The core of our business is employee benefits. We know that Employers want to attract and retain the best possible employees available to them – and they also want to look after them. At MSC, we have over 50 years of combined experience in tailoring group insurance and group retirement plans to reflect the unique needs of our clients. We do this with clear process, clear recommendations and clear ongoing management of all our solutions. We are not exclusive in any way, however there are not many Employee Benefit Adviser Companies that just deal exclusively in this market. We do. We have the unique capability to pull together and co-ordinate the right legal, accounting and actuarial expertise that will solve the complex financial needs of Business Owners. As we do not offer these services at MSC Financial Group Inc. We are strictly Employee Benefit Advisers. We create meaningful relationships with our clients that allows for a deep level of trust. I believe is rare quality in today's marketplace.