Podcasts about guardian life insurance company

CFP and host, Bryan Kuderna, discusses the history of Social Security and the current state of the entitlement before explaining how Social Security benefits get taxed. The episode concludes with several tips to mitigate Social Security taxes in retirement. For more information on Social Security, head to https://www.ssa.gov. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194

Eric E. Liriano, CFP®, is the Principal and Founder of Liriano Wealth Advisory Group, LLC, with over 25 years of experience in the financial planning industry. A graduate of Boston College with a degree in Business Marketing and Communications, Mr. Liriano employs a distinctive macroeconomic approach to wealth accumulation and preservation.He serves a diverse clientele, including business owners, executives, affluent families, and professionals in academia. As a sought-after speaker, he frequently leads financial planning seminars for employees of major corporations, healthcare organizations, and educational institutions.His areas of expertise include estate planning, insurance, investment strategies, employee and executive benefits, and retirement planning. Through comprehensive financial guidance, he helps individuals and businesses secure their financial futures with confidence.Learn more: http://www.lirianowealthadvisory.com/Phone: 617-969-2933Check the background of your financial professional on FINRA's Broker Check.https://brokercheck.finra.org/individual/summary/1905998 The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker – dealer, state – or SEC – registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security. Investment advisory services offered through Liriano Wealth Advisory Group LLC., an SEC Registered Investment Adviser* located in Newton, MA and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which Liriano Wealth Advisory Group LLC maintains clients. Liriano Wealth Advisory Group LLC may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. Liriano Wealth Advisory Group LLC's website is limited to the disseminations of general information regarding its investment advisory services to United States residents residing in states where providing such information in not prohibited by applicable law.The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks of Guardian. © 2005-2023 The Guardian Life Insurance Company of America. Online Terms & Conditions – https://static.fmgsuite.com/media/documents/b73e8f1c-12a6-4dc0-ac5e-b6bb81e5bea3.pdfOnline Privacy Policy – https://static.fmgsuite.com/media/documents/36a04efa-7d6f-4790-89b6-9cbc6de8d003.pdf Important Disclosures – http://www.guardianlife.com/Disclosures/index.htmCalifornia Insurance ID # OC63111.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-eric-liriano-cfp-principal-and-founder-of-liriano-wealth-advisory-group-tax-free-investing-and-retirement-for-legacy-planning

Eric E. Liriano, CFP®, is the Principal and Founder of Liriano Wealth Advisory Group, LLC, with over 25 years of experience in the financial planning industry. A graduate of Boston College with a degree in Business Marketing and Communications, Mr. Liriano employs a distinctive macroeconomic approach to wealth accumulation and preservation.He serves a diverse clientele, including business owners, executives, affluent families, and professionals in academia. As a sought-after speaker, he frequently leads financial planning seminars for employees of major corporations, healthcare organizations, and educational institutions.His areas of expertise include estate planning, insurance, investment strategies, employee and executive benefits, and retirement planning. Through comprehensive financial guidance, he helps individuals and businesses secure their financial futures with confidence.Learn more: http://www.lirianowealthadvisory.com/Phone: 617-969-2933Check the background of your financial professional on FINRA's Broker Check.https://brokercheck.finra.org/individual/summary/1905998 The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker – dealer, state – or SEC – registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security. Investment advisory services offered through Liriano Wealth Advisory Group LLC., an SEC Registered Investment Adviser* located in Newton, MA and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which Liriano Wealth Advisory Group LLC maintains clients. Liriano Wealth Advisory Group LLC may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. Liriano Wealth Advisory Group LLC's website is limited to the disseminations of general information regarding its investment advisory services to United States residents residing in states where providing such information in not prohibited by applicable law.The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks of Guardian. © 2005-2023 The Guardian Life Insurance Company of America. Online Terms & Conditions – https://static.fmgsuite.com/media/documents/b73e8f1c-12a6-4dc0-ac5e-b6bb81e5bea3.pdfOnline Privacy Policy – https://static.fmgsuite.com/media/documents/36a04efa-7d6f-4790-89b6-9cbc6de8d003.pdf Important Disclosures – http://www.guardianlife.com/Disclosures/index.htmCalifornia Insurance ID # OC63111.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-eric-liriano-cfp-principal-and-founder-of-liriano-wealth-advisory-group-tax-free-investing-and-retirement-for-legacy-planning

Eric E. Liriano, CFP®, is the Principal and Founder of Liriano Wealth Advisory Group, LLC, with over 25 years of experience in the financial planning industry. A graduate of Boston College with a degree in Business Marketing and Communications, Mr. Liriano employs a distinctive macroeconomic approach to wealth accumulation and preservation.He serves a diverse clientele, including business owners, executives, affluent families, and professionals in academia. As a sought-after speaker, he frequently leads financial planning seminars for employees of major corporations, healthcare organizations, and educational institutions.His areas of expertise include estate planning, insurance, investment strategies, employee and executive benefits, and retirement planning. Through comprehensive financial guidance, he helps individuals and businesses secure their financial futures with confidence.Learn more: http://www.lirianowealthadvisory.com/Phone: 617-969-2933Check the background of your financial professional on FINRA's Broker Check.https://brokercheck.finra.org/individual/summary/1905998 The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker-dealer, state – or SEC – SEC-registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security. Investment advisory services offered through Liriano Wealth Advisory Group LLC., an SEC Registered Investment Adviser* located in Newton, MA, and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which Liriano Wealth Advisory Group LLC maintains clients. Liriano Wealth Advisory Group LLC may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. Liriano Wealth Advisory Group LLC's website is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information in not prohibited by applicable law. The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks of Guardian. © 2005-2023 The Guardian Life Insurance Company of America.Online Terms & Conditions – https://static.fmgsuite.com/media/documents/b73e8f1c-12a6-4dc0-ac5e-b6bb81e5bea3.pdfOnline Privacy Policy – https://static.fmgsuite.com/media/documents/36a04efa-7d6f-4790-89b6-9cbc6de8d003.pdfImportant Disclosures – http://www.guardianlife.com/Disclosures/index.htmCalifornia Insurance ID # OC63111.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-eric-liriano-cfp-principal-and-founder-of-liriano-wealth-advisory-group-ira-strategy

Eric E. Liriano, CFP®, is the Principal and Founder of Liriano Wealth Advisory Group, LLC, with over 25 years of experience in the financial planning industry. A graduate of Boston College with a degree in Business Marketing and Communications, Mr. Liriano employs a distinctive macroeconomic approach to wealth accumulation and preservation.He serves a diverse clientele, including business owners, executives, affluent families, and professionals in academia. As a sought-after speaker, he frequently leads financial planning seminars for employees of major corporations, healthcare organizations, and educational institutions.His areas of expertise include estate planning, insurance, investment strategies, employee and executive benefits, and retirement planning. Through comprehensive financial guidance, he helps individuals and businesses secure their financial futures with confidence.Learn more: http://www.lirianowealthadvisory.com/Phone: 617-969-2933Check the background of your financial professional on FINRA's Broker Check.https://brokercheck.finra.org/individual/summary/1905998 The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker-dealer, state – or SEC – SEC-registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security. Investment advisory services offered through Liriano Wealth Advisory Group LLC., an SEC Registered Investment Adviser* located in Newton, MA, and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which Liriano Wealth Advisory Group LLC maintains clients. Liriano Wealth Advisory Group LLC may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. Liriano Wealth Advisory Group LLC's website is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information in not prohibited by applicable law. The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks of Guardian. © 2005-2023 The Guardian Life Insurance Company of America.Online Terms & Conditions – https://static.fmgsuite.com/media/documents/b73e8f1c-12a6-4dc0-ac5e-b6bb81e5bea3.pdfOnline Privacy Policy – https://static.fmgsuite.com/media/documents/36a04efa-7d6f-4790-89b6-9cbc6de8d003.pdfImportant Disclosures – http://www.guardianlife.com/Disclosures/index.htmCalifornia Insurance ID # OC63111.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-eric-liriano-cfp-principal-and-founder-of-liriano-wealth-advisory-group-ira-strategy

Eric E. Liriano, CFP®, is the Principal and Founder of Liriano Wealth Advisory Group, LLC, with over 25 years of experience in the financial planning industry. A graduate of Boston College with a degree in Business Marketing and Communications, Mr. Liriano employs a distinctive macroeconomic approach to wealth accumulation and preservation.He serves a diverse clientele, including business owners, executives, affluent families, and professionals in academia. As a sought-after speaker, he frequently leads financial planning seminars for employees of major corporations, healthcare organizations, and educational institutions.His areas of expertise include estate planning, insurance, investment strategies, employee and executive benefits, and retirement planning. Through comprehensive financial guidance, he helps individuals and businesses secure their financial futures with confidence.Learn more: http://www.lirianowealthadvisory.com/Phone: 617-969-2933Check the background of your financial professional on FINRA's Broker Check.https://brokercheck.finra.org/individual/summary/1905998The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker – dealer, state – or SEC – registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security.Investment advisory services offered through Liriano Wealth Advisory Group LLC., an SEC Registered Investment Adviser* located in Newton, MA and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which Liriano Wealth Advisory Group LLC maintains clients. Liriano Wealth Advisory Group LLC may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. Liriano Wealth Advisory Group LLC's website is limited to the disseminations of general information regarding its investment advisory services to United States residents residing in states where providing such information in not prohibited by applicable law.The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks of Guardian. © 2005-2023 The Guardian Life Insurance Company of America.Online Terms & Conditions – https://static.fmgsuite.com/media/documents/b73e8f1c-12a6-4dc0-ac5e-b6bb81e5bea3.pdfOnline Privacy Policy – https://static.fmgsuite.com/media/documents/36a04efa-7d6f-4790-89b6-9cbc6de8d003.pdfImportant Disclosures – http://www.guardianlife.com/Disclosures/index.htmCalifornia Insurance ID # OC63111.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-eric-liriano-cfp-principal-and-founder-of-liriano-wealth-advisory-group-moving-from-accumulation-to-distribution-phases-in-planning-for-retirement

Eric E. Liriano, CFP®, is the Principal and Founder of Liriano Wealth Advisory Group, LLC, with over 25 years of experience in the financial planning industry. A graduate of Boston College with a degree in Business Marketing and Communications, Mr. Liriano employs a distinctive macroeconomic approach to wealth accumulation and preservation.He serves a diverse clientele, including business owners, executives, affluent families, and professionals in academia. As a sought-after speaker, he frequently leads financial planning seminars for employees of major corporations, healthcare organizations, and educational institutions.His areas of expertise include estate planning, insurance, investment strategies, employee and executive benefits, and retirement planning. Through comprehensive financial guidance, he helps individuals and businesses secure their financial futures with confidence.Learn more: http://www.lirianowealthadvisory.com/Phone: 617-969-2933Check the background of your financial professional on FINRA's Broker Check.https://brokercheck.finra.org/individual/summary/1905998The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker – dealer, state – or SEC – registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security.Investment advisory services offered through Liriano Wealth Advisory Group LLC., an SEC Registered Investment Adviser* located in Newton, MA and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which Liriano Wealth Advisory Group LLC maintains clients. Liriano Wealth Advisory Group LLC may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. Liriano Wealth Advisory Group LLC's website is limited to the disseminations of general information regarding its investment advisory services to United States residents residing in states where providing such information in not prohibited by applicable law.The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks of Guardian. © 2005-2023 The Guardian Life Insurance Company of America.Online Terms & Conditions – https://static.fmgsuite.com/media/documents/b73e8f1c-12a6-4dc0-ac5e-b6bb81e5bea3.pdfOnline Privacy Policy – https://static.fmgsuite.com/media/documents/36a04efa-7d6f-4790-89b6-9cbc6de8d003.pdfImportant Disclosures – http://www.guardianlife.com/Disclosures/index.htmCalifornia Insurance ID # OC63111.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-eric-liriano-cfp-principal-and-founder-of-liriano-wealth-advisory-group-moving-from-accumulation-to-distribution-phases-in-planning-for-retirement

White v. Guardian Life Insurance Company

With the first quarter of the year behind us, Frank Congilose, Managing Partner at C&A Financial Group, and Mike Trudel, Managing Director at BlackRock, reflect on recent market volatility and share insights to help investors stay confident and focused as they plan for the rest of the year.Recorded: April 16, 2025C&A Financial Group 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: C&A Financial Group: 2111 Route 34, Suite 100, Wall, NJ 07719, (732) 528-4800. PAS is a wholly owned subsidiary of Guardian. This firm is not an affiliated or subsidiaries of PAS. This material is intended for general use. By providing this content Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS). This material is intended for general use. By providing this content The Guardian Life Insurance Company of America 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. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. C&A Financial Group is not an affiliate or subsidiary of PAS or Guardian. Frank Congilose California License# 0M07287.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. An opinion stated are their own. Diversification does not guarantee profit or protect against market loss. All investments contain risk and may lose value. Investing in the bond market is subject to certain risks including market, interest rate, issuer, credit, and inflation risk. Equities may decline in value due to both real and perceived general market economic and industry condition. Investing in foreign securities may involve heightened risk including currency fluctuation, less liquid trading markets, greater price volatility, political and economic instability, less publicly available information, and changes in tax or currency laws. Such risks may be enhanced in emergent markets. Past performance is not a guarantee of future results. Data and rates used are indicative of market conditions as of the date shown. Opinions, estimates, forecasts, and statements of financial market trends are based on the current market conditions and are subject to change without notice. References to specific securities, asset classes and financial markets are for illustrative purposes only and do not constitute a solicitation, offer or recommendation to purchase or sell securities. Past performance is not a guarantee of future results. S&P 500 Index is a market index generally considered representative of the stock market as a whole. The index focuses on the large cap segment of the U.S. Equities Market. Industries are managed and cannot invest directly. 2025-7871162.1 Exp 04/27To learn more about C&A Financial Group, schedule a meeting or to consider a career with us, visit www.ca-strategy.com for more information. Follow us online on Facebook, LinkedIn and YouTube

Bryan compares Trump's first term including the economic landscape, stock market, global conflicts, and tariff schedule to Trump's second term. He highlights the impact of initial tariffs against China and the Tax Cuts and Jobs Act on the stock market in 2017 and 2018. Many similarities between the two terms and their trade wars can offer insights to investors. This episode's content can be supplemented by a more historical view on economics in Bryan's book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available wherever books are sold. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 

