Independent Financial Group, LLC is a securities and investment firm offering personalized services to individuals and institutional investors through our team of independent financial professionals. Our representatives offer professional advice and investments, including mutual funds, annuities, life insurance, fee-based asset management, direct participation programs, and stocks and bonds. Our commitment is directly to the independent investment representative. Therefore, Independent Financial Group offers no proprietary investment products. This enables our affiliated representatives to focus on their client’s individual goals and objectives without concerns about specific product quotas and corporate mandated sales goals. Independent Financial Group processes direct business accounts held through major mutual funds and insurance companies, as well as brokerage business through our clearing partner, Pershing, LLC. Independent Financial Group is a national independent broker–dealer firm with corporate headquarters in San Diego, California. Securities and advisory services through Independent Financial Group, LLC, a registered investment adviser. Member FINRA/SIPC.

Modi Financial, LLC, located in the heart of Detroit, MI, stands out as a reliable insurance broker with a track record of excellence in catering to the diverse needs of employers. With a focus on serving both local and regional businesses, this office boasts extensive experience in handling self-funded clients. Their expertise extends to midsize employers, showcasing a nuanced understanding of the unique challenges and requirements of businesses within this category. One notable feather in their cap is their successful partnership with Decisionone Corporation, a prominent player in the professional, scientific, and technical services industry based in PA. Modi Financial, LLC has seamlessly managed the insurance needs of Decisionone Corporation, which boasts a workforce of 290+ participants. This accomplishment underscores the broker's ability to navigate the complexities of specific industries while ensuring comprehensive coverage for a sizable employee base. As a key player in the local brokerage scene, Modi Financial, LLC, leverages its local knowledge and connections to provide tailored insurance solutions. Their commitment to excellence is evident in their collaborative approach, ensuring that each client receives personalized attention and optimal coverage. With a focus on midsize employers and a proven track record of success, Modi Financial, LLC, Detroit, is a strategic choice for employers seeking a trusted partner in navigating the intricacies of insurance benefits.

Naile Palaj's Adrian, MI location stands out as a reputable insurance broker, specializing in delivering expert services to local and regional employers. With a keen focus on medical and ancillary benefits, this office boasts a profound understanding of the unique needs and challenges faced by businesses in the area. One of Naile Palaj's notable achievements is its successful partnership with Dominion Technologies Group, a key player in the general purpose machinery manufacturing industry. This collaboration has seen Naile Palaj providing comprehensive insurance solutions to over 320 participants within the company. Such a significant client relationship underscores the broker's ability to cater to the diverse needs of sizable organizations. Situated within a local brokerage firm, Naile Palaj's Adrian office leverages its community connections to provide personalized service and tailor-made insurance solutions. The team's commitment to understanding the intricacies of the local market ensures that employers receive not only competitive options but also insights that align with the region's specific dynamics. With a proven track record in serving businesses of varying sizes, Naile Palaj's Adrian, MI location emerges as a reliable partner for employers seeking top-notch expertise and customized insurance solutions in the ever-evolving landscape of employer benefits.

MFC Benefits, LLC, situated in Detroit, MI, stands as a prominent insurance broker with a robust track record in serving the diverse needs of employers. Boasting a substantial local presence in a larger office, their seasoned team specializes in catering to the insurance requirements of midsize and small employers alike. This office holds valuable expertise in collaborating with self-funded clients, offering vital support to local and regional employers. The office's prowess extends across various industries, including notable partnerships with key players such as Education Enrichment Services, a leader in educational services with over 160 participants, and Bertrandt Us, an architectural and engineering services company based in SC with a participant count exceeding 200. MFC Benefits, LLC, showcases a deep understanding of the nuances within the educational services and architectural, engineering, and related services sectors. Aligned with a local brokerage firm, this office epitomizes reliability and local market insight. With a proven ability to navigate the intricacies of employer benefits, MFC Benefits, LLC in Detroit emerges as a strategic ally for employers seeking comprehensive insurance solutions tailored to their specific needs.

