Is a cash balance retirement plan right for you?

 

America Abandoned the Greatest Economy in History

Of Americans born in 1940, 92 percent went on to earn more than their parents; among those born in 1980, just 50 percent did. In the 70s, we abandoned the great economy of the end of WWII—the great American Dream. We chose growth of the private sector and inequality flourished—a child born in United Kingdom now has a far better chance of outearning their parents than one born in the U.S. For many of us the American Dream is a bad joke on us. Young adults facing financial ruin as they care for aging loved ones.

America has produced a Donald Trump—who declared, in 2015, “The American dream is dead”—and the seething discontent in American life has replaced it. Meanwhile the rich, with the money to do it, have exploited the growth of the global economy for their personal benefits. We no longer used taxes to pay for community swimming pools but for tax breaks for the already rich. The top marginal income-tax rate was 70% when Reagan took office and 28% when he left. Our national debt has reached levels equal to those from the expense of WWII.  Our next president will face the problem of restoring the balance of spending and taxation. Raising taxes may be the only solution.

Avoid future tax increases: https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072/

 

Is Umbrella (liability) insurance right for you?

This is also called excess or secondary coverage. If you hit someone and are sued, your car or home insurance will cover the minimum part while the amount over that may be paid by your umbrella policy. Usually this low-cost protection is owned by any person with assets over $1 million. It also covered President Clinton when he was sued in office. Umbrella policies can also provide additional coverage not offered in the primary policy, such as protection against slander and libel. An umbrella policy can also cover family members and those living in a household. Do you need an umbrella? Medical costs from an accident that you are found liable for may exceed your current liability coverage. You should consider a purchase if you own a pool, a dog, or a dangerous property fixture. Even your objective review on a website may produce a liability.

Buy only what you need: https://www.amazon.com/Lawsuit-Insurance-need-right-policy/dp/1480061123

 

Is a cash balance retirement plan right for you?

IBM has just taken the unusual step of adding this kind of plan to their retirement offerings. A cash balance pension plan is a defined-benefit pension plan with the option of a lifetime annuity. The employer credits a participant's account with a set percentage of their yearly compensation plus interest charges for a cash balance plan. Changes in the portfolio do not affect the final benefits received by the participant upon retirement or termination, and the company bears all ownership of profits and losses in the portfolio. The most significant difference between a cash balance pension and a traditional pension plan is that the traditional plan generally uses the last few years of your highest compensation to determine your monthly benefit. The employer bears the investment risk in a CBP. The employer is responsible for ensuring the employee receives the amount promised, so no matter what happens, it must ensure the employee gets that amount. People 60 years and older can sock away well over $300,000 annually in pretax contributions.

https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072

 

 

********ACCOUNTABILITY**************?

 

 

Like 1776, this period is a test of democracy—We rejected an "American fascist" once

 

 

The Path to Dictatorship: 2010-2030

 

Parallels of this era in the past may hint at our future: democracy breaks apart legally

 

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

Billionaires paid $881 million for votes in 2022 midterm elections

 

Nov 2020 Wealthy discredit election process

 

Nov 21 2020 Trump’s Plans for a Coup: criminal

 

Nov 21 2020: Trump plan: US Marshals seize voting machines

 

Jan 6 2021 Direct govt overthrow failed: guns & bombs were ready

 

Trump engaged in a "criminal conspiracy" to stop Biden

 

“I don’t f—ing care that they have weapons”

 

Trump was “detached from reality”

 

Trump used mafia-style intimidation on the defenseless

 

Trump still terrorizing election woman

 

Parscale: “a sitting president asking for civil war.”

 

Trump: “Just say the election was corrupt and leave the rest to me” 

 

GOP fascism: “RINO hunt armed; no bagging limit” J6 comm threat

 

January 6, 2021 “A date which will live in infamy”

 

Trump’s Supremes END personal rights & state laws except for weapons WMDs

 

Fascism: GOP to stop women leaving state for abortion

 

It’s not a court. It’s a junta: Two Americas

 

Trump: President Biden is 'enemy of the state'

 

Christian Nationalist Party (CNP) replaces GOP

 

Nov 8 2022 Trump’s “national revolution” failed

 

Nov 15 2022 Trump announces for 2024 to avoid lawsuits

 