In this insightful episode of Slick Talk, Wil Slickers introduces a new format that expands beyond hospitality into business and entrepreneurship. Wil is joined by Shane Bauman, founder of RISE Wealth Strategies and host of 'Building the Biz' podcast. Shane shares his vision of freeing people from debt and the constraints of the financial system to enable them to live beyond money. Together, they dive into creating sticky company cultures, overcoming mindset challenges, fostering empathy in the workplace, and the importance of intentionality. Shane also discusses his entrepreneurial journey, personal struggles with shame, and practical strategies for achieving long-term goals. Tune in for a deep and candid conversation packed with valuable insights for entrepreneurs and business leaders navigating today's challenges. This episode is brought to you by our sponsors at: This episode is brought to you by Fido! Professionals know that taking out the trash suck and is often missed! Well, not anymore, because Fido offers amazing bin-to-curb service. If you mention the podcast, they will take great care of you! Go to getfido.com to learn more! Hostfully – Use code SLICKTALK for three months free of their digital guidebook or $100 off their property management platform! Send Squared, the Hubspot for Hospitality Brands & Professionals! Get your business and leads organized and automated with Send Squared, the industry's best CRM! ——– Thank you for tuning into our podcast! Slick Talk is a Hospitality.FM production, and you can find more of our shows at Hospitality.FM or anywhere else you listen to your podcasts! Listen to more episodes on our website and take a look at our amazing podcast and network sponsors that make this all possible! You can also listen to our Monday morning podcast, Good Morning Hospitality, where we discuss the industry in a more casual setting! If you ever want to contact us for guest suggestions or anything else related to the podcast, please fill out our contact form, and we will be in touch! Last but not least, we love to connect on LinkedIn! Let's connect there so you can see the daily content we post beyond the podcast! Disclosure: Shane Bauman is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. RISE is not an affiliate or subsidiary of PAS or Guardian. This podcast is for informational purposes only. The host and their firms are not affiliated with or endorsed by PAS, Guardian, or RISE and opinions stated are their own. 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. 7547852.1 Exp. 1/27 Learn more about your ad choices. Visit megaphone.fm/adchoices

Host, Bryan Kuderna, puts on his CFP hat to discsuss the concept of tax loss harvesting, explaining its significance in investing and tax planning. He discusses how to offset capital gains with capital losses, the importance of understanding capital gains taxes versus income taxes, the wash sale rule, capital loss income tax deduction, and when to implement tax loss harvesting effectively.    Chapters 00:00- Introduction to Tax Loss Harvesting 13:20- When to Use Tax Loss Harvesting 24:46- Current Market Context and Strategy   Keywords: tax loss harvesting, capital gains, investment strategy, tax planning, financial advice, portfolio management, tax benefits, investment returns, market trends, financial education, cfp, kuderna   This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194    7385803.1 exp. 11/26    

Mark Matson is the CEO of Matson Money, managing over $11 billion in assets. He is an entrepreneur, author, and innovator in the fields of investing science and financial education. Mark works with over 300 advisory practices across the U.S., Canada, and Puerto Rico. He is the author of "Experiencing The American Dream" and frequent contributor to Fox Business, CNBC, Yahoo Finance, and Bloomberg.   This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194  7347960.1 exp. 11/26

Kuderna provides a comprehensive analysis of the economic agendas of the 2024 presidential candidates, Kamala Harris and Donald Trump. He discusses key economic indicators such as unemployment, inflation, GDP, national debt, and the stock market, setting the stage for a detailed examination of each candidate's proposals. Harris's agenda focuses on increasing taxes on corporations and the wealthy while providing support for young families and first-time homebuyers. In contrast, Trump's agenda emphasizes tax cuts, deregulation, and a strong stance on international trade, particularly with China.   Chapters 00:00- Introduction to the Economic Landscape 10:37- Kamala Harris's Economic Agenda 17:10- Donald Trump's Economic Agenda 28:39- Concerns and Opportunities in Economic Policies   keywords: election 2024, economic agenda, Kamala Harris, Donald Trump, personal finance, unemployment, inflation, GDP, national debt, stock market     This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194    7245090.1 exp. 10/26

Bryan discusses the pros and cons of custodial accounts, particularly UTMAs (Uniform Gift to Minors Act). He covers the 2024 gifting limits and lifetime estate tax exemption, restrictions on custodial accounts, and potential tax advantages. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194  7202937.1 exp. 10/26

Episode 033 | Larry Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF (oh my!) of Physician Financial Services is a great person to know if you're in the market for disability insurance. If you're a physician and have never even thought about or heard of disability insurance, he's an even better person to know.There is no shortage of insurance agents and/or financial advisors who work with or want to work with physicians. However, the one thing that cannot be replicated is experience. Working with an Insurance Agent familiar with the underwriting of both disability and life insurance policies can potentially minimize any surprises during the process.Larry spoke at the 2022 Physician Wellness and Financial Literacy Conference (WCICON22) and is a frequent contributor to White Coat Investor. While he might not be a doctor's first phone call regarding their insurance needs, he is often their last.Tune in to hear Larry's story and learn about the vital role disability insurance plays in a physician's overall financial health.Connect with and learn more about Larry Keller, CFP, and Physician Financial Services

Sevelitte v. The Guardian Life Insurance Company of America

Stephen Foerster, a professor of finance at the Ivy Business School, discusses various topics related to investing, including the impact of election years on the markets, the importance of having an investment philosophy, and the role of bonds in a portfolio. Foerster shares his personal investment philosophy and highlights the challenges of trying to outperform the market. He also shares stories from history, such as Roman generals and the New York Mets, to illustrate investing lessons about knowing when to do nothing and understanding opportunity costs. Learn more about Steve's work and new book at https://stephenrfoerster.com. Keywords: investing, election years, markets, investment philosophy, bonds, national debt, government bonds, corporate bonds, risk-free, interest rates, inflation, bond prices, investment horizon, liquidity needs, inverted yield curve, diversification, opportunity costs, financial goals Chapters 00:00- Introduction and Background of Stephen Foerster 03:33- The Importance of an Investment Philosophy 16:14- The Role of Financial Advisors in Emotional Support 18:07- The Value of Simplicity and Index Funds 20:04- The Impact of Presidential Policies and Interest Rates 28:30- The Concerns Surrounding the National Debt 34:3- Understanding the Distinction between Government Bonds and Corporate Bonds 37:55- The Risk of Not Getting Money Back with Corporate Bonds 44:28- The Inverse Relationship between Interest Rates and Bond Prices 51:53- The Importance of Diversification in Investment Portfolios 57:13- Knowing When to Not Take Action 01:05:46- The Three Levers to Reach Financial Goals This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #7006931.1 Exp. 9/26

Podcast Episode Description:  Anshul, Blood Bank of Delmarva Volunteer, joins Angela Williamson, CVA and I to share how his views on volunteerism have drastically changed after actually volunteering. He discusses how he didn't truly understand the value of volunteers and was skeptical that they could be reliable or dedicated, and had doubts that a team of volunteers could actually make an impact. He has seen the light and drops incredible gems such as, “just because I am a volunteer doesn't mean I can't be excellent and what I do”, and has sage advice for leaders of volunteers regarding obtaining buy-in at your organization. I promise, we did not pay him to say all that he did! Take a listen and you'll understand what I mean! Connect with Angela: https://www.linkedin.com/in/angelawilliamsoncva/ https://www.angelawilliamsoncva.com Bio: Angela Williamson, CVA, appreciates the many people who have shared information, wisdom, and encouragement with her and loves to pay it forward to others.  She is the Volunteer and Community Relations Specialist at the Blood Bank of Delmarva where she's increased volunteer engagement from around 70 volunteers to over 300 in four years expanding the variety of roles and departments with volunteer engagement.  She uses her decade of experience as well as her 2022 AL!VE Impact Award to springboard her Volunteer Engagement Acceleration Consulting Business. She wants you to know you too are amazing and we are all in a journey together making the world a better place.   Connect with Anshul: YouTube   TikTok, Facebook  Bio: Anshul Gupta worked at Fortune 500 companies in various roles delivering customer service, technology program management, Agile transformation, and product coaching for 36 years, working with global teams, most recently at Comcast, Guardian Life Insurance Company, Blue Cross Blue Shield of Michigan, and S&P Global. In addition to his career, he has two children, is married and lives with his spouse Sajani, and enjoys hobbies such as investment planning, weight training, cooking, swimming, traveling, and learning to play the dhol (Indian drum). After leaving the professional life, Anshul decided to become a social media influencer in health and fitness; he has a presence on YouTube and TikTok, and moderates a Facebook group with 300K members on the subject of physical fitness and nutrition. Anshul recently became a volunteer for Blood Bank of Delmarva; he decided to do so after donating blood at the Newark Center where he savored the user experience and learned more about the invaluable contributions to public health that BBD represents in saving lives. Learn more about how Nicole can help your volunteer program grow and flourish when you visitwww.nicolersmith.com

