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.

Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement & wealth, and private client insurance solutions to organizations and individuals seeking limitless possibilities. With over 15,000+ colleagues and 300+ offices across the United States and Canada, MMA combines the personalized service model of a local consultant with the global resources and expertise of the world’s leading professional services firm, Marsh McLennan (NYSE: MMC). MMA generates more than $5 billion in annualized revenue, making it one of the largest brokerage operations in North America.

KORE is an independent insurance partner that delivers an experience unlike any other: Unconstrained in our tailored approach and objective advice, unrivaled in our white-glove service, and unlimited in our delivery of complete solutions to unlock possibilities. KORE was established in 2013 with our roots, principles, and service commitment dating back to 1972 via our predecessor companies. We are a story of achievement through continuous adaptation and evolution—relentlessly focused on helping clients navigate changing markets and evolve their insurance coverage.

Nestled in the bustling landscape of New York, NY, Stratford Financial Group is a distinguished insurance broker specializing in comprehensive solutions for employer benefits. With a sharp focus on medical and ancillary benefits, this office brings robust expertise to meet the diverse needs of both local and regional employers. A testament to their proficiency is the successful collaboration with Gourmet Kitchen, a key player in the building finishing contractors industry based in NJ. With over 100 participants, this partnership exemplifies Stratford Financial Group's ability to navigate the intricacies of the construction sector, providing tailored benefits packages aligned with the industry's specific demands. Another noteworthy association is with Quasar Corporation in the miscellaneous nondurable goods merchant wholesalers industry based in NJ, boasting 80+ participants. This further underscores the broker's versatility and capability to craft specialized benefits solutions for businesses in diverse sectors. As an integral part of a local brokerage firm, Stratford Financial Group possesses a nuanced understanding of the regional business landscape. Their expertise spans building finishing contractors and miscellaneous nondurable goods merchant wholesalers industries, reflecting a commitment to tailored solutions for a variety of business needs. In the vibrant heart of New York City, Stratford Financial Group stands as a trusted partner, offering not just insurance coverage but strategic and personalized partnerships dedicated to enhancing employee well-being and ensuring the sustained success of businesses in the local community.

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

We are a general agency comprised of a team of innovators dedicated to the success of our benefits broker partners. We bring the power of technology, empowering our brokers to offer solutions that others simply cannot. Through our extensive partner network, we have forged selective alliances with the best players in the insurance and technology marketplaces. The end result is a varied and deep portfolio of services and solutions that give brokers an edge.

My Benefit Advisor (MBA) is an employee benefits consulting firm designed to guide employers through the complexity of planning, communicating, and managing a successful employee benefits program. Our client relationships are driven exclusively through a select group of brokers.

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.

Benefex Benefit Consulting, nestled in the bustling heart of New York, NY, stands as a beacon of expertise and reliability in the insurance brokerage landscape. This office, an integral part of a local brokerage firm, prides itself on a profound understanding of the unique needs of midsize employers, a demographic that often finds itself navigating the complex waters of benefits and insurance with varying levels of support and guidance. Their prowess particularly shines in the realm of self-funded clients, where Benefex demonstrates an impressive ability to support both local and regional employers. This capability is not just theoretical; it's been proven through their work with top-tier clients, such as Medpro Systems. Based in NJ, Medpro Systems, which operates in the computer systems design and related services industry, has over 170 participants relying on Benefex's adept handling of their insurance needs. This case exemplifies Benefex's skill in managing intricate client requirements and delivering tailored solutions. The firm's extensive experience spans across various industries, with a special emphasis on computer systems design and related services. This industry-specific knowledge enables them to provide insights and services that are not just generic advice but are finely tuned to the peculiarities of each sector. In summary, Benefex Benefit Consulting's New York office embodies a blend of local understanding, industry-specific expertise, and a proven track record with midsize, self-funded clients, making them a robust choice for employers seeking comprehensive and customized insurance brokerage services.

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

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