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

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

Emery & Webb is a family owned insurance company, in business since 1886, with over 100 trained insurance professionals who serve clients throughout New York's Hudson Valley and across the United States. We offer home, auto, business, life, and group health insurance solutions, as well as insurance and risk management products for specialty markets including dental malpractice, music industry insurance, religious institutions, and non-profit organizations.

Clarity Business IT Solutions, situated in the bustling heart of New York, NY, stands out as a specialized local brokerage firm. They have carved a niche for themselves by offering tailored insurance solutions, particularly in medical and ancillary benefits. Their expertise is evident in their successful partnerships with a variety of local and regional employers, showcasing a deep understanding of diverse industry needs. One of Clarity's notable achievements is their collaboration with Graff Holdings, a key player in the New York retail trade industry. Servicing over 120 participants, Clarity has demonstrated their ability to handle complex benefit needs in a dynamic retail environment. This success story is a testament to their adaptability and proficiency in navigating the intricacies of retail trade insurance requirements. Furthermore, their prowess extends to serving clients like Dana Distributors, a prominent name in the beer, wine, and distilled alcoholic beverage merchant wholesalers industry, based in LA. Here, they manage benefits for 100+ participants, highlighting their capacity to offer customized solutions across state lines. This experience underscores their versatility and expertise in catering to the unique demands of the alcoholic beverage distribution sector. Clarity Business IT Solutions’ proficiency across retail trade and alcoholic beverage distribution industries, coupled with their deep roots as a local brokerage, positions them as a strategic partner for employers looking to navigate the complexities of employee benefits. Their New York office, leveraging local insights and broad industry expertise, makes them a compelling choice for businesses seeking comprehensive and tailored insurance solutions.

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.

William A Smith & Son Inc is a trusted insurance broker located in Newburgh, New York. With their extensive experience and dedication to customer satisfaction, they have earned a stellar reputation in the industry. Catering primarily to large employers, William A Smith & Son Inc works with a diverse range of clients, including prestigious organizations like The Business Council Of New York State, Inc. Insurance Fund. In addition to serving clients in their local community, this branch of William A Smith & Son Inc also extends their services to clients located in Georgia and Minnesota. The team at William A Smith & Son Inc prides themselves on their exceptional customer service and deep understanding of the insurance industry. They consistently receive rave reviews from their clients, who appreciate their personalized approach and expert guidance. Whether it's assisting with policy selection, providing risk management advice, or handling claims, William A Smith & Son Inc goes above and beyond to ensure their clients' needs are met. While they serve clients across various industries, William A Smith & Son Inc specializes in tailoring insurance solutions to the unique requirements of each client. With their strong expertise and knowledge, they have successfully navigated the insurance landscape for clients in diverse sectors. For businesses seeking a reliable insurance broker in Newburgh, William A Smith & Son Inc is the go-to choice. Their exceptional service, extensive industry experience, and top-notch expertise make them a trusted partner in meeting insurance needs.

Acrisure Protection Group, formally Southwest Dealer Services offers dealer clients the industry leading F&I voluntary protection products, reinsurance/dealer participation programs, anti-theft programs, and dealer-centric P&C/worker comp offerings. We boast a national network of more than 3,000 active dealers across all 50 states. With driven focus for product innovation, compliance expertise, and results-driven training, We have redefined how our dealer clients measure success and grow their bottom line.