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

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.

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.

Pinnacle Ins Solutions LLC, located in the heart of New York, NY, is a dedicated employee benefits broker that prides itself on crafting comprehensive and tailored benefit solutions for a diverse clientele. With a notable client like RBC Capital Markets LLC, Pinnacle Ins Solutions has demonstrated its capability to serve high-caliber businesses with precision and professionalism. Their approach combines deep industry knowledge with a keen understanding of client needs, ensuring that every benefits package is not only competitive but also aligned with the company's goals and employee wellness. Their team of experts is committed to providing exceptional service, leveraging their expertise to navigate the complexities of employee benefits, and delivering strategies that optimize health outcomes and financial efficiency. Pinnacle Ins Solutions stands out for its personalized attention, making them a trusted partner in fostering a healthier, more satisfied workforce.

Over 50 Million people worldwide have chosen Aflac because of our commitment to providing customers with the confidence that comes from knowing they have assistance in being prepared for whatever life may bring. With Aflac, whether you're a large business or a small one, you can provide your employees with the kind of benefits they’d expect from a bigger company, helping your business stand out from the crowd. Hundreds of thousands of businesses across the United States already make Aflac available to their employees—at no direct cost to their company. Choose from a wide range of products that can help your employees with health events—from accidents, to disability, to cancer, to life insurance. Your employees enjoy benefits from Aflac, all employee-paid. Please check out aflac.com for more information.