Phillip James Financial is an independent, fee-only financial planning & investment management company in Plymouth Minnesota. We were founded with the idea of bringing fee-only financial planning and investment advisory services to individuals and families which historically has been restricted to the very wealthy due to high minimum fees. We believe that the fee-only model offers a better alternative to the traditional broker/dealer model by removing the inherent conflict of interest that can be associated with selling commissioned based products. Everyone deserves sound advice when it comes to their investments that are aligned with their goals and not those of the broker. As a fee-only firm we do not receive commissions from investment companies, we are paid only by our clients. This fee structure has many advantages. It’s simple, transparent, and easy to understand. It also gives your advisor an incentive to grow your assets—when you succeed, your advisor succeeds. Whether you have just started saving or you are preparing for retirement, Phillip James wants to make sure you achieve your financial needs and goals. Website: http://phillipjamesfinancial.com Phone: (763) 432-0852 Fax: (763) 390-0023

Flagship Insurance Services, LLC in Hutchinson, MN, stands as a prominent insurance broker within the region. Operating from a larger office, they specialize in catering to the diverse needs of both local and regional employers. With a proven track record, Flagship Insurance Services, LLC boasts extensive experience in serving self-funded clients, showcasing a nuanced understanding of the insurance landscape. This office has successfully supported a range of businesses, including notable clients like Forklifts of Minnesota, a key player in the machinery, equipment, and supplies merchant wholesalers industry, boasting 160+ participants. Security Bancshares Company, engaged in depository credit intermediation in MN, relies on Flagship's expertise with its 120+ participants. Similarly, Southdale Pediatric Associates Ltd, in the offices of physicians industry, benefits from Flagship's services with a participant count exceeding 150. Flagship Insurance Services, LLC distinguishes itself by demonstrating profound expertise across various industries, such as machinery, equipment, and supplies merchant wholesalers, depository credit intermediation, as well as paint, coating, and adhesive manufacturing. Operating as part of a local brokerage firm, this broker has a proven track record of successfully navigating the complexities of insurance for midsize and small employers alike, making them a reliable choice for businesses seeking comprehensive insurance solutions in the Hutchinson, MN area.

Direct Benefits, Inc. is a managing general agency providing one-stop ancillary insurance solutions. We support 18,000 independent agents, brokers, consultants and general agents in all 50 states. Our brands include: Spirit Dental & Vision, Denali Dental & Vision, Direct Vision. Better benefits, direct to you. Let's connect!

USI is one of the largest insurance brokerage and consulting firms in the world, delivering property and casualty, employee benefits, personal risk, program and retirement solutions to large risk management clients, middle market companies, smaller firms and individuals. Headquartered in Valhalla, New York, USI connects over 10,500 industry-leading professionals across approximately 200 offices to serve clients’ local, national and international needs. USI has become a premier insurance brokerage and consulting firm by leveraging the USI ONE Advantage®, an interactive platform that integrates proprietary and innovative client solutions, networked local resources and enterprise-wide collaboration to deliver customized results with positive, bottom-line impact. USI attracts best-in-class industry talent with a long history of deep and continuing investment in our local communities. For more information, visit usi.com.

As an independent brokerage for 91 years, this has always remained true...“Caring for Your Unique Potential Is Our Soul Purpose.” That statement is the core of how we do business. We ask the tough questions, avoid the easy path, believe fully in caring for the unique challenges of our clients, and leverage our greatest assets — the hearts and minds of our people — to advocate on behalf of our clients. That’s our approach to risk management and benefits consulting, and it’s worked for us since our inception in 1932. As an independent brokerage, we serve clients in every industry and of almost every size, with the ultimate goal of providing exceptional service and caring for our clients’ unique potential. For more information, visit www.holmesmurphy.com. You can also follow us on X (@holmesmurphyins), or Facebook, or Instagram.

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

The Horton Group, a Marsh & McLennan Agency LLC company, is a full-service brokerage offering business insurance, employee benefits, private client insurance, and retirement services to businesses and individuals nationwide.

