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

Alera Group is a growing leader, reimagining the complex risk management, insurance and financial services delivery experience through intentional collaboration connecting clients to holistic solutions that protect and grow all they value most. Working collaboratively across specialties and across the country, Alera Group’s team of more than 4,400 colleagues offer unique solutions, personalized services and proactive insights to help ensure each client’s business and personal success. By harnessing the power of purposeful collaboration, our colleagues deliver clear, holistic solutions to the most complex business and personal challenges.

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.

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

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.

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.

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

R C Lain, situated in Poughkeepsie, NY, stands as a distinguished insurance broker specializing in employer benefits with a notable focus on medical and ancillary coverage. Boasting extensive expertise in serving both local and regional employers, this office excels in tailoring comprehensive benefit solutions to meet the unique needs of businesses in the area. One of R C Lain's key strengths lies in its adept handling of clients in the general freight trucking industry. Noteworthy customers such as Mid-Jersey Trucking Industry and Teamsters Local 701 Welfare Fund underscore the broker's commitment to delivering tailored benefits packages. In the competitive landscape of the general freight trucking sector, R C Lain has established itself as a trusted partner, providing valuable insights and strategic guidance. This Poughkeepsie-based location is an integral part of a local brokerage firm, leveraging the collective strength and resources of the broader network. This affiliation enhances their ability to stay abreast of industry trends and deliver cutting-edge solutions to clients. R C Lain's commitment to excellence and in-depth understanding of the intricacies of employer benefits make them a reliable choice for businesses seeking tailored insurance solutions in the Poughkeepsie, NY region.

Reliable Brokerage Inc's New York, NY office stands as a prominent player in the insurance brokerage landscape, offering a comprehensive range of services to employers seeking top-notch benefits solutions. Boasting a substantial team and considerable local influence, this larger office caters adeptly to the diverse needs of midsize and small employers alike. Distinguishing themselves in the market, they have cultivated extensive experience in handling self-funded clients, providing invaluable support to local and regional employers. Their portfolio includes notable collaborations with industry leaders, such as Hamaspik Care, Hamaspik Choice, and Hamaspik of Kings County, showcasing their prowess in navigating the intricacies of the home health care services and nursing and residential care facilities sectors. What sets this office apart is its versatile expertise across various industries, including home health care services, furniture and related product manufacturing, and retail trade. As a pivotal component of a local brokerage firm, Reliable Brokerage Inc in New York, NY, leverages its collective knowledge to deliver tailored solutions that meet the unique demands of employers in the region. With a proven track record of success and a keen focus on personalized service, this office emerges as a reliable partner for employers seeking a strategic and experienced insurance broker. Their commitment to excellence, coupled with a wealth of industry knowledge, positions them as a go-to resource for businesses aiming to optimize their employee benefits offerings.

R. Stephens Financial, Inc., located in the heart of New York, NY, stands out as a premier insurance broker, specializing in employer benefits with a keen focus on medical and ancillary coverage. Boasting a wealth of experience in serving the needs of local and regional employers, this office has become a trusted partner for businesses seeking comprehensive and tailored insurance solutions. A notable strength lies in their in-depth understanding of specific industries, particularly excelling in catering to companies in printing and related support activities and specialty food retailers. Among their distinguished clientele are Inter-County Bakers, a leading specialty food retailer in New York, with a participant count exceeding 180, and Accurate Box Company, a printing industry player in New Jersey, benefitting from coverage for over 80 participants. As a part of a respected local brokerage firm, R. Stephens Financial, Inc. brings a personalized touch to every client relationship. The team at this New York location prides itself on not just providing insurance but on crafting strategies that align with each client's unique business needs. Their commitment to expertise, tailored solutions, and local market insight makes R. Stephens Financial, Inc. a go-to partner for employers seeking reliable and comprehensive benefit packages.