Benjamin Reigle, founder and host of the Revenue Cycle podcast "My Good Friends," shares his extensive experience in the healthcare industry, including co-founding Health Rise Consulting Firm and leading initiatives at companies like McKinsey & Company and Accredited Health (now R1). He is also the CEO of Tarpon Health, a community driving automation for healthcare providers. In this episode, Benjamin dives into the topic of healthcare change, emphasizing the importance of understanding industry shifts. Stay tuned to gain insights into the evolving landscape of healthcare. The Change Healthcare breach, as discussed in the podcast episode with Benjamin Reigle, has had a profound impact on the healthcare industry. The breach resulted in challenges with claim submission, cash flow, and data security, affecting not only the operations of Change Healthcare but also having a ripple effect on healthcare providers, payers, and patients. The breach led to issues with claim submission, as some payers who relied solely on Change as their intermediary were unable to process claims. This created a backlog of claims and disrupted the revenue cycle for many healthcare organizations. Some providers resorted to manual processes, such as printing and mailing claims, which added complexity and delays to the billing process. Cash flow was significantly impacted by the breach, especially for smaller healthcare entities like physician groups and community hospitals. With claims not being processed efficiently, these organizations faced financial strain due to delayed payments and uncertainty about when the situation would be resolved. The lack of cash flow threatened the financial stability of these smaller entities, highlighting the importance of having contingency plans and backup systems in place. Data security concerns arose as a result of the breach, with questions about the extent of the data compromised and the potential implications for patient privacy. The breach raised questions about the adequacy of security measures in place and the vulnerability of healthcare systems to cyber threats. The need for enhanced data security protocols and proactive measures to prevent future breaches became a pressing issue for healthcare organizations. Experian Health Client Communication February 23, 2024 Experian Health is aware of Change Healthcare's (Optum's) announcement on February 21 about a cybersecurity incident affecting its systems. Experian's Cyber Incident Response team and Cyber Threat Intelligence teams have been engaged and are closely monitoring the situation. We have not seen evidence of a threat to Experian. Out of an abundance of caution and consistent with Experian's security practices, Experian has temporarily severed connectivity to Change Healthcare. During the period of this severed connectivity, there will be an impact to batch and EDI authorizations, claims and remits, claim status, eligibility, and notice of care transactions that Experian Health sends to Change Healthcare. Experian will resume connectivity to Change when it receives assurances from Change Healthcare that it has adequately contained the threat. Payers work with a variety of clearinghouses to process data. In many cases, multiple payer connections are available although sometimes payer connectivity may be limited or even exclusive to a single clearinghouse. In the majority of cases, transactions from Experian Health route directly to the requestedpayer. When connectivity is limited or certain routes are unavailable, however, it is common to route traffic through another clearinghouse. Below is a list of potentially impacted payers. Our teams are actively evaluating and rerouting transactions when an alternative route is available and will provide an update to this list as soon as possible. BCBS-MA Blue Cross Blue Shield of Massachusetts Claims 13162 1199 National Benefit Fund 93044 A & I Benefit Plan Administrators 37283 AAG-American Administravie Group 72467 ACS Benefit Services Inc. © Experian Health, Inc. Experian Confidential Information Page 2 of 28 83077 Advantek Benefit Administrators CB159 Advisory Health Administrators 65093 Advocate Physician Partners CB637 Aegis Administrative Services 128CA Aetna Better Health of California 128FL Aetna Better Health of Florida 68024 Aetna Better Health of Illinois 128KS Aetna Better Health of Kansas 128KY Aetna Better Health of Kentucky 128LA Aetna Better Health of Louisiana 128MD Aetna Better Health of Maryland 128MI Aetna Better Health of Michigan 46320 Aetna Better Health of New Jersey 34734 Aetna Better Health of New York 50023 Aetna Better Health of Ohio 23228 Aetna Better Health of Pennsylvania 38692 Aetna Better Health of Texas (Medicaid & CHIP) 128VA Aetna Better Health of Virginia 128WV Aetna Better Health of West Virginia 26337 Aetna Better Health Premier Plan MMAI 45221 Aetna OhioRISE 13334 Affinity Health Plan 46594 AFFINITY MEDICAL GROUP 37280 AGA 20048 Agate Resources Inc. (LIPA) 64158 Agency Services Inc ARA01 AgeRight Advantage AWNY6 Agewell New York 95422 AIDS Healthcare Foundation 12K01 Alabama Medicaid 91136 Alaska Carpenters Trust 44423 Alexian Brothers Community Services of TN 13550 ALICARE AHCA1 Alignment Healthcare 26160 AllCare Advantage 58234 Alliant Health Plans of Georgia 50749 Allianz Global Assistance 37308 Allied Benefit Systems A0701 Alta Bates Medical Group RP016 Alterwood Advantage 13343 Amalgamated Life - PA / Alicare 75137 AmeriBen Solutions Inc. TH095 American Family Insurance 62030 American General © Experian Health, Inc. Experian Confidential Information Page 3 of 28 31135 American Health Advantage of Mississippi 31125 American Health Advantage of Oklahoma 31130 American Health Advantage of Tennessee 31155 American Health Advantage of Texas 1066 American Healthcare Alliance 74048 American National Ins. Co. (ANICO) 44444 American Postal Workers Union Health Plan 48055 American Progressive Life and Health Insurance Company 56195 American Trust Administrators Inc. 54763 AmeriHealth Administrators 77799 AmeriHealth Caritas Delaware 77003 AmeriHealth Caritas Florida 27357 Amerihealth Caritas Louisiana (LACare) 47073 AmeriHealth Caritas Next - A Product of AmeriHealth Caritas VIP Next, Inc. 45408 AmeriHealth Caritas Next A Product of AmeriHealth Caritas Florida, Inc. 83148 AmeriHealth Caritas Next North Carolina 81671 AmeriHealth Caritas North Carolina 84243 AmeriHealth Caritas Ohio 22248 AmeriHealth Caritas Pennsylvania 77062 AmeriHealth Caritas VIP Care 87406 AmeriHealth Caritas VIP Care - Delaware DSNP 77013 AmeriHealth Caritus VIP Care Plus (Michigan) 77002 Amerihealth District of Columbia 77001 AmeriHealth NorthEast 64090 AmFirst Insurance Company (payer only accepts Secondary claims) 24818 Amida Care 79966 Amida Care Medicare 37105 Amita Health Medical Care Group 34192 Antares Management Solutions 29370 Anthem Ohio Medicaid 34196 Apex Benefit Services 83112 Apex Health 11081 Arcadia Healthcare Solutions - IPG 36364 Arcadia Healthcare Solutions - NPA 39185 ARISE 61184 Arkansas Superior Select 6603 ASAGEHA AAMG1 Asian American Medical Group 46156 Aspire Health Plan 36483 Aspirus Medicare Advantage 75068 Assurant Health Self Funded 74240 Assured Benefits Administrators 84320 Astiva Health 87020 Atlantic Coast Life © Experian Health, Inc. Experian Confidential Information Page 4 of 28 AVA01 Avalon Administrative Services 46045 Avera Health Plans 87098 Avesis (Vision) 59274 AvMed Inc. 65101 AXA Assistance_USA 77005 Bakersfield Family Medical Group 12X42 Banner Health SX145 Banner Health AZ 84323 Banner Medicare Advantage Prime HMO 81079 BayCare Select Health Plans 63100 Behavioral Health Systems 99320 Benefit & Risk Management Services 48611 Benefit Management Inc. of KS 37212 Benefit Management Systems Inc 88052 Benefit Plan Administrators 39081 Benefit Plan Administrators Co. (Eau Claire WI) 38238 BeneSys, Inc. 95606 Berkshire Lehigh Partners 62183 Better Health Plans Inc. CB987 Black Hawk 3036 Blue Benefit Administrators of MA 12B54 Blue Cross Blue Shield of Alabama 77078 Blue Cross Blue Shield of Arizona Advantage SB580 Blue Cross Blue Shield of District of Columbia (Carefirst) 12000 Blue Cross Blue Shield of District of Columbia (Carefirst) SB971 Blue Cross Blue Shield of Hawaii (HMSA) SB690 Blue Cross Blue Shield of Maryland (Carefirst) 12011 Blue Cross Blue Shield of Maryland (Carefirst) 12B15 Blue Cross Blue Shield of Missouri (Blue Cross) BCSVT Blue Cross Blue Shield of Vermont BOONG Boon Administrative Services 22286 BritCay 35182 Brodart 51037 Brokerage Concepts 94316 Brown & Toland Medical Group BTHS1 Brown and Toland Health Services 42020 Buckeye Ohio Medicaid 42150 Butler Benefit 23708 C&O Employees Hospital Association CAIPA California IPA 71057 Cannon Cochran Management Services Inc. Metairie LA 95399 CAP Management Systems 12X03 Capital District Physicians Health Plan 95112 Capital Health Plan © Experian Health, Inc. Experian Confidential Information Page 5 of 28 68011 Capitol Administrators 12K89 Care Access Health Plan (CAHP) 77082 Care Improvement Plus 66010 Care N' Care 57116 Care1st Health Plan of Arizona - Medicaid (DOS < 11/30/22) 11345 CareCentrix 14182 CareCore National 14180 CareCore National LLC (Oxford Radiology Claims) 14188 CareCore/WCNY RAD 75191 CareFirst Administrators/NCAS (Charlotte, NC) 75190 CareFirst Administrators/NCAS (Fairfax, VA) 93975 CareOregon Inc. 16307 CarePartners of Connecticut 31500 CareSource Ohio Medicaid 65391 CBHNP - HealthChoices 95167 Cedars-Sinai Medical Network Services 68063 Celtic Insurance 99111 Cencal Health 94312 Center for Elders Independence 13360 CenterLight Healthcare 23626 Central Pennsylvania Teamsters Fund 13193 Central Reserve Life Ins Co-Medicare Supplement 36215 Central States Health & Welfare Funds 84146 CHAMPVA - HAC CHERO Cherokee Nation Comprehensive Care Agency 34154 Chesterfield Resources Inc. 80141 Childhealth Plus by Healthfirst (CHP) 94321 Children First Medical Group 33065 CHOC - Children's Hospital Of Orange County Health Alliance 38308 Christian Brothers Services 59355 Christian Care Ministries 10629 Christus Health Medicare Advantage 52106 Christus Health TX HIX 38219 ClaimChoice Administrators (DOS >1.1.21) 11752 ClaimsBridge HPN 85468 Clear Spring Heath 13285 Clover Health 51579 Coastal Communities Physician Network 42049 Cofinity - Group Resources 22284 Colonial Medical 88091 Commercial Travelers/PHX 14315 Commonwealth Care Alliance 14316 Commonwealth Care Alliance - Medicare Advantage 60995 Community Care Inc. - Family Care (Wisconsin) © Experian Health, Inc. Experian Confidential Information Page 6 of 28 73143 Community Care Managed Health Care Plans of Oklahoma 35193 Community Health Alliance 48145 Community Health Choice 75261 Community Health Electronic Claims/CHEC/webTPA 37322 Companion Life 37363 Compsych 6105 ConnectiCare Inc 75284 Consolidated Associates Railroad 87843 Consolidated Health Plans 45321 Consumers Choice Health SC 99433 Contessa Health 46478 Continuum (formerly Marrick WRx) 55544 Conversion Plan-APWU THCP9 Cook Children STAR Plan 58231 Core Administrative Services 43160 Corizon Inc. 35202 Cornerstone Benefit Adminstrators CB268 Cornerstone Preferred Resources CMSP1 County Services Medical Program 58102 Covenant Administrators, Inc. 64068 Creative Medical Systems CC304 Curaechoice 38261 Dell Children's Health Plan (DCHP) 63740 DentaQuest Vision 84133 Denver Health and Hospital Authority DESRT Desert Medical Group 44006 Desert Oasis Healthcare 27133 Dignity Health MSO 12001 District of Columbia Medicaid 6102 Diversified Administration Corporation 74284 Driscoll Children's Health Plan 35186 Dunn and Associates Benefits Administrators Inc. TH084 Early Intervention Central 66122 Eastland Medical Group 31074 EBMC 31625 ElderPlan Inc. 4326 Element Care Inc. EMP01 Empire Physician's Medical Group 42149 Employee Benefit Systems 35112 Employee Plans LLC 20818 Essence Healthcare RP037 Eternal Health 35605 Everence I & P 32052 Everpointe © Experian Health, Inc. Experian Confidential Information Page 7 of 28 62160 eviCore 59313 Evolutions Healthcare Systems (New Port Richey FL) 22344 Exceedent LLC 12B38 Excellus - BCBS Utica Watertown 12B40 Excellus - Blue Cross Blue Shield Rochester Area 71412 ExclusiCare 22254 Fallon Community Health Plan 88055 First Agency FCC01 First Carolina Care 91131 First Choice Health Administrators 57103 First Choice Next (SC) 32456 First Choice VIP Care (SC - DSNP) 77009 First Choice VIP Care Plus by Select Health of South Carolina 59322 Florida Health Care Plan 48116 Florida Hospital Waterman 48117 FMH Benefit Services Inc. 64069 Fox-Everett Inc. 99660 Fresno PACE 34171 FrontPath Health Coalition 25169 Gateway Health Plan Medicaid PA 75273 Geisinger Health Plan 31140 Georgia Health Advantage 7205 Gilsbar Inc. 7689 Global Care Inc. GEM01 Global Excel Management GHOKC Global Health GMICC Global Medical Management 47083 GMS Inc. 76923 Good Shephard Hospice Inc. 45235 Government Employees Health Association (Multiplan) GRV01 Gravie Inc. 36338 Group Administrators Ltd. CB951 Group Benefit Services Inc. 39167 Group Health Cooperative of South Central Wisconsin 64246 Guardian Life Insurance Company of America 47738 Hamaspik Choice 59143 Harrington Health Non-EPO 62061 Harrington Health-Kansas (formerly known as Fiserv Health-Kansas) 4245 Harvard Community Health Plan 4271 Harvard Pilgrim 12K62 Hawaii Medicaid 62180 Health Change Pathway 62179 Health Choice Arizona 46221 Health Choice Insurance Co © Experian Health, Inc. Experian Confidential Information Page 8 of 28 62111 Health Cost Solutions 34158 Health Design Plus (Hudson OH) RP039 Health First Health Plans TH049 Health Management Administrators (HMA) 4286 Health New England SX030 Health Options Inc (FL - BCBS HMO) 80142 Health Partners of Philadelphia 20270 Health Payment Systems Inc. 83253 Health Plan of Michigan 68035 Health Plan of San Joaquin 44273 Health Plans Inc. 37290 Health Services for Children with Special Needs HCH01 Healthcare Highways 56731 Healthcare Resources NW 73147 Healthcare Solutions Group 71064 HealthChoice Oklahoma 85729 Healthcomp Inc. 56144 Healthgram Inc. 55204 Healthnow Division 94267 Healthpartners 59140 HealthPlan Services 75237 Healthsmart Accel 37272 HealthSmart Benefit Solutions 87815 HealthSmart Benefit Solutions fka Wells Fargo TPA.Inc. 75250 HealthSmart Preferred Care Inc. 60058 Hennepin Health 30862 Heritage Victor Valley Medical Group 95393 High Desert Medical Group 95461 Highmark Senior Solutions (WV) 46 Hill Physicians Medical Group HPIPA Hispanic Physicians IPA (Encounters Only) 12T11 HMA - Health Management Admin 86066 HMA Hawaii 75318 HMC HealthWorks aka Health Management Co 84555 HMO Louisiana Inc 91164 HMSO-Highline Medical Service Organization HLSTA Holista (Novant Health Direct to Employer) 88023 Hometown Health Plan Nevada 37224 HSBS Memphis 37256 HSBS Oklahoma City 31172 HSBS World Trade Center Health Program 37137 HSHS Medical Group IPA 61103 Humana Ohio Medicaid 94154 Humboldt-Del Norte Foundation for Medical Care © Experian Health, Inc. Experian Confidential Information Page 9 of 28 54750 Huron PACE 37279 IAA 19028 IBM Business Transformation Outsourcing Insurance Services Corporate 26054 iCare Health Solutions 97661 IEC Group - AmeriBen 41600 I'Mcare 40585 INDECS Corporation TA720 Independence Administrators MHM01 Independence Medical Group 12X01 Independent Health SX073 Independent Health INDPM Independent Physicians at Mercy 12X75 Indian Health Services SX171 Indian Health Services 35600 Indiana Childrens Special Health Care Services 35107 Indiana Teamsters Health Benefits Fund (Indianapolis IN) 95444 Indiana University Health Plan 26212 Indiana University Health Plan (Commercial) 30360 Individual Assurance Company 31053 Individual Health Insurance Companies 43471 Inetico Inc. 52196 Informed LLC 38343 Ingham Health Plan Corporation 31182 InnovAge TH012 Insurance Services of Lubbock 39182 InsuranceTPA.com 86304 Insurers Administrative Corp. 51020 Integra Administrative Group (Seaford DE) 31127 Integra Group 20050 Integrated Medical Solutions LLC 23287 Intergroup Services Corporation 93116 Interlink 11329 International Benefit Administrator RP075 Iowa Health Advantage 47262 IU Health Transplant Evaluation Program JLSFE JLS Family Enterprises 38310 JOHN MORRELL COMPANY CO. - AHPBA 68036 John Muir Mt. Diablo Health System 66003 Johns Hopkins Health Advantage 52189 Johns Hopkins Healthcare (EHP/PP) 52123 Johns Hopkins Healthcare (USFHP) 43178 Joplin Claims / Benefit Management Inc 34136 JP Farley Corporation 91617 Kaiser Foundation Health Plan of Colorado © Experian Health, Inc. Experian Confidential Information Page 10 of 28 94123 Kaiser Foundation Health Plan of Hawaii 94135 Kaiser Foundation Health Plan of Northern CA Region 52095 Kaiser Foundation Health Plan of the Mid-Atlantic States Inc. 21313 Kaiser Permanente of Georgia 94320 Kaiser Self Funded 40137 Kalos Heath KCIPA Kane County BCBS 71066 Kansas Superior Select 95279 Keenan Associates (CA) 73100 Kempton Company 77039 Kern Health Systems 37217 Key Benefit Administrators (Indianapolis IN) 37321 Key Select 37323 Key Solution 23284 Keystone First 42344 Keystone First Community HealthChoices 77741 Keystone First VIP Choice 34145 Klais & Company KPS01 KPS-Kitsap Physician Services 72107 LA Blue Advantage Louisiana LACAR LA Care Health Plan 37116 Lake County Physicians Association 66125 Lakeside Medical Group LNDMK Landmark Healthcare Inc 52193 LBA Health Plans 37316 Leon Medical Center Health Plan LIB01 Liberty Advantage Health Plan (HMO SNP) 87071 Liberty Health Advantage 37281 Liberty Union 25181 LIFE Pittsburgh 41136 Life Trac 71498 LifeCircles PACE 76870 LifePath Hospice Inc LWA01 Lifeworks Advantage CB752 Lockard & Williams 37267 Loma Linda University Adventist Health Sciences Center Employee Health Plan 33036 Loma Linda University Healthcare SKLA2 Louisiana Medicaid - Ambulance claims 37175 Loyola Physician Partners 88056 Lucent Health Solutions 82694 Lucentis Copay Program 35183 Luminare Health (CoreSource OH) 35187 Luminare Health Internal (CoreSource-Internal) © Experian Health, Inc. Experian Confidential Information Page 11 of 28 75136 Luminare Health Little Rock (CoreSource Little Rock) 36334 MacNeal Health Providers- CHS 56139 Maestro Health Plan MCC01 Magellan Complete Care of Arizona MCC02 Magellan Complete Care of Virginia 1260 Magellan Health Services 11303 Magnacare 45341 Maine Community Health Options 35162 Managed Care Services LLC 52461 March Vision Care Inc. 53275 MARTINS POINT HEALTH CARE 83269 Mary Washington Health Plan 37121 Mashantucket Pequot Tribal Nation 86220 Mass Advantage 12T52 Masters Mates and Pilots Program TH111 Masters Mates and Pilots Program 88090 Mayo Clinic FL/GA 83028 MBA Benefit Administrators Inc (Salt Lake UT) 25160 MCA ADMINISTRATORS 88058 MED PAY 74323 MedBen (Newark OH) 56821 Medcost Benefit Services Bundled Billing 78857 Medica HealthCare Plan of Florida MAHC1 MEDICAL ASSOCIATES HEALTH PLAN L0170 Medical Card System ( MCS ) 62177 Medical Reimbursements of America L0210 Medicare y Mucho Mas ( MMM ) 95655 MediGold 35205 MedPartners Administrative Services RP062 Medstar Family Choice, Inc (DC) RP063 Medstar Family Choice, Inc (MD) 37050 Mental Health Consultants Inc. 86087 Merchants Benefit Administration 86052 Mercy Care Plan (AHCCCS) 33628 Mercy Maricopa Integrated Care 41124 Meritain Health Minneapolis 13265 MetroPlus Health Plan 23550 MFC & HealthPlus Peoria 47080 Midlands Choice Inc. 76079 Midwest Health Partners SKMS0 Mississippi Medicaid 12K17 Mississippi Medicaid SKMS1 Mississippi Medicaid 12K18 Mississippi Medicaid © Experian Health, Inc. Experian Confidential Information Page 12 of 28 64084 Mississippi Physicians Care Network 37233 Mississippi Public Entity Employee Benefit Trust MMS01 Missouri Medicare Select 13350 Moda Health 12X09 Molina Healthcare 38333 Molina Healthcare of California 51062 Molina Healthcare of Florida 61799 Molina Healthcare of Idaho 20934 Molina Healthcare of Illinois 38334 Molina Healthcare of Michigan 77010 Molina Healthcare of Mississippi MLNNV Molina Healthcare of Nevada 9824 Molina Healthcare of New Mexico - Salud 20149 Molina Healthcare of Ohio 46299 Molina Healthcare of South Carolina SX109 Molina Healthcare of Utah (aka American Family Care) 38336 Molina Healthcare of Washington ABRI1 Molina Healthcare of Wisconsin 73160 Molina Ohio Medicaid 7316V Molina Ohio Medicaid Vision 12M77 Montana Medicare 13174 Montefiore Contract Management Organization TLINS Monumental Life Insurance Company (AR) TRCLF Monumental Life Insurance Company (IA) TRP1E Monumental Life Insurance Company (IA, MD, PA) TRLTC Monumental Life Insurance Company (TX) SB941 Mountain State Blue Cross Blue Shield of West Virginia 20572 MSA Care Guard 80019 MSC (Medical Service Company) Group, Inc. RP036 Multicare Connected Care (MCC) 34080 Multiplan Wisconsin Preferred Provider Network 81883 Municipal Health Benefit Fund 27004 My Choice Wisconsin 65085 NAA (North America Administrators L.P.) (Nashville TN) 53011 NALC/Affordable 58182 NAPHCARE INC. ASHC1 National General 52104 National Telecommunications Cooperative Association (NTCA - Staff) 52103 National Telecommunications Cooperative Association (NTCA) SKNE0 Nebraska Medicaid 12K19 Nebraska Medicaid 12M19 Nebraska Medicare 96107 Neighborhood Health Partnership (NHP) 5047 Neighborhood Health Plan Rhode Island © Experian Health, Inc. Experian Confidential Information Page 13 of 28 96240 Neighborhood Health Plan Rhode Island - Exchange, Unity, Integrity 66055 Netcare Life and Health Insurance (Hagatna Guam) 77076 Network Health Insurance Corp-Medicare 39144 Network Health Plan of Wisconsin Inc. 95998 NEW AVENUES INC. NCH11 New Century Health - IEHP Oncology NCH09 New Century Health - Vista Cardiology 75281 New Era Life Insurance Company 12K90 New Hampshire Medicaid 12K22 New Mexico Medicaid 7707C New York Hotel Fund 81085 Next Level Health Partners 38225 NGS American Inc 88050 NHBCAUX NHC01 NHC Advantage 81264 Nippon Life Insurance Company of America 36347 Northern Illinois Health Plan 88027 Northern Nevada Trust Fund OSCAR Novanet 71080 Novasys Health Network PHMD1 NP Providence Health Plan Commercial PHMD2 NP Providence Health Plan Medicare PHMD3 NP Providence Health Plan OHP PHMD4 NP Yamhill County CCO 37299 Nyhart 14142 NYS DOH UCP 36400 Oak West Physician Association 69879 OCRW Orange County Health Services Dept - Ryan White Program 34189 Ohio Health Choice PPO 74431 Ohio PPO Connect 71065 Oklahoma DRS DOC 65074 Olympus Managed Health Care 22321 One Call Medical 56190 OptiCare Managed Vision 96277 Optimed Health Plans 13382 Orthonet - Uniformed Services Family Health Plan OSFC9 OSF Healthcare Central OSFE9 OSF Healthcare East I & P 72436 PACE Central Iowa 86711 PACE Southeast Michigan 20416 PacificSource Community Solutions 93029 PacificSource Health Plans 20377 PacificSource Medicare 94115 Palo Alto Medical Foundation © Experian Health, Inc. Experian Confidential Information Page 14 of 28 4218 Pan American Life Insurance Group 52613 PARTNERS BEHAVIORAL HEALTH MANAGEMENT PARTH Partners In Health 66008 Passport Advantage 61325 Passport Health Plan by Molina Healthcare 20510 Patient Physician Cooperatives 27048 Payer Fusion 20172 Pennsylvania Pace 72126 Peoples Health Network 72099 PHCS Claims (formerly American LIFECARE) PA513 Physician Associates of the Greater San Gabriel Valley 36345 Physicians Care Network (Rockford IL only) MHM03 Physicians Health Network 83276 Physicians Health Plan of Michigan Medicare PMGSC Physicians Medical Group of Santa Cruz County 47027 Physicians Mutual Insurance Company 91171 Physicians of Southwest Washington 55768 PIEDMONT COMMUNITY HEALTH PLAN 24735 Pinnacle Claims Management Inc. 84109 Pinnacol Assurance IP057 Pomona Valley Medical Group 95411 Positive Healthcare Florida (FL MCO PHC/PHP) 36373 Prairie States Enterprises Inc. 73145 Preferred Community Choice/PCCSelect/CompMed 14966 Preferred Health Partners CB404 Preferred Health Plan of the Carolinas 41147 PreferredOne (MN) 65054 Premier Eye Care 88051 Premier HealthCare Exchange, Inc. (PHX) 5003 Presbyterian (NM) 46311 Presence ERC 61604 Prime West Health Plan 37268 Prism Network Inc. 93082 Prominence Health Plan of Nevada 83352 Prominence Healthfirst SX133 Providence of Oregon Health Plan 77240 Providence PACE CA SX187 Providence PPO 48100 ProviDRs Care Network PH001 Pruitt Health Premier PSKW0 PSKW Physician Reimbursement Program 89461 Quality Care Partners CX077 Quality Plan Administrator, Inc 73067 QuikTrip © Experian Health, Inc. Experian Confidential Information Page 15 of 28 57117 QVI Risk Solutions Inc. 44219 Reading Hospital Employer Group 95449 Regal Medical Group SB611 Regence Blue Shield Idaho 12B88 Regence Blue Shield Idaho 38221 Regency Employee Benefits 79846 Reliance Community Care Partners 36396 Resurrection Healthcare Preferred 74205 Right Care from Scott & White RIOS1 RIOS SOUTHWEST MEDICAL GROUP RCMG1 RIVER CITY MEDICAL GROUP 45281 Riverside Health Inc. RMC01 Riverside Medical Clinic 5178 Riverspring Health Plans (ElderServe) AMM03 Ryan White Network 88029 SAINT MARY'S HEALTH PLAN CP001 Samaritan Health Plans 96400 San Diego PACE 91184 Sanford Health Plan RP035 Sanford Health Plan Medicare Advantage 24077 SANTA CLARA FAMILY HEALTH PLAN SNTMC Sante Community Physicians Medical Group Corp 77038 Sante Health System and Affiliates 72261 SCAN Health Plan 73172 Scan Health Plan Arizona TH002 Scott & White Health Plan 12T05 Scott & White Health Plan 10010 Sedgwick Managed Care Ohio (formerly Careworks) 15243 Sedwick Managed Care Ohio (formerly CompManagement) 93031 Select Benefit Administrators Inc. 37282 Select Benefit Administrators of America 23285 Select Health of South Carolina 61225 SelectCare of Texas (Kelsey-Seybold) 36404 Self Insured Plans (Naples FL) 34131 Self-Funded Plans Inc. 52214 Selman Tricare Supp SWHMA Senior Whole Health Massachusetts 23249 Sentinel Management Services SMG01 Seoul Medical Group 25404 Seven Corners 30891 Sierra Medical Group 23250 Significa Benefits Services Inc. SIM02 Simpra Advantage Inc. (DOS > 12/31/2022) SKSD0 South Dakota Medicaid © Experian Health, Inc. Experian Confidential Information Page 16 of 28 SMSD0 South Dakota Medicare 23253 Spectrum Administrators Inc. - TPA Allentown PA (IHS Gateway Payer) 73099 Standard Life and Accident (Secondary claims only) 46407 Stanford Healthcare Advantage 61425 Starmark TRP1P Stonebridge Life Insurance Company (TX) 95202 SummaCare Health Plan 37301 Summit America Insurance Services Inc. 77306 Sutter Connect - Solano Regional Medical Foundation (SRMF) 94269 Sutter East Bay Medical Foundation 77302 Sutter Gould Medical Foundation 77304 Sutter Medical Group of the Redwoods 56621 Sutter Senior Care TALMG Talbert Medical Group 88067 Tall Tree Administrators 43619 Teamsters Medicare Trust for Retired Employees 20212 Tethys Health Ventures TXCSM TEXAS CHILDRENS HEALTH 76048 Texas Children's Health Plan 75228 Texas Childrens Health Plan (Medicaid) 31403 Texas Independence Health Plan 68423 The Care Network/The Savannah Business Group 75600 The City of Odessa 95677 The Health Plan 23223 The Loomis Company - TPA Wyomissing PA (IHS Gateway Payer) 59227 The MEGA Life & Health Insurance Company-OKC J1746 Thomas McGee THIPA Torrance Hospital IPA 37284 TransChoice-Key Benefit Administrators 31118 Tribute Health Plan SX176 Tricare for Life 12X43 Tricare for Life SX163 Tricare for Overseas 12X46 Tricare for Overseas 12C01 Tricare West 31144 TRIHEALTH PHYSICIAN SOLUTIONS 56089 Trillium Health Resources TRNPC Trinity Health Pace TRIN1 Trinity HealthShare 42137 TRISTAR Benefit Administrators L0230 TRUSTED HEALTH PLAN 91078 Trusteed Plans Service Corporation 94603 UC-Davis Health 74223 UICI Administrators © Experian Health, Inc. Experian Confidential Information Page 17 of 28 41206 Ultra Benefits Inc. 95266 UMR - Harrington 52180 UMWA Health & Retirement Funds 35198 Unified Group Services 62170 Unified Health Services RP064 Unified Life UPN99 Unified Physicians Network 87042 Union Pacific Railroad Employees Health Systems 38260 United Benefit Advisors 84132 United Medical Alliance 86003 UnitedHealthcare Community Plan / PA - formerly AmeriChoice Personal Care 25175 UnitedHealthcare Community Plan / SC (formerly Unison) 88337 UnitedHealthcare Ohio Medicaid 8357V UnitedHealthcare Ohio Medicaid Vision 95999 UnitedHealthcare West (formerly PacifiCare PPO - All States) 33001 Universal Care - California 9830 University Family Care 37601 University of Illinois at Chicago Div of Specialized Care for Children 45282 University of Maryland Health Advantage IP056 Upland Medical Group 37324 Upper Peninsula Health Group (TPA) 38337 Upper Peninsula Health Plan (Medicaid) 93092 US Benefits 12X31 US Department of Labor 90551 US Family Health Plan 74095 USAA (United Services Automobile Association) 13407 USFHP - St. Vincent Catholic Medical Centers of New York 12K42 Utah Medicaid SKUT0 Utah Medicaid 12115 VA Fee Basis Programs 43259 Valor Health Plan 77701 Vantage Health Plan 50701 VGM Homelink VVIPA Victor Valley IPA 25924 VieCare Life and Beaver and Life Lawrence Counties 25923 VieCare LIFE Butler 73743 Village Family Practice VLGMD Village MD 26545 VillageCareMAX 12003 Virginia Medicaid 12004 Virginia Medicare 63114 Viva Health Plan 31626 VNA Homecare Options 85256 Wabash Memorial Hospital Association © Experian Health, Inc. Experian Confidential Information Page 18 of 28 SX063 Washington State Dept of Labor and Industry 73155 Waterstone Benefit Administrators (Oklahoma Providers) 36337 Weiss Health Providers 35245 WellSystems LLC 80942 West Suburban Health Providers 12K28 West Virginia Medicaid SMWV0 West Virginia Medicare 68039 Western Health Advantage 77225 Western Health Advantage 31048 Western Southern Financial Group (Cincinnati OH) 12K29 Wisconsin Medicaid 13413 Women's Integrated Network Inc. (WIN Fertility) SX022 WPS Commercial 12X29 WPS Commercial 60646 Yale University Heath Plan 83248 Zing Choice IL (HMO) Claim Status AARP AARP AETNA-BH-CA Aetna Better Health (CA) AETNA-BH-FL Aetna Better Health (FL) AETNA-BETTER-HEALTH-IL Aetna Better Health (IL) AETNA-BH-KS Aetna Better Health (KS) AETNA-BETTER-HEALTH-KY Aetna Better Health (KY) AETNA-BETTER-HEALTH-LA Aetna Better Health (LA) AETNA-BH-MD Aetna Better Health (MD) AETNA-BETTER-HEALTH-MI Aetna Better Health (MI) AETNA-BETTERHEALTH-NJ Aetna Better Health (NJ) AETNA-BETTER-HEALTH-OH Aetna Better Health (OH) AETNA-BETTER-HEALTH-PA Aetna Better Health (PA) AETNA-BETTER-HEALTH-TX Aetna Better Health (TX) AETNA-BETTER-HEALTH-VA Aetna Better Health (VA) AETNA-LONG-TERM Aetna Long Term Care AETNA-SENIOR-SUPP Aetna Senior Supplemental AFLAC AFLAC AFLAC-MCARE-SUPP AFLAC Medicare Supplement ALL-SAVERS-BATCH All Savers ALLIED-BENEFIT-BATCH Allied Benefit Systems HEALTHLINK-PPO-AMERIBEN-BATCH AmeriBen AMERICAN-GENERAL American General Life and Accident © Experian Health, Inc. Experian Confidential Information Page 19 of 28 AMERICAN-NATL-INS-CO American National Insurance Company AMERICAN-NATL-LIFE-TX American National Insurance Company of Texas AM-POSTAL-WKRS-UNION American Postal Workers Union AMERICAN-RET-LIFE-MCARESUPP American Retirement Life Ins Co Medicare Supplement AMERITAS-LIFE Ameritas Life Insurance Company BANKERS-FIDELITY-LIFE Bankers Fidelity Life Insurance Company BANNER-ADV-PRIME Banner Medicare Advantage Prime HMO BAYCARE-SELECT BayCare Select Health Plans Inc. BEST-LIFE-HEALTH Best Life and Health CARE-N-CARE Care N Care Insurance Company CARE1ST-HP-AZ Care1st Health Plan Arizona CAREFIRST-BCBS-BATCH CareFirst BCBS CENTRAL-STATES Central States Fund CHAMPVA CHAMPVA CHRISTIAN-BROTHERS Christian Brothers Services CHRISTUS-HP CHRISTUS Health Plan HEALTHSPRING Cigna-HealthSpring CSH-IL Clear Spring Health of Illinois COLORADO-ACCESS Colorado Access COMM-CARE-OK-BATCH Community Care of Oklahoma COUNTYCARE CountyCare CULINARY-HEALTH-FUND Culinary Health Fund UNITE HERE Health DIVERSIFIED-ADM-CORP Diversified Administration Corporation ELDERPLAN Elderplan ESSENCE-HC Essence Healthcare FARM-BUREAU Farm Bureau Health Plans GLOBE-LIFE-ACCIDENT Globe Life and Accident Insurance Company FIRST-UNITED-AMER Globe Life Insurance Company of New York GOLDEN-RULE Golden Rule GREAT-AMERICAN-INSURANCEMCARESUPP Great American Life Ins Co Medicare Supplement RECALL-GROUP-PENSION Group and Pension HEALTH-CHOICE-AZ Health Choice Arizona HEALTH-PARTNERS-PHILADELPHIA Health Partners Plans HEALTH-SVC-CHILDREN-SPEC-NEEDS Health Services for Children with Special Needs HEALTHCOMP HealthComp Administrators HEALTHGRAM Healthgram HEALTH_SMART-BATCH HealthSmart KEY-BENEFIT-ADMIN-BATCH Key Benefit Administrators LOCAL-1199 Local 1199 LOYAL-AMERICAN-MCARESUPP Loyal American Life Ins Co Medicare Supplement MAGNACARE MagnaCare MANAGED-HEALTH-NETWORK Managed Health Network MEDBEN MedBen (Newark OH) © Experian Health, Inc. Experian Confidential Information Page 20 of 28 MEDICA-BATCH Medica MEDICAL-ASSOCIATES-HEALTH Medical Associates Health Plan/Health Choices MERCY-CARE-PLAN-CAID Mercy Care Plan Medicaid MERITAIN-HEALTH-BATCH Meritain Health METROPLUS MetroPlus MOLINA Molina MOLINA_CA Molina (CA) Molina_FL Molina (FL) MOLINA-ID Molina (ID) MOLINA_IL Molina (IL) MOLINA_MI Molina (MI) MOLINA_OH Molina (OH) MOLINA-SC Molina (SC) Molina_TX Molina (TX) MOLINA_UT Molina (UT) MOLINA_WA Molina (WA) MUNICIPAL-HEALTH-BENEFIT Municipal Health Benefit Fund ANTARES Mutual Health Services NALC National Association of Letter Carriers NETWORK-HEALTH-WI Network Health (WI) NEW-ERA-LIFE-INS New Era Life Insurance Company NOVASYS-HEALTH NovaSys Health OLD-SURETY Old Surety Life Insurance OSCAR Oscar PACIFIC-SOURCE Pacific Source Health Plan PACIFICSOURCE-COMMUNITYSOLUTIONS PacificSource Community Solutions PACIFICSOURCE-MCARE PacificSource Medicare PAN-AMERICAN-LIFE Pan-American Life Insurance Company PARKLAND-COMMUNITY-HP Parkland Community Health Plan PASSPORT-ADVANTAGE Passport Advantage PASSPORT-HP Passport Health Plan PEOPLES-HEALTH Peoples Health PHYSICIANS-HP-MI Physicians Health Plan of Michigan Medicare PHYS-MUTUAL Physicians Mutual Insurance Company PLANNED-ADMINISTRATORS Planned Administrators Inc. PREFERRED-CARE-PARTNERS Preferred Care Partners PROVIDENCE-HP Providence Health Plan SANTA-CLARA Santa Clara Family Health Plan SELECT-ADMIN-SVCS Select Administrative Services SELMAN Selman and Company STANDARD-LIFE Standard Life and Accident Insurance Company TX-CHILDRENS-HP Texas Childrens Health Plan TRANSAMERICA-FIN-LIFE Transamerica Financial Life Insurance © Experian Health, Inc. Experian Confidential Information Page 21 of 28 TRUSTMARK Trustmark Small Business Benefits UMR-WAUSAU-BATCH UMR Wausau UNION-PACIFIC Union Pacific Railroad Employees UNITED-AMER-INS-CO United American Insurance Company UNITED-MINE-WORKERS-ASSOCIATION United Mine Workers Association USAA-LIFE USAA Life Insurance Company USAA-MCARE-SUPP USAA Medicare Supplement VA-FEE-BASIS VA Fee Basis Program VANTAGE-HEALTH-COMMERCIAL Vantage Health WA-MCAID-INST Washington Medicaid Institutional WA-MCAID-PROF Washington Medicaid Professional WEB-TPA WEB-TPA WESTERN-HEALTH-ADVANTAGE Western Health Advantage MEDICAID-WY Wyoming Medicaid Eligibility AARP AARP ABSOLUTE-TOTAL-CARE Absolute Total Care ADMIN-CONCEPTS Administrative Concepts ADMIN-SERVICES-INC Administrative Services Inc. AETNA-BH-CA Aetna Better Health (CA) AETNA-BH-FL Aetna Better Health (FL) AETNA-BETTER-HEALTH-IL Aetna Better Health (IL) AETNA-BH-KS Aetna Better Health (KS) AETNA-BETTER-HEALTH-KY Aetna Better Health (KY) AETNA-BETTER-HEALTH-LA Aetna Better Health (LA) AETNA-BH-MD Aetna Better Health (MD) AETNA-BETTER-HEALTH-MI Aetna Better Health (MI) AETNA-BETTERHEALTH-NJ Aetna Better Health (NJ) AETNA-BETTER-HEALTH-NY Aetna Better Health (NY) AETNA-BETTER-HEALTH-OH Aetna Better Health (OH) AETNA-BETTER-HEALTH-PA Aetna Better Health (PA) AETNA-BETTER-HEALTH-TX Aetna Better Health (TX) AETNA-BETTER-HEALTH-TX-CHIP Aetna Better Health (TX) CHIP AETNA-BETTER-HEALTH-VA Aetna Better Health (VA) AETNA-BETTER-HEALTH-WV Aetna Better Health (WV) AETNA-LONG-TERM Aetna Long Term Care AETNA-SENIOR-SUPP Aetna Senior Supplemental AFLAC AFLAC AFLAC-MCARE-SUPP AFLAC Medicare Supplement ALL-SAVERS-BATCH All Savers ALLIANT-HP Alliant Health Plans © Experian Health, Inc. Experian Confidential Information Page 22 of 28 ALLIED-BENEFIT-BATCH Allied Benefit Systems ALT-INS-RESOURCES Alternative Insurance Resources, Inc. HEALTHLINK-PPO-AMERIBEN-BATCH AmeriBen AMERICAN-GENERAL American General Life and Accident AMER-INCOME-LIFE-INS American Income Life Insurance Company AMERICAN-INS-ADMIN American Insurance Administrators AMERICAN-NATL-INS-CO American National Insurance Company AMERICAN-NATL-LIFE-TX American National Insurance Company of Texas AMERICAN-NETWORK-INS-MCARE-SUPP American Network Ins. Medicare Supplement AMERICAN-RET-LIFE-MCARESUPP American Retirement Life Ins Co Medicare Supplement AMERICO-FIN-LIFE Americo Financial Life AMERITAS-LIFE Ameritas Life Insurance Company ARISE-HEALTH-PLAN-MCARE-SELECT Arise Health Plan Medicare Select Policy ARIZONA-PHYS-MEDICAID Arizona Physicians IPA Medicaid ARIZONA-PHYS-MEDICARE Arizona Physicians IPA Medicare ATLANTIC-COAST Atlantic Coast Life Insurance BANKERS-FIDELITY-LIFE Bankers Fidelity Life Insurance Company BANNER-ADV-PLUS Banner Medicare Advantage Plus PPO BANNER-ADV-PRIME Banner Medicare Advantage Prime HMO BAYCARE-SELECT BayCare Select Health Plans Inc. BENEFIT-MGMT-INC Benefit Management Inc BEST-LIFE-HEALTH Best Life and Health BOON-GROUP Boon Group BRIDGEWAY-AZ Bridgeway Arizona BUCKEYE-BATCH Buckeye CO-EMP-HOSP-ASSOC C and O Employees Hospital Association CAPROCK-HP Caprock Health Plans CARE-N-CARE Care N Care Insurance Company CARE1ST-HP-AZ Care1st Health Plan Arizona CAREFIRST-BCBS-BATCH CareFirst BCBS CP-CT CarePartners of Connecticut CS-NC CareSource NC CAROLINA-COMPLETE Carolina Complete Health CENTRAL-RESERVE-LIFE-MCARESUPP Central Reserve Life Ins Co Medicare Supplement CENTRAL-STATES Central States Fund CERNER-HEALTH-PLAN Cerner Health Plan CHAMPVA CHAMPVA CHP-DIRECT CHP Direct CHRISTIAN-BROTHERS Christian Brothers Services CHRISTIE-STUDENT Christie Student Health Plans CHRISTUS-HP CHRISTUS Health Plan CHRISTUS-NM-MCARE CHRISTUS Health Plan New Mexico Medicare Advantage CHRISTUS-HP-TX CHRISTUS Health Plan Texas Health Insurance Exchange HEALTHSPRING Cigna-HealthSpring © Experian Health, Inc. Experian Confidential Information Page 23 of 28 CSH-IL Clear Spring Health of Illinois CAREPOINT-MEDICARE-ADVANTAGE Clover Health CMFG-LIFE-INSURANCE CMFG Life Insurance COLONIAL-PENN Colonial Penn COLORADO-ACCESS Colorado Access COMMUNITY-HEALTH-OPTIONS-WC Community Health Options COMPSYCH Compsych Corporation IBM-INS-OUTSOURCING Concentrix Insurance Solutions CONSOLIDATED-ASSOC-RR Consolidated Associates Railroad CONSUMERS-LIFE Consumers Life CONTINENTAL-GEN-MCARESUPP Continental General Ins Co Medicare Supplement COUNTYCARE CountyCare COX-HP Cox Health Plans CULINARY-HEALTH-FUND Culinary Health Fund UNITE HERE Health DELTA-DENTAL-CA Delta Dental of California DD-FL Delta Dental of Florida DD-GA Delta Dental of Georgia DD-MO Delta Dental of Missouri DDOFNY Delta Dental of New York DD-NC Delta Dental of North Carolina DD-OK Delta Dental of Oklahoma DD-SC Delta Dental of South Carolina DIVERSIFIED-ADM-CORP Diversified Administration Corporation DRISCOLL-HP Driscoll Health Plan EDUCATORS-MUTUAL Educators Mutual Insurance Association ELDERPLAN Elderplan EMBLEM-HEALTH-BATCH Emblem Health EMPOWER Empower Healthcare Solutions ESSENCE-HC Essence Healthcare EVERENCE-FINANCIAL Everence Financial FALLON Fallon Community Health Plan FARM-BUREAU Farm Bureau Health Plans FIDELITY-SECURITY-LIFE Fidelity Security Life Insurance Company FIRST-AMERITAS-NY First Ameritas of New York FIRSTCHOICE-HEALTH-BATCH First Choice Health FIRST-MEDICAL-NETWORK First Medical Network FIRSTCAROLINACARE FirstCarolinaCare Insurance Company FOOD-BAKERY-FUND-SOCAL Food Bakery Confection Workers Fund of So Cal GATEWAY-HEALTH-PLAN-BATCH Gateway Health Plan GLOBAL-HEALTH Global Health GLOBAL-ADV Global Health Medicare Advantage GLOBE-LIFE-ACCIDENT Globe Life and Accident Insurance Company FIRST-UNITED-AMER Globe Life Insurance Company of New York GOLDEN-RULE Golden Rule © Experian Health, Inc. Experian Confidential Information Page 24 of 28 GRAVIE Gravie Inc. GREAT-AMERICAN-INSURANCEMCARESUPP Great American Life Ins Co Medicare Supplement RECALL-GROUP-PENSION Group and Pension HEALTH-CHOICE-AZ Health Choice Arizona HLTH-CHOICE-PATHWAY Health Choice Pathway Insurance Company HEALTH-PARTNERS-PHILADELPHIA Health Partners Plans HEALTH-PLAN-NV Health Plan of Nevada HEALTH-SVC-CHILDREN-SPEC-NEEDS Health Services for Children with Special Needs HEALTHBRIDGE HealthBridge BENEFIT-ADMIN-SYS HealthComp (Benefit Administrative Systems) HEALTHCOMP HealthComp Administrators HEALTHEZ HealthEZ HEALTHGRAM Healthgram HEALTH_SMART-BATCH HealthSmart HM-CARE-ADV HM Care Advantage HOORAY-HLTH Hooray Health PITTMAN-ASSOC HSBS Memphis HUMANA-DENTAL Humana Dental INDEPENDENCE-ADMIN Independence Administrators INDEPENDENT-HEALTH Independent Health IUHP-MCARE Indiana University Health Plan Medicare INLANDEMPIRE-BATCH Inland Empire Health Plan INTEGRA-ADMIN-GROUP INTEGRA Administrative Group INTEGRATED-MENTAL-HLTH-SVC Integrated Mental Health Services INT-BENEFITS-ADM International Benefits Administrators JOHN-HOPKINS Johns Hopkins Priority Partners and EHP KAISER-FHP-HI Kaiser Foundation Health Plan of Hawaii KAISER-FHP-HI-MCARE Kaiser Foundation Health Plan of Hawaii Medicare KMAT Kaiser Foundation Health Plan of the Mid-Atlantic States KGA Kaiser Permanente of Georgia KEMPER-BENEFITS Kemper Benefits KEY-BENEFIT-ADMIN-BATCH Key Benefit Administrators KEY-HEALTHY-PARTNERS Key Healthy Partners KEYSOLUTION KeySolution LIBERTY-NAT-LIFE Liberty National Life Insurance Company LIFEWISE-HP-OR-BTCH Lifewise Health Plan of Oregon LINCOLN-FINANCIAL-GROUP Lincoln Financial Group LOCAL-1199 Local 1199 LOUISIANA-HEALTHCARE Louisiana Healthcare Connections LOYAL-AMERICAN-MCARESUPP Loyal American Life Ins Co Medicare Supplement CORESOURCE-FMH Luminare Health (fkaCoreSource Kansas FMH) CORESOURCE-LITTLEROCK Luminare Health (fkaCoreSource Little Rock) CORESOURCE-MD-PA-IL Luminare Health (fkaCoreSource MD, PA, IL, NC, IN) © Experian Health, Inc. Experian Confidential Information Page 25 of 28 CORESOURCE-OH Luminare Health (fkaCoreSource OH) MAESTRO-HEALTH Maestro Health MAGNACARE MagnaCare MAGNOLIA-HP-BATCH Magnolia Health Plan MANAGED-HEALTH-NETWORK Managed Health Network MANAGED-HEALTH-WISCONSIN Managed Health Services Wisconsin MANHATTAN-LIFE Manhattan Life MAPFRE-MCARE-EXCEL MAPFRE Medicare Excel MARTINS-POINT Martins Point MARTINS-POINT-CARE Martins Point Medicare MARY-WA-HP Mary Washington Health Plan MASS-ADV Mass Advantage MEDBEN MedBen (Newark OH) MEDICA-BATCH Medica MEDICA-BATCH Medica MEDICA-HC-FL Medica HealthCare Plans of Florida MEDICAL-ASSOCIATES-HEALTH Medical Associates Health Plan/Health Choices MEDBEN Medical Benefits Administrators / MedBen MEDBEN Medical Benefits Administrators Inc. (Newark OH) MEDBEN Medical Benefits Companies (Newark OH) MEDBEN Medical Benefits Mutual (Newark OH) MEDBEN Medical Benefits Mutual / MedBen MEDBEN Medical Benefits Mutual Life Insurance Co. MED-CARD-SYS Medical Card System MEDIGOLD MediGold MEDI-SHARE Medi-Share MEDPAY Med-Pay MERITAIN-HEALTH-BATCH Meritain Health METROPLUS MetroPlus MSEMPTEACH Mississippi State Employees and Teachers MOLINA Molina MOLINA_CA Molina (CA) Molina_FL Molina (FL) MOLINA-ID Molina (ID) MOLINA_IL Molina (IL) MOLINA_MI Molina (MI) MOLINA_OH Molina (OH) MOLINA-SC Molina (SC) Molina_TX Molina (TX) MOLINA_UT Molina (UT) MOLINA_WA Molina (WA) MOLINA_WI Molina (WI) MOLINA-CC-AZ Molina Complete Care of Arizona MOLINA-CC-AZ-MCARE Molina Complete Care of Arizona Medicare © Experian Health, Inc. Experian Confidential Information Page 26 of 28 MCC-VA Molina Complete Care of Virginia MOLINA-HC-NV Molina Healthcare of Nevada MOLINA-NM Molina Healthcare of New Mexico MOLINA-OH-MP Molina Healthcare of Ohio Marketplace MEDICAID-MT-BATCH Montana Medicaid MORECARE-ADV MoreCare Advantage HMO MUNICIPAL-HEALTH-BENEFIT Municipal Health Benefit Fund ANTARES Mutual Health Services NALC National Association of Letter Carriers NE-TOTAL-CARE Nebraska Total Care NETWORK-HEALTH-WI Network Health (WI) HEALTH-NETWORK-CORP Network Health Insurance Corp. NEW-ERA-LIFE-INS New Era Life Insurance Company MEDICAID-NH New Hampshire Medicaid NY-HOTEL-FUNDS New York Hotel Funds MEDICAID-NY-NAME New York Medicaid Name Search NIPPON-LIFE Nippon Life Insurance Company NORTHWEST-ADMIN Northwest Administrators OCHSNER-HP-ADV Ochsner Health Plan Medicare Advantage OLD-SURETY Old Surety Life Insurance OPTUM-MED-NETWORK Optum Medical Network OPTUMCARE OptumCare OPTUMHEALTH-BEHAVIORAL OptumHealth Behavioral Solutions OSCAR Oscar PACIFIC-SOURCE Pacific Source Health Plan PACIFICSOURCE-COMMUNITY-SOLUTIONS PacificSource Community Solutions PACIFICSOURCE-MCARE PacificSource Medicare PAN-AMERICAN-LIFE Pan-American Life Insurance Company PASSPORT-ADVANTAGE Passport Advantage PASSPORT-HP Passport Health Plan PAYERFUSION PayerFusion PENN-TREATY-MCARE-SUPP Penn Treaty Network America Ins Medicare Supp PEOPLES-HEALTH Peoples Health PERSONAL-ADMIN Personal Insurance Administrators (PIA) PHP-MI PHP of Michigan PHYSICIANS-HP-MI Physicians Health Plan of Michigan Medicare PHYS-MUTUAL Physicians Mutual Insurance Company PIEDMONT Piedmont PLANNED-ADMINISTRATORS Planned Administrators Inc. PREFERRED-CARE-PARTNERS Preferred Care Partners PRIORITYHEALTH Priority Health PROMINENCE-HEALTH-PLAN Prominence Health Plan PHP-FL-ADV Prominence Health Plan of Florida (Medicare Advantage) PHP-NV-ADV Prominence Health Plan of Nevada (Medicare Advantage) © Experian Health, Inc. Experian Confidential Information Page 27 of 28 PHP-TX-ADV Prominence Health Plan of Texas (Medicare Advantage) PROVIDENCE-HP-MCARE Providence Health Plan Medicare PROVIDENT-AMERICAN-MCARESUPP Provident American Life And Health Ins Co Medicare Supplement RELIANCE-STANDARD QuikTrip Corporation RELIANCE-STANDARD Reliance Standard Life RENAISSANCE Renaissance Life and Health RCKY-MTN-ELIG Rocky Mountain Health Plan RCKY-MTN-MD-ELIG Rocky Mountain Medicaid Health Plan ROYAL-NEIGHBORS Royal Neighbors of America SAMARITAN-HP Samaritan Health Plans SAMBA-HP SAMBA Health Benefit Plan SANA-HLTH SANA Health SELMAN Selman and Company SENIOR-DIMENSIONS Senior Dimensions SENIOR-WHOLE-MCAID Senior Whole Health of Massachusetts Medicaid SENIOR-WHOLE-MCARE Senior Whole Health of Massachusetts Medicare SHARED-HLTH-MS Shared Health Mississippi SIERRA-HEALTH-BATCH Sierra Health and Life SIGNIFICA Significa Benefit Services TPA SILVERSUMMIT-HP SilverSummit Healthplan MEDICAID-SD South Dakota Medicaid SPECIAL-AGENTS-MUTUAL Special Agents Mutual Benefit Association SPJST-MCARESUPP SPJST Medicare Supplement SVCMC-NY St Vincent Catholic Medical Centers of New York STANDARD-INSURANCE Standard Insurance STANDARD-INSURANCE-NY Standard Insurance of New York STANDARD-LIFE Standard Life and Accident Insurance Company STANFORD-HC-ADV Stanford Healthcare Advantage (SHC) STUDENT StudentResources SUMMIT-AMERICA Summit America Insurance Services SUNFLOWER-STATE-HP Sunflower State Health Plan SUNSHINE-STATE-BATCH Sunshine State Health Plan SUPERIOR-HP-TX-BATCH Superior HealthPlan of Texas BIND Surest SUTTER-SELECT Sutter Select TX-CHILDRENS-HP Texas Childrens Health Plan HEALTHPLAN-WV The Health Plan of West Virginia THE-ULLICO-COMPANIES The ULLICO Family of Companies Three Rivers Health Plans Three Rivers Health Plans THRIVENT Thrivent TOTAL-HEALTH Total Health Care TRANSACTRX TransactRX Part D TRANSAMERICA-FIN-LIFE Transamerica Financial Life Insurance © Experian Health, Inc. Experian Confidential Information Page 28 of 28 TRANS-LIFE-INS Transamerica Life Insurance TRIPLE-S-ADV Triple-S Advantage TRIPLE-SALUD-BCBSPR Triple-S Salud (BCBS Puerto Rico) TRUSTMARK Trustmark Small Business Benefits UCARE-MINNESOTA-COMM UCare of Minnesota UCARE-MINNESOTA-MEDICAID UCare of Minnesota Medicaid UCARE-MINNESOTA-MEDICARE UCare of Minnesota Medicare UMR-WAUSAU-BATCH UMR Wausau UNION-PACIFIC Union Pacific Railroad Employees BETTER-HEALTH Unison Health Plan BETTER-HEALTH Unison Health Plan UNITE-HERE Unite HERE Health-LV UNITED-AMER-INS-CO United American Insurance Company UNITED-MINE-WORKERS-ASSOCIATION United Mine Workers Association UNITED-TEACHER-MCARESUPP United Teacher Associates Medicare Supplement UNIVERSITY-CARE-ADVANTAGE-AZ University Care Advantage Arizona UNIVERSITY-FAMILY University Family Care UNIVERSITY-PHYS-ADVANTAGE University Physicians Care Advantage US-FAM-HP US Family Health Plan USAA-LIFE USAA Life Insurance Company USAA-MCARE-SUPP USAA Medicare Supplement VA-FEE-BASIS VA Fee Basis Program VA-HAC VA Health Administration Center VANTAGE-HEALTH-COMMERCIAL Vantage Health VANTAGE-HEALTH-MEDICARE Vantage Health Medicare VILLAGE-FAMILY-PRACTICE Village Family Practice WEB-TPA WEB-TPA WPAS Welfare and Pension Administration Service (WPAS) WELLFLEET Wellfleet Group LLC WV-CHIP West Virginia CHIP WS-FINANCIAL-GRP Western and Southern Financial Group WESTERN-HEALTH-ADVANTAGE Western Health Advantage WHA-MCARE Western Health Advantage Medicare WESTERN-SKY Western Sky Community Care MEDICAID-WY Wyoming Medicaid Notice of Care BCBS-MA Blue Cross Blue Shield of Massachusetts   [00:01:15] Change in healthcare industry. [00:04:42] Cybersecurity breach at Change. [00:08:55] Cash flow challenges for healthcare groups. [00:13:37] Major issues in healthcare cybersecurity. [00:16:28] Hackers demanding ransom for data. [00:20:45] Cybersecurity threats in healthcare. [00:24:40] Healthcare system vulnerabilities. [00:29:53] Lack of transparency in communication.  

