The Downey Group, Inc. provides high quality Life Insurance, Long Term Care, and Disability Programs for affluent individuals, families, and businesses. We work closely with you to help accomplish a variety of wealth accumulation, preservation and transfer objectives. Our clients are private company owners, entrepreneurs, families, public companies, large professional, law, accounting and medical groups, charities, and executives. We specialize in all aspects of wealth transfer, business succession, executive compensation, asset protection, and charitable gift planning. We offer cutting edge life insurance products specifically tailored to your needs, and responsive, high quality life insurance policy service. Our process starts with helping you determine your goals, mission, and objectives; it is the essential beginning point from which our process proceeds. We work as a team with your attorneys, tax and other advisors. Our focus is helping you formulate comprehensive, thoughtful solutions, of which life insurance is one component. We Look Forward To Helping You Address Your Goals. Third-party posts found on this profile do not reflect the views of M Holdings Securities, Inc. nor its Associated Persons/Affiliates, and have not been reviewed by M Holding Securities as to accuracy or completeness. This material and the opinions voiced are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what is appropriate for you, please contact me directly or consult another qualified professional. The testimonials/recommendations used may not be representative of the experiences of other clients, and they are not indicative of future performance or success. Securities offered through M Holdings Securities, Inc., a registered Broker/Dealer, member FINRA/SIPC. The Downey Group, Inc. is independently owned and operated. California Insurance License 0786018

Partners Together - Endless Possibilities Hilb Group provides the resources of a big insurance broker and the attentive, personal service of a small agency. Our people are our greatest strength. Our values of trust, passion, integrity and growth drive our actions to benefit every client. Managing Risk Your risk profile doesn’t matter – Hilb paints a very wide portrait. We have more than 30 industry specialties, which gives our clients and brokers a unique advantage. We form enduring partnerships to get the best results every time, and work with the top insurers to provide a huge range of high-quality choices, matched exactly to your needs. About Hilb Group Founded in 2009, Hilb Group is a Top 25 middle market independent insurance broker. Hilb Group offers expertise in property & casualty, employee benefits, and retirement services to business and individuals throughout the nation.

Barham Benefit Group (BBG) is a licensed, independent, full-service insurance broker. At BBG, our responsibility is to represent the interests and needs of our clients. Our aim always is to reduce insurance cost while maintaining benefit levels as well as offer solutions to eliminate potential coverage gaps. We represent a carefully selected group of financially sound, reputable insurance carriers, and we place your policy with the company offering the best coverage and pricing. BBG prides itself on ability to assist in the processing of claims and ability to leverage technology to reduce administrative costs and burden to our clients.