NFP is a leading insurance broker and consultant providing specialized property and casualty, corporate benefits, retirement, and individual solutions through its licensed subsidiaries and affiliates. NFP enables client success through the expertise of over 7,400 global employees, investments in innovative technologies, and enduring relationships with highly rated insurers, vendors, and financial institutions. NFP is the 5th largest benefits broker by global revenue, 5th best place to work in insurance and 6th largest US-based privately owned broker (Business Insurance); 9th commercial lines agency by P&C commercial lines revenue and 10th largest property and casualty agency (Insurance Journal); and 12th largest global insurance broker (Best’s Review).

Wealth Advisory Group has been empowering people with sound financial strategies since 1933. We employ a disciplined, comprehensive approach to wealth management. Our goal is to help you achieve the quality of life you’ve always imagined. More than 100 Associates are here to guide you through a full range of planning that may include insurance and investments tailored specifically for your needs. Wealth Advisory Group, LLC is an Agency of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 355 Lexington Avenue, 9th Fl, New York, NY 10017, 212-541-8800. PAS is a wholly-owned subsidiary of Guardian. This firm is not an affiliate or subsidiary of PAS. Wealth Advisory Group LLC is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof. 2022-141079 Exp 07/24

Vanguard Benefit Solutions, LLC in New York, NY, is a prominent insurance broker operating from a sizable office, well-equipped to serve the diverse needs of local and regional employers. With a focus on catering to midsize employers, this office boasts extensive experience in the insurance landscape. Their proficiency extends to various industries, including automobile dealers, advertising, public relations, and related services, as well as the retail trade sector. Notably, Vanguard Benefit Solutions has successfully worked with self-funded clients, showcasing a nuanced understanding of the intricacies involved in such arrangements. As a testament to their capabilities, the office has collaborated with reputable companies in the region. For instance, they have provided insurance solutions for Oml, a key player in the advertising and public relations industry, boasting 410+ participants. Tunecore, a significant entity in the retail trade industry with 150+ participants, has also benefited from their expertise. Additionally, Vanguard Benefit Solutions has served Dover Dodge Chrysler Jeep, a major player in the automobile dealers industry based in NJ, with 300+ participants. Being part of a local brokerage firm, this office brings a personalized touch to their services, ensuring tailored solutions for each client. With a proven track record and a commitment to excellence, Vanguard Benefit Solutions, LLC in New York, NY, stands as a reliable partner for employers seeking comprehensive and strategic insurance solutions.

Marshall & Sterling Insurance, Inc., founded in 1864, is among the largest privately owned insurance agencies in the United States, with total written premiums in excess of $1 billion. An employee-owned company with more than 550 insurance specialists, Marshall & Sterling maintains a national presence, is licensed throughout the nation* and the U.S. Virgin Islands, and is well positioned to serve the requirements of international clients. Marshall & Sterling is a leading broker for all lines of business and personal insurance, specialty risks including bonds, and employee group benefits, specializing in public entities, schools, campgrounds, the hospitality industry, manufacturers, professional and directors and officers liability, health care, construction, specialty programs, workers’ compensation and crime/bond. Marshall & Sterling has direct and preferred relationships with the leading insurance companies, providing clients with the broadest and most competitive programs available in the industry. According to a ranking by the Insurance Journal, Marshall & Sterling is currently ranked 32nd among more than 40,000 privately-held insurance agencies in the U.S. and is ranked among the top performers in the annual Best Practices Study conducted by the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) and Reagan Consulting. Follow Link to View Disclaimer: www.marshallsterling.com/linkedin-disclaimer

The Reis Group is an Independent Insurance Agency specializing in large municipal business including Schools, Hospitals, Nursing Homes as well as Manufacturers.

Life Line Planning, situated in the vibrant heart of New York, NY, stands as a premier insurance broker, specializing in employer benefits. With a keen focus on both local and regional markets, their seasoned team brings extensive expertise in crafting tailored solutions for medical and ancillary benefits. A cornerstone of their success lies in cultivating strong partnerships with diverse businesses, ranging from the dynamic real estate industry to the critical medical equipment and supplies manufacturing sector. Among their notable clientele are industry leaders like Akam Associates, a prominent player in real estate activities, boasting 40+ participants. Additionally, Life Line Planning serves Case Medical, a key player in medical equipment and supplies manufacturing in NJ, supporting a workforce of over 150 participants. Further, their collaboration extends to Extech Building Materials, a major player in the lumber and construction materials merchant wholesalers industry in NJ, with a workforce exceeding 140 participants. Life Line Planning's comprehensive understanding spans across medical equipment and supplies manufacturing, as well as activities related to real estate industries. As an integral part of a distinguished local brokerage firm, they bring a localized touch to their services, ensuring a nuanced approach to employer benefits that align with the unique needs of businesses in the dynamic New York landscape.

Nestled in the thriving business community of Scranton, PA, Universal Employee Benefits So emerges as a distinguished insurance broker, specializing in crafting tailored solutions for medical and ancillary benefits. With a strong focus on local and regional employers, this office has become a trusted partner in navigating the complex landscape of employee benefits. Universal Employee Benefits So has earned its reputation by providing exemplary service to a diverse clientele. Notable among its top customers are Fncb Bank, a key player in the depository credit intermediation industry in PA, managing benefits for over 270 participants, and RLE Enterprises in the general freight trucking industry with a participant base exceeding 110. This diversity showcases the broker's ability to cater to the unique needs of clients spanning different sectors. As an integral part of the local brokerage landscape, Universal Employee Benefits So demonstrates a profound understanding of the region's business dynamics. Their expertise extends across depository credit intermediation and general freight trucking industries, reflecting a commitment to comprehensive coverage. With a proven track record of successfully navigating the benefits landscape for midsize employers, this broker stands as a reliable partner for businesses in Scranton seeking impactful and customized employee benefits solutions.