Shane Bauman is the founder of RISE and has been in the financial services industry since 2011. During his 12+ years in financial services, Shane has served in the roles of Advisor, Managing Director and President. He thoroughly enjoys helping professionals actualize their dreams and pursue their passions by utilizing financial services as a platform for success.Prior to his career in financial services, Shane worked in various leadership and sales roles in the real estate, marketing, and education sectors. His passion is in helping people reach their personal, business, and career goals. He's accomplished much of this by working with small business owners and entrepreneurs. With his extensive background in running small companies, Shane understands the challenges of wearing multiple hats while striving for the balance between a strong culture and maximum profitability. Born and raised in Colorado, Shane acquired his Bachelor of Science degree in Business Administration with a minor in Visual Arts. A resident of Castle Rock, he and his wife of over 20 years, Jenni, have 3 amazing children- his son, Kade, and his daughters, Graissen and Macie. In his spare time, Shane enjoys hiking, fishing, men's ministry, reading, movies, and music.Here, Shane shares how he founded RISE and what inspired him to start transforming clients' lives. At one point, he became disillusioned with his industry, but he prayed on it and his faith guided him to change up the game. We also discuss Shane's experiences with burnout and finding his “why,” how Shane is able to hold space for his clients, and more.Shane Bauman is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. RISE is not an affiliate or subsidiary of PAS or Guardian. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or RISE and opinions stated are their own. 2023-166158 Exp. 12/25 What's Inside:How Shane started RISE and the impact of his faithHow to avoid burnout and find your “why”How Shane holds space for his clients Mentioned In This Episode:Listen Then Speak PodcastRiseBeyondMoney.com