Supplemental Benefits Exchange is a reputable insurance broker with a strong presence in Plymouth, Michigan. With extensive experience catering to the needs of large and midsize employers, Supplemental Benefits Exchange has established itself as a reliable partner in the insurance industry. Their expertise particularly shines when working with self-funded employers, utilizing their knowledge to provide tailored solutions and deliver value to clients. One standout example of their capabilities is their successful collaboration with Ciena Healthcare, an employer in the health care and social assistance industry. Supplemental Benefits Exchange worked closely with Ciena Healthcare's HR and finance team to implement a self-funding arrangement, PPO plan, pharmacy benefit management, and drug plan specifically designed to address the unique requirements of their 10,440 members. Supplemental Benefits Exchange's commitment to excellence is further demonstrated by their impressive M Score, reflecting their vast experience and proficiency in serving clients across various sizes and industries. Their expertise extends to personal services, automobile dealerships, as well as ship and boat building industries. Operating in Michigan, this particular location of Supplemental Benefits Exchange caters to a diverse range of clients, including notable employers like Avalon & Tahoe, Big River Steel, Ciena Healthcare, and Dynamic HR Inc. With their local presence and deep understanding of the region, Supplemental Benefits Exchange is well-positioned to provide comprehensive insurance solutions that meet the specific needs of Michigan-based businesses. Overall, Supplemental Benefits Exchange is a trusted insurance broker with a strong track record, a wide range of expertise, and a commitment to delivering exceptional service to their clients

Richmond Agency's Jackson, MI location stands out as a trusted insurance broker with a strong focus on serving local and regional employers. With a robust understanding of the unique needs in the medical and ancillary benefits landscape, this office has become a go-to resource for businesses in the area. A key strength of Richmond Agency lies in its deep expertise in catering to midsize employers. This is evident in their successful partnerships with notable clients, such as Mid-America Machining, a prominent player in the professional, scientific, and technical services industry. With over 210 participants, Richmond Agency has demonstrated its ability to tailor comprehensive insurance solutions to meet the specific requirements of sizable organizations. Another noteworthy client is Spartan Light Metal Products, a leader in the fabricated metal product manufacturing industry based in MO, boasting over 110 participants. The agency's proven track record with such diverse clients underscores its adaptability and effectiveness in navigating the intricacies of different industries. Operating as part of a local brokerage firm, Richmond Agency's Jackson, MI location seamlessly integrates local insights with industry expertise. Employers in the region can rely on this broker for tailored, high-quality insurance solutions that address the evolving needs of their workforce.

State First Financial's Lansing, MI office emerges as a distinguished insurance broker, specializing in tailoring solutions for local and regional employers with a targeted emphasis on medical and ancillary benefits. As a crucial component of a local brokerage firm, this office seamlessly blends local insight with industry expertise, providing a nuanced understanding of the Lansing business landscape. Demonstrating their proficiency across various sectors, State First Financial has successfully partnered with institutions such as Thomas M Cooley Law School in the educational services industry. This Michigan-based institution benefits from their specialized services, with a participant count exceeding 90. The office's specialization in educational services industries underscores their industry-specific knowledge and ability to navigate the unique challenges within this sector. Employers in Lansing seeking a trusted insurance partner will find State First Financial's local expertise and commitment to delivering tailored solutions invaluable in the realm of medical and ancillary benefits. With a demonstrated track record of success and a dedication to meeting the unique needs of their clients, State First Financial positions itself as a strategic choice for businesses navigating the complexities of employer benefits in Lansing, MI.

Located in Lansing, Michigan, the Michigan Chamber of Commerce's sizable office stands out as a premier insurance broker catering to a diverse range of clients. With a wealth of experience in serving both self-funded and traditional clients, this office is a valuable resource for employer benefits buyers seeking comprehensive insights into stop loss, limits, pharmacy costs, and HR consulting. Boasting a proven track record, this broker excels in working with employers of various sizes, demonstrating expertise with small, midsize, and large enterprises. Their proficiency spans across multiple industries, including automobile dealers, residential building construction, and individual and family services. The Michigan Chamber of Commerce office in Lansing is affiliated with a local brokerage firm, reinforcing their commitment to the community. Notably, they have established themselves as experts in the field, providing tailored solutions to meet the unique needs of businesses. Their client portfolio includes esteemed companies such as Ayers Basement Systems, Banks Hardwoods, and Bellefeuil Szur & Associates, showcasing their versatility and effectiveness in serving diverse industries. In summary, this insurance broker combines local presence, extensive industry knowledge, and a client-centric approach, positioning itself as a go-to partner for employers navigating the complexities of employee benefits in Michigan.

Hi, we’re HUB. We advise businesses and individuals on how to reach their goals. When you partner with us, you’re at the center of a vast network of risk, insurance, employee benefits, retirement and wealth management specialists that bring clarity to a changing world with tailored solutions and unrelenting advocacy. So you’re ready for tomorrow. About Hub International Headquartered in Chicago, Illinois, Hub International Limited (Hub) is a leading full-service global insurance broker providing property and casualty, life and health, employee benefits, investment and risk management products and services. From offices located throughout North America, Hub’s vast network of specialists provides peace of mind on what matters most by protecting clients through unrelenting advocacy and tailored insurance solutions. For more information, please visit hubinternational.com.