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. Our team of proven and handpicked professionals works with you to understand your needs and to deliver complete coverage from the most respected carriers in the world. As an independent firm, we do not push proprietary products. Our brokerage and advisory services extend across risk management, business and operational risks, transactional risks, and claims and litigation. 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.

Ellowitch 3, LLC, located in the bustling heart of New York, NY, stands as a beacon of expertise in the realm of employer benefits. With a dedicated focus on medical and ancillary benefits, this office is a trusted partner for local and regional employers alike. One remarkable aspect of Ellowitch 3, LLC's portfolio is their strong affiliation with the local business community. They have nurtured invaluable relationships with companies like Rose Brand Wipers, a prominent player in the miscellaneous manufacturing industry based in neighboring New Jersey. Serving over 260 participants from Rose Brand Wipers, Ellowitch 3, LLC has consistently demonstrated their ability to tailor benefits solutions to meet the unique needs of diverse organizations. As a vital component of a local brokerage firm, Ellowitch 3, LLC distinguishes itself through its deep-rooted knowledge of the regional insurance landscape. This local insight allows them to navigate the intricacies of New York and its surrounding areas, ensuring that their clients receive comprehensive and well-informed guidance. With a strong track record of supporting businesses in the region and a commitment to providing top-tier benefits solutions, Ellowitch 3, LLC is the go-to choice for employer benefits buyers seeking a partner with unrivaled local expertise and a proven record of success.

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

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

Acorn Financial Services is a thriving financial services firm that, through its associates, lives and breathes a passion for helping others. The firm’s focus has always been on the financial and personal well-being of its clients achieved through our dedicated, knowledgeable and experienced team of financial professionals. We appreciate that each of our clients has a variety of unique needs, and our goal is to help meet those needs in a way that is equally unique. As you look to the future, you can be confident that Acorn Financial Services will share your vision and help you reach your unique financial goals. The firm proudly serves clients in all 50 states. Acorn Financial is headquartered in Livingston, NJ and has several affiliated offices throughout the tri-state area. Please see website for important disclosures.

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

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

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.

The Strategic Advantage provides you with the solutions to help reach your goals. The Strategic Benefits team of experts understands the impact a company’s benefit package has on employees, owners, and the bottom line. We know sophisticated problems require sophisticated solutions, not cookie cutter answers. This is why we utilize a team approach, calling on the expertise of our consultants, who bring years of specialized experience to build relationships and guide you every step of the way. Our commitment is to help you make prudent business decisions regarding your employee benefit plans. We achieve this by combining innovative products with our outstanding expertise and service to best meet your needs.

Benefit Foundations of America, situated in New York, NY, stands out as a prominent insurance broker office, particularly adept at serving midsize employers. This larger office is renowned for its expertise in local and regional markets, primarily focusing on medical and ancillary benefits. Their prowess is especially notable in the legal services and activities related to the real estate industries. A key highlight of their service portfolio is their successful collaboration with notable clients like Samuel Geltman & Co., a major player in the activities related to real estate industry based in New Jersey. With over 100 participants, this partnership showcases their capacity to handle complex benefit needs. Similarly, their work with Greenbaum Rowe Smith & Davis, a firm in the legal services industry also based in New Jersey, with more than 120 participants, further cements their reputation as a reliable partner for diverse industry needs. As a local brokerage firm, Benefit Foundations of America brings a personalized touch to their services, combining local insights with a deep understanding of industry-specific requirements. Their tailored approach to each client, coupled with a robust understanding of the needs of midsize employers, makes them a valuable asset for businesses looking to navigate the complexities of employee benefits. Their strategic focus on specific industries like legal services and real estate-related activities has enabled them to develop specialized expertise, ensuring that their clients receive guidance that is not only informed but also highly relevant to their specific sector. This specialization, along with their significant presence in the New York region, positions Benefit Foundations of America as a go-to broker for employers seeking comprehensive and customized insurance solutions.

We exist to shape decisions for the better — to protect and enrich the lives of people around the world. Through actionable analytic insight, globally integrated Risk Capital and Human Capital expertise, and locally relevant solutions, our colleagues provide clients in over 120 countries with the clarity and confidence to make better risk and people decisions that help protect and grow their businesses.