Perrin is a Co-Founder of Polaris Healthcare Partners. Polaris Healthcare Partners helps healthcare entrepreneurs build successful group practices. We create clarity, confidence, and results through education, strategic consulting, growth capital sourcing, and equity. They help healthcare entrepreneurs build and exit successful group practices. Listen to this information-packed Financial Flossing episode discussing the challenges of building a group practice. What is the biggest challenge that prevents growth? Are you scaling yourself out of the clinician role? Why you should reconsider building a group or DSO. Pros and cons for a fee for service practice. Learn basic growth strategies. Website: http://www.polarishealthcarepartners.com Facebook: https://www.facebook.com/PolarisHealthcarePartners/ LinkedIn: https://www.linkedin.com/in/perrin-desportes-7428067/ LinkedIn: https://www.linkedin.com/company/polaris-healthcare-partners/ YouTube: https://www.youtube.com/channel/UCMINy8AfUJRQ1xHogiMicUg Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 3664 Coolidge Ct.,Tallahassee, FL 32311, 850-562-9075. Securities products and advisory services offered through PAS, member FINRA,SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PASis a wholly owned subsidiary of Guardian. North Florida Financial is not an affiliate or subsidiary of PAS or Guardian. CAinsurance lic. #0L10073, AR Insurance lic. # 16139032. Learn more about your ad choices. Visit megaphone.fm/adchoices

