Knowledge is the key to a successful financial future. My goal is to provide families and business owners with assistance in building their financial freedom. I have the skills, knowledge, and experience required to help meet my client's established goals. My personal goal is to become a lifetime resource for each and every client. I offer total financial needs analysis, including access to trust services, through a network of experienced professionals with detailed knowledge in:

• Retirement analysis and programs
• Estate strategies
• Employee benefit and retention services
• Business continuation strategies

I am licensed to sell insurance in NJ, NY, PA, IL and FL, and securities in: NJ, NY and PA. I am a registered representative of and offer securities and investment advisory services offered through MML Investors Services, LLC, Member SIPC (www.sipc.org). Supervisory address: 184 Liberty Corner Road, Ste. 315, Warren, NJ 07059-6868

Insurance Representative of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, and its affiliated US insurance companies. Registered Representative of and securities offered through MML Investors Services, LLC, Member SIPC and a MassMutual subsidiary. 184 Liberty Corner Road, Ste. 315, Warren, NJ 07059-6969. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies. Agency officers are not officers of MassMutual.