a valuable ally for employers seeking tailored and effective employee benefits solutions.

Sabal Benefits provides innovative employee benefits services beyond those typically offered through large national brokers. Using their in-depth knowledge and expertise in benefits plan structure, funding and negotiation, legislative compliance, HRIS implementation, and wellness programming, Sabal Benefits concentrates on clients with complex needs that seek cutting-edge programs. After carefully analyzing the business priorities, financial goals, coverage need and unique culture of each client company, Sabal Benefits strives to optimize the right structure, mix and level of benefits to maximum value. Sabal Benefits is a leader in seeking new ways to manage benefit risks and was the first broker in the South Florida region to define and implement a Cost- Plus arrangement. Clients are also provided with comparative data to help make informed decisions about local medical procedure costs. The Sabal Benefits team brings advanced analytical skills and razor-edged negotiation tools to deliver the precise level of benefit program that fits each client’s objectives while making sure it is delivered at the fairest price. New clients seek guidance from Sabal Benefits when: • Renewal costs have steadily escalated and you need to explore options • Employees are complaining to HR about the current program • Payroll size or classifications are changing rapidly • Compliance requirements are unclear, especially ACA provisions If your mid-size to large business (50-1,000 employees) is ready for a review of your benefits program, please reach out to us so we can help you with a custom and affordable solution to meet the needs of your business and your workforce. Contact us: office (954) 828-9948.

Rda Benefits Group in Miami, FL, stands out as a formidable insurance broker, operating from a larger office with a robust team of experts. Specializing in employer benefits, their focus extends to both local and regional businesses, where they excel in tailoring medical and ancillary benefit solutions. With demonstrated proficiency in serving midsize and small employers, Rda Benefits Group has proven its adaptability across various business scales. This Miami-based branch showcases notable expertise in the air transportation industry, exemplified by their successful partnership with Sky Lease I, a prominent player in Florida with over 210 participants. Rda Benefits Group's in-depth understanding of the intricacies within the air transportation sector positions them as a valuable asset for businesses in this domain. Being part of a local brokerage firm, Rda Benefits Group combines the advantages of a well-established network with the personalized service characteristic of a local entity. Their commitment to client satisfaction is evident in their track record of catering to the unique needs of diverse industries, ensuring that each client receives tailored solutions to optimize their employee benefits programs. With a reputation for excellence and a client portfolio reflecting their versatility, Rda Benefits Group's Miami office is a compelling choice for employers seeking comprehensive and customized insurance solutions.

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.

Company founded in 2002 under the laws of the Commonwealth of Puerto Rico to exercise insurance. We specialize in Fringe Benefits Management, Credit Insurance, Extended Warranties and Special Products. Our platform is designed so that our services are effectively directed into a solid structure of services. Management team has over 20 years of experience in the insurance field. Our platform currently serves more than 40,000 insured credit and offer coverage to more than 250,000 policyholders. It is anticipated that for 2018 premiums will exceed all expectations.

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.

Gallagher, a global insurance brokerage, risk management, and consulting firm, serves communities around the globe, helping clients address risk, protecting assets, and recovering from losses. The products and services we provide keep businesses and institutions running, and enable individuals and families to face their future with confidence. Gallagher provides retail and wholesale property and casualty brokerage, alternative risk transfer services, employee benefit consulting, and actuarial services. Gallagher also offers claims and information management, risk control consulting and appraisal services, human resource consulting, and retirement services. Follow us on social: Instagram: http://instagram.com/gallagherglobal Facebook: http://www.facebook.com/GallagherGlobal Twitter: https://twitter.com/GallagherGlobal YouTube: https://www.youtube.com/GallagherGlobal