Host, Bryan Kuderna, provides a brief summary of the stock market in 2023, including the winners and losers of the year.  He shares his outlook for 2024 and economic indicators to look out for, including GPD, unemployment, inflation, and recession. This episode is brought to you by Bryan's new book, "What Should I Do with My Money?", available in paperback, Kindle, or audiobook wherever books are sold. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2024-167182 Exp. 1/26

In today's episode of The Hero of the Hour podcast, Mark Murphy has an insightful conversation with James Walter, a true hero making a significant impact on people's lives with his powerful message about health and healthcare.James is a passionate advocate for preserving health and taking responsibility for one's own well-being. Inspired by his personal experience with his father's early passing, James dedicated his life to finding ways to help others lead healthier lives and avoid preventable diseases.You will find out about the compelling link between exercise and its positive impact on chronic health conditions like high blood pressure, high cholesterol, and diabetes. James shares how incorporating more movement into your daily routine, even in small ways, can have a significant compounding effect on overall health.You will learn that exercise is a powerful form of medicine, and how, by taking charge of our health, we can avoid the need for multiple medications and potential side effects associated with them.James will also talk about his experiences speaking in front of various audiences all over the country, sharing his message and inspiring others to prioritize their health and well-being.Join us for an engaging discussion with James Walter, as he emphasizes the importance of preserving your health and living a balanced life. Learn how you can make small changes that lead to significant improvements in your overall health and well-being.Enjoy!What You'll Learn in this Show:The connection between exercise and preventing chronic health conditions.How to incorporate more movement into your daily routine for better health.The power of exercise as a form of medicine.Inspiring stories of making a positive impact on people's lives.Practical tips to prioritize your health without sacrificing other aspects of your life.And so much more...Resources:Mark B. Murphy websiteNortheast Private Client GroupMark B. Murphy LinkedinNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. NORTHEAST...

