Fieldstone brings years of global experience in energy and infrastructure. In Africa and emerging economies, our market credibility has allowed us to build a broad investment banking platform serving other sectors as well as directing asset management and principal investments.

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

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

We can’t be all things to all people, but we are always determined to be reliable partners who work hard to find answers that enhance outcomes. NFP, an Aon company, is an integrated organization of consultative advisors and problem solvers. We provide expertise to help companies and individuals address their most significant risk, workforce, wealth management and retirement challenges. The value we deliver is driven by the proactive collaboration, diverse perspectives and grounded ambition of more than 7,700 colleagues in the US, Puerto Rico, Canada, UK and Ireland. We serve a diversity of clients, industries and communities through our global capabilities and solutions. Together, we put people first, prioritize partnerships, solve problems and continuously advance a culture we’re proud of.

The mission of Park East is to educate all students to be critical thinkers by conducting research, solving complex problems, clearly expressing ideas through writing, providing evidence to support arguments and reading challenging texts. By completing a rigorous curriculum, our students graduate prepared for the challenges of college. In our classes and through a highly structured advisory system, we help students develop individual and social responsibility by expecting the highest personal and academic standards. Athletics, school-wide activities and traditions at Park East reflect our commitment to being an inclusive, fun-loving and respectful community. Through their educational experiences, Park East students acquire a set of values and a sense of kinship that allow them to realize and reach ambitious goals.

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

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.

FNA is a full service general agent and employee benefit consultant, currently providing a network of over 5,000 retail agents and brokers with comprehensive employer group insurance consulting, compliance, and billing/administrative services through their five affiliate divisions. Founded in 1974, FNA has 40 years of experience in assisting the Northeast broker community in analyzing their clients’ employee benefit needs and working with carriers to obtain the optimal health and specialty benefits plans available in the marketplace.

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.

Misner Benefits is an independent agency dedicated to providing its clients with the best insurance solutions possible in the area of Life, Accident and Health Insurance. With over 25 years in practice, we hold ourselves to the highest ethical standards.

Getting or changing health insurance shouldn't be painful but the process can still be daunting for both the company and individual employees. Pricing, ever-changing carrier policies and government regulations, administering claims, communicating plan procedures to everyone in the organization - just the thought of these things can stop a well-intentioned initiative to improve benefits before it even gets started. Handled effectively, however, establishing or redesigning a plan can improve both the company's bottom line and the benefits to employees without hassle to either. The benefits your company offers are often key to acquiring and retaining your most vital asset, your best employees. For both your sake and theirs you'll want to turn a potentially arduous task into something that yields a positive result for everyone involved and that's where DGS Benefits, Inc. can help you.