Morgan Planning Group, LLC, located in Minneapolis, MN, operates from a substantial office, showcasing their robust presence in the insurance brokerage sector. Specializing in serving both local and regional employers, their expertise is evident in their successful collaborations with a diverse range of industries. With a proven track record, this larger office has demonstrated a keen understanding of self-funded clients, offering valuable support to organizations seeking comprehensive employer benefits solutions. The team at Morgan Planning Group, LLC, exhibits unparalleled proficiency across various sectors, notably excelling in general freight trucking, nonresidential building construction, and machinery, equipment, and supplies merchant wholesaling. Their extensive experience is underscored by successful partnerships with prominent clients, including the Abc of Mn Consortium Health Plan in nonresidential building construction (1020+ participants), Hoovestol in general freight trucking (1740+ participants), and Road Machinery & Supplies Co in machinery, equipment, and supplies merchant wholesaling (470+ participants). As part of a local brokerage firm, this office benefits from a network that enhances their ability to tailor solutions to the unique needs of large employers. Morgan Planning Group, LLC, stands out for their commitment to excellence and their demonstrated ability to navigate the complexities of the insurance landscape, making them a strategic choice for employers seeking a trusted partner in optimizing their benefits offerings.

Ross Nesbit Agencies, Inc., situated in the thriving business hub of Minneapolis, MN, operates a larger office that stands as a testament to their robust presence and capability in the insurance brokerage landscape. Specializing in serving local and regional employers, this office boasts significant experience with midsize and small enterprises alike. Their expertise extends to various industries, with a particular focus on furniture and related product manufacturing, home health care services, and general freight trucking. Notably, their diverse portfolio includes successful collaborations with esteemed clients such as Accurate Management Services in home health care services (130+ participants), Blu Dot Manufacturing in furniture manufacturing (180+ participants), and Long Haul Trucking in general freight trucking (130+ participants). This diverse client base showcases the agency's versatility and adaptability in meeting the unique needs of different sectors. As a proud member of a local brokerage firm, Ross Nesbit Agencies, Inc. leverages its connections to provide tailored insurance solutions. Their strengths lie in supporting self-funded clients, reflecting their commitment to innovative approaches in meeting the evolving needs of businesses. With a track record that underscores their proficiency and reliability, this office is a strategic partner for employers seeking comprehensive and customized insurance solutions in the Minneapolis area.

BENEUSA LLC is an Employee Benefit General Agency based out of 261 School Avenue, Suite 350 / Excelsior, Minnesota, United States. We cater to insurance brokers and their organizations by marketing their prospects and preparing a customized presentation.

King and Companies is an employee group benefit firm and independent insurance agency. We are a minority-owned women business, founded in 2002. With over 20 years of experience, our expertise provides high- quality and knowledgeable service, delivering trustworthy performance that meets the needs of each individual client. King and Companies provides guidance in finding the right insurance coverage for your business by working with a variety of programs and plans. Locally based in Burnsville, Minnesota, we provide the human touch to insurance and financial services through innovation and client satisfaction. We take care of their clients and are there for them, whether its to assist with a claim, provide rates, or just answer questions. Our goal is to build long-term rewarding relationships to effectively achieve our clients goals. King and Companies was one of the first, if not the only, insurance consultant business to create our own benefit portal technology. We did not PURCHASE a human resource and benefit software program, we CREATED one. We work with high-tech, low-tech and no-tech clients. Yes....no-tech clients still exist. We're passionate about what we do, and we're good at it!

Associated Financial Consultants & Investor Services is dedicated to the creation and conservation of lifetime assets. We provide financial solutions to complex situations and challenges that are easy to digest, understand, strategize from and most importantly execute, track and adapt to. Our clientele consists of a wide variety of individuals, who are both well-established or establishing themselves, and companies of all sizes, both local and national. We believe that every individual and company is unique – such as ourselves – with a wide array of goals and challenges throughout multiple stages, whether it’s finding success, during success or with continuing success. Therefore, every solution needs to be tailored and customized with a unique approach. Associated prides itself on being independent for over 40 years, and it’s our goal to continue helping others remain unique and independent for many generations to come. ### Securities offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities (Associated Investor Services, Inc. and Associated Financial Consultants, Inc.) and/or marketing names, products or services referenced here are independent of Osaic Wealth.