Capacity Benefits & Financial Services Group LLC is a trusted local insurance consultant, conveniently located in Mahwah, New Jersey. With a solid reputation for excellence, they have successfully collaborated with various clients, including the esteemed New York Law School. Working closely with the educational institution's HR and finance team, Capacity Benefits & Financial Services Group LLC skillfully crafted a tailored self-funding arrangement, PPO plan, PBM, and drug plan to meet the unique needs of the school's 150 members. With extensive experience in serving self-funded employers, Capacity Benefits & Financial Services Group LLC has developed a deep understanding of their distinct requirements. They excel in working with clients and PPOs to ensure optimal member satisfaction. Additionally, their expertise extends to collaborating with PBMs and other specialized pharmacy providers, further enhancing the comprehensive services they offer. Operating across diverse industries and serving clients ranging from large to midsize employers, this particular office of Capacity Benefits & Financial Services Group LLC boasts an impressive clientele. Noteworthy employers, including Association of Community Service Agents Inc, Boston Insurance Employee Benefit Trust - Dfe, Silver Ventures, and System Freight, have entrusted their insurance needs to this highly competent team. Geographically, Capacity Benefits & Financial Services Group LLC extends its services throughout New York, New Jersey, Texas, Connecticut, the District of Columbia, and New Mexico. Their exceptional track record has earned them one of the highest M Scores attainable, reflecting their vast experience and expertise across client sizes, industries, and products. In addition to their proficiency in insurance consulting, Capacity Benefits & Financial Services Group LLC possesses strong knowledge in industries such as general freight trucking, investment pools and funds, and financial investment activities. This comprehensive expertise equips them to provide top-notch service and tailored solutions to meet the specific needs of each client they serve.

Marshall & Sterling, a regional insurance consultant headquartered in Poughkeepsie, New York, is a trusted partner for clients across multiple states, including New York, New Jersey, Connecticut, Texas, California, and Minnesota. With a diverse client base, they have established themselves as one of the top brokerages in the Poughkeepsie market, offering their expertise to large, midsize, and small employers. One notable example of their exceptional service is their collaboration with Oels, a prominent employer in the employment services industry, comprising 1,630 members. Marshall & Sterling worked closely with Oels' HR and finance team to develop a comprehensive insurance package that included a self-funding arrangement, HMO and PPO plans, as well as a specialized PBM and drug plan. This bespoke approach ensured that Oels' members received tailored coverage to meet their unique needs. Marshall & Sterling's impressive M Score reflects their extensive experience and expertise across various client sizes, industries, and products. They excel in working with self-funded clients, demonstrating their deep understanding of this complex area. Moreover, they have a strong track record in collaborating with HMOs and PPOs to provide the best solutions for their clients' members. Their proficiency extends to working with PBMs and other pharmacy providers, ensuring comprehensive coverage in the pharmaceutical domain. In terms of industry knowledge, Marshall & Sterling boasts a strong expertise in automobile dealerships, educational services, as well as the health care and social assistance sectors. This breadth of experience enables them to navigate the specific challenges and requirements of each industry, ensuring that their clients receive tailored insurance solutions. Marshall & Sterling's commitment to delivering exceptional service, combined with their vast experience and deep industry knowledge, positions them as a reliable insurance consultant for businesses across multiple states. Whether it's assisting with self-funding arrangements, designing HMO and PPO plans, or ensuring effective pharmacy coverage, Marshall & Sterling is dedicated to meeting the unique needs of their clients and providing them with peace of mind.

Marshall & Sterling Insurance, Inc., founded in 1864, is among the largest privately owned insurance agencies in the United States, with total written premiums in excess of $1 billion. An employee-owned company with more than 550 insurance specialists, Marshall & Sterling maintains a national presence, is licensed throughout the nation* and the U.S. Virgin Islands, and is well positioned to serve the requirements of international clients. Marshall & Sterling is a leading broker for all lines of business and personal insurance, specialty risks including bonds, and employee group benefits, specializing in public entities, schools, campgrounds, the hospitality industry, manufacturers, professional and directors and officers liability, health care, construction, specialty programs, workers’ compensation and crime/bond. Marshall & Sterling has direct and preferred relationships with the leading insurance companies, providing clients with the broadest and most competitive programs available in the industry. According to a ranking by the Insurance Journal, Marshall & Sterling is currently ranked 32nd among more than 40,000 privately-held insurance agencies in the U.S. and is ranked among the top performers in the annual Best Practices Study conducted by the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) and Reagan Consulting. Follow Link to View Disclaimer: www.marshallsterling.com/linkedin-disclaimer

Emery & Webb is a family owned insurance company, in business since 1886, with over 100 trained insurance professionals who serve clients throughout New York's Hudson Valley and across the United States. We offer home, auto, business, life, and group health insurance solutions, as well as insurance and risk management products for specialty markets including dental malpractice, music industry insurance, religious institutions, and non-profit organizations.