Wades is a financial planning company that thinks differently about money. How? Well, we believe the truth about money is that it’s simply a means to an end. So we concentrate on that end: your aspirations, goals and family security. After we’ve established what you want to get out of life, the money part of the equation really takes care of itself. What we do OUR MANTRA It’s about people, not products. It’s about prudence, not performance. It’s about people attaining and then maintaining the life they want. It’s about families being financially secure. OUR METHODOLOGY We believe that until we really know about our clients’ lives and aspirations we have no right to talk to them about their money. That’s why our methodology is structured around them, not the market or the financial products currently available. This is exactly the opposite approach most Financial Planners adopt. Our approach has 3 key stages 1. LIFE PLANNING 2. FINANCIAL PLANNING 3. INDEPENDENT FINANCIAL ADVICE

JS Benefits Group is all things Employee Benefits! We are a thriving Employee Benefit and HR consultancy, employing a stellar team of professionals and also working with more than 30 of the nation’s top carriers. We work with employers in the Mid-Atlantic region of the US, having anywhere from 30 to 30,000 employees. We offer the following Group Benefits and HR Consulting services: Group Health, Life, Dental, Vision, Disability, Voluntary Benefits, Turn-Key Wellness Programs, Executive Benefits, HR Consulting, Healthcare Reform and other compliance services. With more than 25 years of experience, JS Benefits Group operates on a set of core principals instilled into the company’s overall philosophy. -Superior customer service which is reflected in a high degree of customer retention of our 900+ clients. -Strategic partnerships that strive to fully understand our clients’ needs and be a valuable extension of their HR and Benefits departments. -Experienced proactive approach helps us to save clients time and money in delivering a customized program that is compliant with all regulatory requirements, while maximizing the return on their investment. -Cutting-edge technology designed to simplify and ease the management of employee benefits, in addition to enhancing the employee user experience. We’d love to meet with your company today to show you what we can do for you!

Cummings Insurance Agency is a trusted local insurance broker based in Scranton, Pennsylvania, providing comprehensive insurance solutions to clients of all sizes, including large, midsize, and small employers. While they have received some lower reviews from customers, they are committed to addressing any concerns and continuously improving their services. One notable example of their expertise and client-focused approach is their collaboration with Diaz Stone and Pallet, Inc. As a 220-member employer in the foundation, structure, and building exterior contractors industry, Diaz Stone and Pallet, Inc. sought the assistance of Cummings Insurance Agency to set up a self-funding arrangement that met their unique needs. Cummings Insurance Agency worked closely with the HR and finance team of Diaz Stone and Pallet, Inc. to tailor a self-funding plan specifically designed for their members. With a wide range of experience across different client sizes and industries, Cummings Insurance Agency has accumulated valuable knowledge in various sectors. They possess strong expertise in support activities for water transportation, residential building construction, printing, and related support activities industries. Operating primarily in Pennsylvania, the Scranton office of Cummings Insurance Agency serves clients throughout the state. Their dedication to serving their clients' insurance needs is evident through their diverse portfolio of employer clients, including Mountain Energy Services Inc, Deer Park Lumber Inc, Diaz Stone and Pallet, Inc., and Goodwill Industries of Northeastern PA Administrative Office. Cummings Insurance Agency aims to provide reliable insurance coverage and exceptional service to their clients. They are continually striving to improve and address any concerns raised by customers, ensuring their clients receive the best insurance solutions tailored to their specific needs.

NJ Group Services is a trusted partner for comprehensive insurance solutions. We specialize in tailoring insurance packages to fit the needs of businesses, employees, and individuals alike. Whether you're a small startup, a large corporation, or a personal consumer, NJ Group Services is here to cater to all your insurance needs. We pride ourselves on delivering streamlined experiences, ensuring that you can focus on what matters most---your success. We offer customized employee benefit plans, personal insurance, commercial insurance, 401ks, compliance, and so much more. Make sure to contact our team or visit our website to learn more.

OneDigital’s team of fierce advocates helps businesses and individuals achieve their aspirations of health, success and financial security. Our insurance, financial services and HR platform provide personalized, tech-enabled solutions for a contemporary work-life experience. Nationally recognized for our culture of caring, OneDigital’s teams enable employers and individuals to do their best work and live their best lives. More than 100,000 employers and millions of individuals rely on our teams for counsel and access to fully integrated worksite products and services and the retirement and wealth management advice provided through OneDigital Investment Advisors. Founded in 2000 and headquartered in Atlanta, OneDigital maintains offices in most major markets across the nation. OneDigital has received the Glassdoor Employees’ Choice Award for Best Places to Work in 2023. For more information, visit onedigital.com.

NJHA Healthcare Business Solutions (NJHA HBS) helps healthcare organizations manage their supply and operations costs by providing access to an exceptional portfolio of high-quality contracts, benefits and consultative services - without membership fees or mandatory compliance levels. By fostering a collaborative partnership with our customers, NJHA's experienced staff helps members choose solutions that best fit their customers'​ unique needs. Our Health Information Services (HIS) division has been the trusted advocate for HIM professionals for three decades and is committed to helping them achieve excellence in their demanding and changing roles. From backlog coding, data quality reviews, and interim management NJHA HBS is the premier HIM consulting company with unparalleled expertise. Specialties: HIM Consulting; Coding Services; ICD-10 Education Programs (Coder/Billing/Physician); ICD-10 Readiness Assessments; HIM Interim Management and Operational Assessments; RAC Tracking Software – AUDIT Trax. Website: www.NJHAIS.com Website: www.njha.com/business-services/

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.

The Peterman Group combines years of experience with leading-edge products to provide exceptional service and value to our customers. Our product offering includes insurance products and risk management services for commercial property, casualty, and marine; specialty coverages; surety; and employee benefits, including health, life, disability, and payroll deduction personal lines programs. Headquartered in Montgomeryville, PA we think globally but act locally, with personal services designed specifically for each individual client. The Peterman Group shares information and resources with national networks of brokers to ensure we can meet your every need, and find answers to your questions quickly and efficiently.

The Wilshire Group is a healthcare consulting firm with years of experience and success in implementing Healthcare Information Technology and helping organizations transform their business and financial operations. With a focus on Revenue Cycle Management, our mission is to help healthcare organizations use information technology to simplify complex workflows/processes and improve operational productivity. In accordance with Epic Implementation being one of our core consulting service offerings, Wilshire provides expertise to help install the system as efficiently as possible.

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

Johnson, Kendall and Johnson (JKJ) is an insurance brokerage and risk management firm located in Newtown, PA that has been managing corporate and personal needs for over fifty years. JKJ's personalized services in Property & Casualty Insurance, Risk & Safety Management Services and Claims Consulting, Group Benefits, Individual Life, Home and Asset Protection Program Development, Financial Services and Retirement Planning allows JKJ clients to focus on their respective businesses while JKJ provides direction in managing the risk. Our diverse clientele challenges us to create programs unique to each client. Johnson, Kendall & Johnson is licensed in various lines of business in all 50 states, with access to all of the major insurance markets. In addition, we are founding board members of RiskProNet International and UNIBA. These organizations support JKJ and one another’s ability to work with and provide dedicated service to international clients, conducts various business lines in all 50 states, with access to all of the major insurance markets. Please Go to Security Disclosures: http://www.jkj.com/social-media-disclosures/