Mark Chalmers is the President and CEO of Energy Fuels, the leading U.S. producer of uranium and an emerging global player in the commercial rare earth business.  He has consulted several key industry leaders in the uranium supply sector, including BHP, Rio Tinto, and Marubeni. Chalmers holds a Bachelor of Science in mining engineering from the University of Arizona, is a registered professional engineer, and served as the Chair of the Australian Uranium Council for ten years. He holds dual citizenship in the U.S. and Australia. To set the stage for our interview, the U.S. is the largest producer of Nuclear Power (almost double China) and 24% of our enriched Uranium comes from Russia.  The U.S. has banned Russian oil and natural gas, but not Uranium.  According to the Energy Information Administration, as of 2022, 18% of U.S. energy comes from nuclear, versus 61% from fossil fuels and 21% from renewables. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-166766 Exp. 12/25

Scott Fulford is a senior economist at the Consumer Financial Protection Bureau and author of The Pandemic Paradox: How the COVID Crisis Made Americans More Financially Secure.  Scott Fulford led the development of the bureau's “Making Ends Meet” surveys. His wide-ranging policy and academic research examine the economic shocks people face and how they deal with them, as well as how economies grow and develop in the long term.  Scott has a PHD in Economics from Princeton. Order Scott's new book at https://www.amazon.com/Pandemic-Paradox-Crisis-Americans-Financially/dp/0691245320/ref=sr_1_1  Learn more about Scott at https://www.consumerfinance.gov/data-research/cfpb-researchers/scott-l-fulford/ This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-166548 Exp. 12/25    

In today's episode of The Hero of the Hour Podcast, Mark chats with Mike Boone, football running back for the Houston Texans of the NFL. He played college football at the University of Cincinnati and signed with the Minnesota Vikings as an undrafted free agent in 2018. Mark also sits down with Mike Tisch, Financial Specialist at Sports Wealth Asset Group, a business created to help athletes and entertainers realize financial wellness. SWAG's team of account executives consists of attorneys, Certified Public Accountants, Chartered Life Underwriters, Chartered Financial Consultants, Certified Financial Planners, NFLPA registered financial planners and MBAs, providing breakthrough thinking that can reduce costs and capture more money to help build their client's wealth and bring significant value to their brand.During the episode, they discuss Mike Boone's background, how he started in a small town just outside Jacksonville, Florida, to getting his degree and playing football with the University of Cincinnati.They talk about Mike Boone's belief in taking care of himself and his money, leading to good decisions and making Mike Tisch's job that much easier.Mike also offers some thoughts on the most important things he looks for in evaluating which team he will play for next year.Join Mark, Mike and Mike for this fascinating discussion!Enjoy!What You'll Learn in this Show:The importance of finding your passion outside of football. The difference between a regular season and a playoff game.The camaraderie of the Cincinnati Bengals.And so much more...Resources:Mike Tisch LinkedInSports Wealth Asset GroupNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of...

In today's episode of The Hero of the Hour Podcast, Mark chats with Cathy Savage, owner of the Savage Coaching Agency. She is a speaker for conferences, and has appeared on television, in magazines or online. She started her fitness company over three decades ago and served as a ‘Manager' for her clients, helping thousands of women soar to greatness in many industries. She has been featured on MTV, ABC News, Fox News, and ESPN and has contributed to countless magazine publications. Cathy puts her clients in front of the right people, marketing and promoting them, and helping them step into a realm of magnificent success. She is a graduate of Boston College with post graduate work in Brand Management from Ivy League universities.During the episode, they discuss Cathy's entrepreneurial path, from her fitness empire started nearly three decades ago, to her current elite coaching business helping women all over the world.They talk about Cathy's PROOF toolkit, a step-by-step approach that helps women confidently understand what's best for their health, body, lifestyle, and long term relationships.Cathy also shares the reasons why she feels that mindset is a decision that you make to believe in yourself.Join Mark and Cathy for this fascinating discussion!Enjoy!What You'll Learn in this Show:How Cathy got started on the entrepreneurial path.The four unique coaching programs that Cathy offers.The importance of branding in business.And so much more...Resources:Cathy's websiteNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. NORTHEAST PRIVATE CLIENT GROUP is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 0B36048, AR Insurance License Number - 741545.2023-164800 Exp 11/25

In today's episode of The Hero of the Hour Podcast, Mark chats with Ryan Gottfredson, Ph.D., a mindset author, researcher, and consultant. He helps organizations vertically develop their leaders primarily through a focus on mindsets. He helps improve organizations, leaders, teams, and employees by improving their mindsets. Ryan is currently a leadership and management professor at the College of Business and Economics at California State University-Fullerton (CSUF). He holds a Ph.D. in Organizational Behavior and Human Resources from Indiana University, and a B.A. from Brigham Young University.During the episode, Ryan explains why he believes that true heroes (or leaders) are people who aren't concerned with their own safety or comfort, nor do they want the outcomes, the accolades... they just want to create value for others.They talk about the importance of elevating an organization by elevating its cognitive and emotional sophistication. In other words, by making sure the executive team are operating on a higher level, which leads to transformational turnarounds and healthy growth for business.Ryan also offers insights on his belief that leadership is not just about doing the right things, it's also about being somebody that others want to follow.Join Mark and Ryan for this fascinating discussion!Enjoy!What You'll Learn in this Show:Concepts such as 'vertical development' and 'elevated mindsets.'The difference between a top-down company, working with the CEO first, and one that works with teams.What the future holds for Ryan and the leaders he works with.And so much more...Resources:Ryan Gottfredson's websiteRyan's LinkedInNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of...

In today's episode of The Hero of the Hour Podcast, Mark chats with Al Gaburo, Strategic Advisor, and lobbyist for Princeton Public Affairs Group, Inc. Al is a partner at PPAG, NJ's premier government relations firm. Over the past three decades Al has earned a reputation as one of the state capital's most knowledgeable and respected advocates. His practice centers around healthcare, insurance, transportation, environmental and economic development issues. His client roster reads like a “who's who” of business in NJ including industry leading corporations in the pharmaceutical, insurance, hospital, maritime and transportation industries.Al has served as a political strategist and Senior Advisor to countless campaigns ranging from local to county clerk , Sheriff, surrogate, and county commissioner. He has also served as Senior Advisor on US Congress, US Senate and Gubernatorial campaigns.During the episode, they discuss Al's definition of a hero, and the people he's looked up to as heroes in his life, from athletes to statesmen such as Dwight Eisenhower and Winston Churchill.They talk about government work and why businesses that try to succeed without accessing the help of the government often struggle.Al also explains why it's so vital for people to talk to each other, no matter their politica stripe, and try to solve common problems in a bipartisan way that benefits everyone.Join Mark and Al for this fascinating discussion!Enjoy!What You'll Learn in this Show:How public affairs work differs from public relations.The reasons why politics are so important, even in our everyday lives.Al's favorite legislator of all time.And so much more...Resources:Princeton Public Affairs GroupAl's LinkedInNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary...

In today's episode of The Hero of the Hour Podcast, Mark chats with JJ Birden, a former NFL Pro turned motivational keynote speaker. JJ was the #1 high school wide receiver in Oregon, however, he didn't receive a single D1 scholarship offer. He was fast enough, but at 5'9 and 133 lbs., JJ was just too small to play with the big boys. At least that's what the naysayers thought; JJ knew he was good enough, and he set his mind to achieving the impossible. All he needed was an opportunity, no matter how small, even if it meant making his own. He later went on to play 9 seasons in the NFL (an average NFL career is less than a quarter of that) despite never being the biggest, strongest or most physical guy on the field.During the episode, JJ explains how he defines a hero - someone who's out there taking the lead, and leading by example. Someone who sets the right example at the right pace.They talk about the importance of a good mindset, and why it's vital in any area of achievement, especially business.JJ also offers insights on finding the right mentor who can help you create a plan, and put a strategy together to achieve successes you couldn't have dreamed of before.Join Mark and JJ for this fascinating discussion!Enjoy!What You'll Learn in this Show:Why JJ has actually been more successful off the field than he did on, despite having a VERY successful NFL career.How JJ transitioned into network marketing following his NFL career.How anterior cruciate ligament (ACL) injuries have changed in the NFL.And so much more...Resources:JJ's websiteJJ's LinkedInNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. NORTHEAST PRIVATE CLIENT GROUP...

In today's episode of The Hero of the Hour podcast, Mark Murphy has an insightful conversation with Bob Ball, a veteran of the Financial Services Industry since 1978, excelling as a top Agent, General Agent, and Coach for financial advisors.He notably transformed a scratch operation into a Master Agency during his 18 years at Guardian Life Insurance Company. As President of LEAP SYSTEMS, Inc., he expanded insurance selling systems and training services. Bob's recent role as a consultant for Guardian led to the creation of the innovative asset aggregation tool, The Living Balance Sheet, benefiting over 250,000 clients and empowering 2,000+ financial professionals. His passion for teaching financial advisors to convey their value has earned him a highly regarded reputation.In this episode, you will find out how Bob journeyed from a modest upbringing to becoming a prominent influencer in the financial industry. Mark and Bob will discuss the importance of being elite in your profession and striving to be better every day. Bob will share his experiences as a top financial advisor and the significant impact of creating The Living Balance Sheet on people's lives.Bob will explore the concept of financial balance and the dangers of chasing high returns without proper protection. He will also offer valuable advice on creating multi-generational wealth and the importance of making informed decisions regarding insurance, risk, and savings.Listen now and enjoy!What You'll Learn in this Show:Bob's journey from a successful college basketball career to a prominent figure in the financial industry.The transformational impact of The Living Balance Sheet on clients and financial professionals.The significance of protection and insurance in achieving financial balance.The dangers of chasing returns and the value of a disciplined approach to wealth-building.The importance of liquidity and maneuverability in responding to life events.Bob's perspective on legacy and the profound impact of everyday interactions.And so much more…Resources:Mark B. Murphy websiteNortheast Private Client GroupMark B. Murphy LinkedinNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS,...

Britt Frank is a nationally recognized neuropscyhotherapist, trauma therapist, and expert on mental health.  She is the author of "The Science of Stuck", named the Top Creativity Book of 2022.  Britt is a graduate of Duke University and The University of Kansas, where she is currently a professor.  She is known for decoding the brain, using 3 steps to control anxiety and harness motivation. Britt Frank- https://www.scienceofstuck.com/ This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-163543 Exp. 10/25

Certified Financial Planner™ and host, Bryan Kuderna, discusses the end of COVID-19 related student debt relief, including 0% interest and the repayment pause. He reviews various repayment options, forgiveness plans, and the politics of higher education. Income-Driven Repayment application: https://studentaid.gov/idr/ Department of Education loan calculator: https://studentaid.gov/loan-simulator/ Fed Student Aid's PSLF employer search engine: https://studentaid.gov/pslf/employer-search PSLF application: https://studentaid.gov/pslf This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-163251 Exp. 10/25 This episode is brought to you by my new book, "What Should I Do with My Money?", available wherever books are sold.

Wendy Starland is an American singer, songwriter and music producer from Los Angeles. She has been honored by The Songwriters Hall of Fame; named VH1's Best Emerging Artist; was featured on Moby's Grammy nominated album Last Night, has performed around the world and collaborated with some of the biggest stars in music. Starland discovered and developed Lady Gaga during the recording of "The Fame", which received Billboard's Album of the Decade. Learn more at https://www.wendystarland.com/. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-162355 Exp. 10/25 This episode is brought to you by my new book, "What Should I Do with My Money?", available wherever books are sold.

An examination of the tech sector's impact on the stock market decade-by-decade from the 1970's and the mainframe computer up to the Artificial Intelligence of the 2020's and beyond. For more information on the economic influence of big tech, be sure to check out Chapter 6- Tech in Bryan's new book, "What Should I Do with My Money?". This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-161935 Exp. 9/25

According to Forbes in 2022, only 23% of Americans had a written financial plan, while 37% had done no financial planning at all. It is a common misconception that you need to have a lot of money or be a business owner to seek out financial planning services and this could not be further from the truth.  On this week's episode of the Tallahassee Business Podcast we are joined by our 2023 Podcast Presenting Sponsor, MillCreek Financial Consultants. William Green and Robbie Kinney join us to break down the walls of financial planning. They discuss their Process vs. Product approach, advice on planning for retirement when inflation is inevitable, and how exit strategies need to be discussed sooner rather than later.  MillCreek shares their "why" behind their "what" and how they believe financial education is the forefront of what they do. Tune in to this week's episode to learn more! Visit MillCreek's website here: https://www.millcreekfinancialconsultants.com/   Disclosure:  This podcast is intended for general public use and for educational purposes only. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. William and Robbie are Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS). OSJ: 3664 COOLIDGE CT., TALLAHASSEE FL, 32311, 850-5629075. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representatives of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. MillCreek Financial Consultants is not an affiliate or subsidiary of PAS or Guardian. William's CA Insurance License Number - 0H88072, AR Insurance License Number - 3421324. Robbie's CA Insurance License Number - 0H88072, AR Insurance License Number - 3421324.2023-160727 Exp 9/23   

David Jahr is a renowned ghostwriter having worked with five New York Times best-selling authors including renowned doctors, CEOs, and pastors. He's earned an ESPY Award nomination for “Most Inspirational Sports Story of the Year” by ESPN. His most notable project is The Daniel Plan, a collaboration with Pastor Rick Warren, Dr. Oz, Dr. Daniel Amen, and Dr. Mark Hyman, which has helped thousands of people enhance their physical, and spiritual health. David's website: https://davidjahr.us/ The Daniel Plan: https://www.danielplan.com/author/david-jahr/ This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-61127 Exp. 9/25

Join us as we sit down with Amy Salo, CFP®, CAP®, CExP™, a passionate advocate for increasing female representation in the financial industry. Despite the immense potential for women in finance, only 17% of financial advisors and planners are currently women.Amy is on a mission to change this landscape. Through her vision, she aims to drive economic mobility within our communities by fostering a culture that not only attracts, but also develops and retains women in advisory roles, staff positions, and agency leadership. She firmly believes that as an industry, we have the capacity to excel further.Here at Purse Strings, we talk a lot about how the financial industry is primarily male-dominated. However, amidst this narrative emerges a powerful truth – women stand as the most influential force in the market today. Join us as we learn more about Amy's story, the realities of being in the business, and share why it is the perfect time for women to join and reshape the industry. Here are some key topics we'll discuss in this episode:With more women entering the workforce and gaining control over finances, there's a need for female financial advisors who can cater to their unique needs and preferences.The potential for women to excel in financial advisory roles due to their natural skills like empathy, listening, and the desire to help others.The financial services industry can offer women flexibility in their careers, allowing them to balance family commitments while building a successful practice.A mentor can provide guidance, boost confidence, and help navigate the challenges that come with the career, especially for women entering the male-dominated financial profession.While licensing may seem daunting, a supportive organization and on-the-job learning can help individuals acquire these qualifications over time.Learn More about Amy:https://pursestrings.co/professional/amy-salo/Check out Amy's Webinar: https://www.linkedin.com/posts/asalo_welcome-you-are-invited-to-join-a-webinar-activity-7093266438353743872-RxPX/?utm_source=share&utm_medium=member_desktopDisclaimer:This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. FOREST HILLS FINANCIAL GROUP is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 0L64608, 2023-159059.  Exp 08/2025Join the Purse Strings Facebook group: https://www.facebook.com/pursestringsco/ To learn more about money and access additional episodes, visit us online: https://pursestrings.co/

In today's episode of The Hero of the Hour Podcast, Mark chats with Alain Van Loo, the Chief Operating Officer at Intrommune Therapeutics and the Founder of Assetive.io. Alain founded Assetive to leverage 25 years of experience in global business and capital investment to work for its clients. His experience over those decades involved investment banking in both the US and Europe, portfolio management and strategist at a globally ranked macro hedge fund as well as a Chief Investment Officer working with private wealth and family offices.During the episode, they discuss Introimmune's work in developing safe and effective solutions for individuals suffering with food allergies - who number over 220 million globally, approximately 32 million in the US alone.They talk about the importance of surrounding yourself with a team of good people skilled in various disciplines, particularly the ones that aren't your strengths.Alain also offers his thoughts on investing: instead of implementing a five-pronged investment strategy, decide on two or three that make the most sense and go deep on those.Join Mark and Alain for this fascinating discussion!Enjoy!What You'll Learn in this Show:A little of Alain's background working with Introimmune, providing disease-modifying treatment through their oral mucosal immunotherapy (OMIT) platform.Why Alain thinks the biggest risk for 2023 is interest rates.Why a 'wait and see' attitude to investing is dangerous.And so much more...Resources:Introimmune TherapeuticsAssetive.ioAlain's LinkedInNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian....

In today's episode of The Hero of the Hour podcast, Mark Murphy has an insightful conversation with Brian Masterson, a visionary who connects with people through the heart and a cybersecurity expert with an impressive background in the United States Air Force, Fortune 500 companies, and startups.Brian's mission is to be a hero to others by providing cybersecurity protection to individuals and families, ensuring their safety and trust in an increasingly interconnected world.You will learn about the evolving landscape of cybersecurity and the challenges individuals and companies face in protecting their identities, finances, and reputations. Brian shares his wealth of knowledge and expertise in the field, highlighting the importance of staying vigilant and implementing essential cybersecurity measures.He also discusses the educational component of his work, aiming to empower people with the knowledge to protect themselves online. By offering an online course and webinars, Brian seeks to create awareness and encourage individuals to take proactive steps in safeguarding their digital profiles.He will also share practical tips for enhancing your cybersecurity, protecting your personal information, and ensuring a secure online presence. Brian's goal is to shed light on this critical topic without resorting to fear-mongering, fostering a positive and empowered approach to cybersecurity.For these valuable insights and much more, join Mark Murphy and Brian Masterson in this engaging episode of The Hero of the Hour podcast! Enjoy!What You'll Learn in this Show:Brian's personal hero and the values they instilled in him.The evolving landscape of cybersecurity and the threats individuals face.Practical steps to protect yourself and your family online.How to approach cybersecurity with a positive and empowered mindset.And so much more...Resources:Cybvisor.com Mark B. Murphy websiteNortheast Private Client GroupMark B. Murphy LinkedinNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New

John Coates is a Deputy Dean and Professor of Law and Economics at Harvard Law School. He has served as General Counsel and Acting Director of the Division of Corporation Finance of the Securities and Exchange Commission (SEC), testified before Congress, and provided consulting services to the Department of Justice, Department of Treasury, and New York Stock Exchange. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-160159 Exp. 8/25   John's new book, “The Problem of Twelve:  When a Few Financial Institutions Control Everything” is now available wherever books are sold.  https://globalreports.columbia.edu/books/the-problem-of-twelve/  

Host, Bryan Kuderna, discusses how record US oil production and Electric Vehicle sales are stabilizing the price of gasoline amid inflation, Russia-Ukraine war, and China reopening their economy. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-159791 Exp. 8/25 This episode is brought to you by "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available wherever books are sold.

Bryan discusses his 5-Step Financial Planning Process of Protection, Liquidity, Debt Management, Wealth Creation, and Growth. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-157328 Exp. 6/25 For more information, check out Bryan's new book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available at: https://www.amazon.com/What-Should-Do-My-Money/dp/1264857934/ref=sr_1_1

What if I were to tell you that networking is dead? Bruce Libman has reinvented the networking group with ARG: Accountants Resource Group. Bruce opens up about warm invitations, using Zoom to keep going through COVID, and expanding across the country. His network is not a business card exchange club, this is about serving each member, along with ongoing training and development. This is a fun episode as Brad catches up with long time friend and fellow NYer...chatting about fatherhood, the Boston Red Sox and much more. About Bruce Libman: Bruce is recognized as an innovative marketer and networking strategist. He believes to succeed in Business Development you must embrace a “Clients For Life” philosophy. This approach is the guiding principal of the organization.He is the Author of Total Networking, It's Just Breakfast and Networking A-Z, three practical books for individuals and professionals seeking to enhance their networking outcomes. Bruce's approach is a “Give vs. Get” approach to creating valued relationships. Bruce was Director of Operations for a 100+ location National Retail Chain until 1986, when he changed his focus to the Financial Services arena with MetLife. He was a perennial member of the Million Dollar Round Table, an honor earned by a select few in Financial Services. In 1992 he became a consultant to the Principal Mutual Insurance Company and The Guardian Life Insurance Company. He specialized in sales training and individual marketing strategies with a passion for working with the Accounting and Law communities. In 2005 he established Total Networking and Consulting beginning with three professionals, today the organization boasts more than 200 business owners and professionals.He has been a keynote speaker for New York State Society for Certified Public Accountants and many other professional business organizations. He was honored as Man of the Year in 2004 by the Childcare Council a non-profit organization whose goal is to provide access to quality child care and early learning that fosters successful growth and development for every child. In 2014 he was honored as Man of the Year by Special Olympics the world's largest sports organization for children and adults with intellectual disabilities In 2016 he was honored as Man of the Year for ACLD (Adults and Children with Learning and Developmental Disabilities) a leading not-for-profit agency that proudly serves the needs of individuals with developmental disabilities and their families. About Awakened Nation: Fueled by the passion to ignite game-changing conversations, award-winning author Brad Szollose created Awakened Nation—a podcast dedicated to deeper conversations with today's outliers and cutting edge entrepreneurs, idea makers and disruptors, bestselling authors, activists, healers, spiritual leaders, professional athletes, celebrities, politicians and rock stars...conversations that take a deep dive into the extraordinary. This podcast will challenge your beliefs. Think Art Bell meets Joe Rogan. --- Support this podcast: https://podcasters.spotify.com/pod/show/awakenednation/support

Andy Ross is a country rock star, former TV host, and CEO of a publicly traded company.  He grew up in small town in Kansas before starting Ross Archery, hosting Maximum Archery on The Outdoor Channel and Sportsman Channel, and releasing the hit single- "American Rebel" which turned into his entire brand – American Rebel Holdings.  Learn more about Andy at www.andyross.com and American Rebel at www.americanrebel.com This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-156104 Exp. 5/25 This episode is brought to you by my new book, What Should I Do with My Money?, published by McGraw Hill, and available in paperback, kindle, and audiobook wherever books are sold.

In today's episode of The Hero of the Hour Podcast, Mark chats with Amber Vilhauer, CEO and founder of NGNG Enterprises (NoGutsNoGlory!), an Inc. 5000 top marketing agency in the country. Since starting her boutique agency in 2007, Amber has supported thousands of entrepreneurs on six continents specializing in branding websites that convert, marketing strategy that draws in qualified leads, and overall business growth consulting (including bestseller book launches). She has greatly shaped the publishing and internet marketing industries through her human connection-based strategies and operations. Amber is also a multi-award winner for Female Entrepreneur of the Year and other Women in Business professional awards, which are a testament to her unwavering commitment to excellence and achieving noteworthy results.During the episode, Mark and Amber discuss methods for closing more opportunities and avoiding sales calls that go nowhere, wasting your time.They talk about the importance of making your content searchable through videos, such as tutorials, tip videos, answers to commonly asked questions, etc.Amber also explains why she believes that most entrepreneurs should, at some point, write a book.Join Mark and Amber for this fascinating discussion!Enjoy!What You'll Learn in this Show:Why leverage is one of the best ways to scale your business to new levels.The importance of being careful and thoughtful about the people and business you choose to connect with.Why writing a book establishes an entrepreneur as a credible expert in their industry.And so much more...Resources:Amber Vilhauer's websiteAmber's LinkedInNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. NORTHEAST PRIVATE CLIENT GROUP

In today's episode of The Hero of the Hour Podcast, Mark chats with Troy Germano, owner and CEO of Germano Studios | The Hit Factory. Troy has been in the recording business since 1975, and many of the biggest names in entertainment have recorded at the studios he oversees, from John Lennon and The Rolling Stones to Luciano Pavarotti, Sinatra, Peter Gabriel, Michael Jackson, Lady Gaga, Mariah Carey, the Notorious B.I.G., Paul Simon, John Legend, Celine Dion, Rihanna, Eric Clapton... the list goes on. Troy is also active in developing a series of analog audio speakers, as well as virtual digital professional audio plugins and studio design.During the episode, Mark and Troy discuss the definition of a hero in terms of business and entrepreneurship.They talk about the importance of relationship building in the music business that makes the industry work - from artists and musicians to record company executives, engineers and everyone in between.Troy also explains why young artists have to be treated with the same respect and made to feel just as important as more established artists.Join Mark and Troy for this fascinating discussion!Enjoy!What You'll Learn in this Show:The toughest part of running a family business.The importance of relationship building in the music industry.An inside look at the Hit Factory's creative process.And so much more...Resources:Germano StudiosNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. NORTHEAST PRIVATE CLIENT GROUP is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 0B36048, AR Insurance License Number - 741545.2023-152059 Exp 03/25

In today's episode of The Hero of the Hour Podcast, Mark chats with his partners at Northeast Sequoia Private Client Group, Adam Schlossberg and Benjamin Bush. Adam is the President at Northeast Private Client Group. He has expanded his knowledge and skill set by obtaining Series 7 and Series 66 licenses. Adam is also a key business strategist, critical thinker, and financial advisor to entrepreneurs and entrepreneurial thinking people. Ben is a managing partner for Northeast, helping entrepreneurs and professionals create a new understanding of how finances work, and deploying strategies designed to allow clients to reach their true wealth potential. He is a key business strategist and inquisitive critical thinker and financial advisor.During the episode, Mark, Adam and Ben discuss the mindset that says, when you hire the best people, you need to get out of the way and you give them the resources for them to be successful.They talk about the reasons so many entrepreneurs fail to invest in their own businesses, particularly in the early days of their businesses.Adam and Ben also offer insights into measurements of success, such as having existing team members recruiting friends and family into the business - a sure sign you're doing something right.Join Mark, Adam and Ben for this fascinating discussion around creating a successful business that focuses on growth and providing value.Enjoy!What You'll Learn in this Show:The biggest difference between a business owner and an entrepreneur.Mark's belief that one's bank account grows as a consequence of providing significant value.The importance of celebrating your wins as your business grows.And so much more...Resources:Northeast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. NORTHEAST PRIVATE CLIENT GROUP is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 0B36048, AR Insurance License Number -...

Welcome to the first episode of The Hero of the Hour Podcast! Your host is Mark B. Murphy, the founder and CEO of Northeast Private Client Group and the author of three books, including his latest book, The Ultimate Investment.In this origin episode, Mark talks about his own story, why he decided to create this podcast, what the show is going to be about, what the purpose of the show is, and what kind of people are going to be invited as guests.You will also learn more about the intention behind the name of this show and why Mark decided to call it “The Hero of the Hour“. Mark will define what a real hero means to him and how he decided, 35 years ago, to become a hero for entrepreneurs and for entrepreneurial thinking people, who are some of his own heroes and so much more.Listen now and enjoy!What You'll Learn in this Show: Why “The Hero of the Hour”? What does this name mean to Mark?Why did Mark decide to create this podcast?What does being a hero mean to Mark?About a big decision Mark took 35 years ago and how he became a hero for entrepreneursA little bit about Mark's booksAnd so much more...Resources:Mark B. Murphy websiteNortheast Private Client GroupMark B. Murphy LinkedinNortheast Private Client Group Youtube ChannelBooks:The Ultimate InvestmentExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThe Win-Win Outcome; The Deal Maker's Guide to Buying and Selling Dental PracticesThis podcast is for general public use and is for educational purposes only. By providing this content, Park Avenue Securities LLC is not undertaking to provide any recommendations or investment advice regarding any specific account type, service, investment strategy or product to any specific individual or situation, or to otherwise act in any fiduciary or other capacity. Please contact a financial professional for guidance and information that is specific to your individual situation. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA,SIPC. OSJ: 200 Broadhollow Rd, Ste 405, Melville, NY 11747, ph# 631.589.5400. PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Northeast Private Client Group is not an affiliate or subsidiary of PAS or Guardian. 2021-120755, Exp. 5/23 CA #0H30562