Dec 3 2022 Trump: cancel Constitution rules so ‘I win’

 

Mar 11 2023 Pence straddles his place in history

 

Mar 31 2023 Trump indicted misusing election money

 

Apr 7 2023 One GOP guy decided which drugs we can use

 

Apr 9 Illustrated Anne Frank book removed by Florida school

 

Apr 21 Trump: “I am your justice”

 

May 9 Trump guilty of sexual abuse

 

Jun 8 Trump indicted by the United States of America

Violation of the Espionage Act

Conspiracy to obstruct justice

Making false statements 

 

Aug 1 2023 Trump indicted by the United States of America

Conspiracy to defraud the United States

Conspiracy to obstruct Congressional proceeding

Obstruction of and attempt to obstruct an official proceeding

Conspiracy against right to vote

 

 

Attempted coup d'état by any other name

 

350+ people have been sentenced to jail or prison.

 

 

Trump and His Gang Get the Mob Treatment

 

Aug 4  “IF YOU GO AFTER ME, I’M COMING AFTER YOU!”

 

Mobster #1 Enrique Tarrio gets 22 years 

Mobster Stewart Rhodes sentenced to 18 years

Mobster Ethan Nordean gets 18 years

Mobster Dominic Pezzola sentenced to 10 years

 

 

 

Aug 14 2023 Trump & 18 indicted by the State of Georgia

 

VIOLATION OF THE GEORGIA RICO (RACKETEER INFLUENCED AND CORRUPT ORGANIZATIONS) ACT SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

CONSPIRACY TO COMMIT INIPERSONATIN PUBLIC OFFICER FIRST DEGREE

CONSPIRACY TO COMMIT FALSE STATEMENTS AND WRITINGS

CONSPIRACY TO COMMIT FALSE DOCUMENTS

FORGERY IN THE FIRST DEGREE

CONSPIRACY TO COMMIT FALSE STATEMENTS AND WRITINGS

FILING FALSE DOCUMENTS

SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

FALSE STATEMENTS AND WRITINGS

SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

FALSE STATEMENTS AND WRITINGS

 

 

Aug 24 2023 The Don, Racketeer: GA jailhouse real ‘mug’ shot

 

Oct 2 2023  Kelly, Trump’s staff, confirms Trump called our veterans/wounded soldiers “suckers”

 

“Wannabe Dictator” to run our House of “Representatives”

 

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

Are we done with Santos? Surprised GOP expelled him since he is needed to pass bills

Wasted taxes: NASA Tests Mars Helicopter: $80 million + $5 million a month

War DRONES UTTERLY RESHAPED BATTLEFIELD: machine gun, radar, drones

 

Wasted taxes: NASA plans to land its $433.5 million VIPER on the Moon's South Pole. 

NASA search for life beyond earth costs more than saving us from climate destruction

 

SCAMS/SPINS:

Holiday scams and frauds: protect yourself from special scams

UAE’s Sultan Al Jaber: there is ‘no science’ behind demands for phase-out of fossil fuels

Young adults facing financial ruin as they care for aging loved ones

 

Mormon Church protects itself from child sex abuse claims with legal tricks

Dollar General stores charge more at checkout than on shelves: fine, no jail

Avoid fake goods, phony online deals for holidays

 

Pelleh Poultry Corp. is recalling more than 700 pounds of beef and poultry 

Atlantic Union Bank caught illegally enrolling thousands in checking overdraft 

Buy Now, Pay Later Often a Debt Trap

 

 

Childhood Vaccination Rates Are Falling

 

Trump assures Fox crowd he would not be “dictator upon returning to office” sort of.

Earl Miller caught securities fraud “5 Star,” real estate scam, Amish families, fine & jail

Traders were informed of Hamas' plans to attack ahead of time, and made millions on it.

 

Israel says it has killed up to 5,000 fighters out of a total of 30,000 in Hamas's war wing

 

School vouchers helping families already in private school: subsidies for better-off  

 

Jobs

10 years to replace lead pipes in all cities: plumbers & construction jobs

jobs.interestingengineering.com/

Work out routine to perform for 3 hours onstage singing, dancing, moving

The IRS is Hiring Revenue Agents

 

 

Who owns your account now?

Options for Changing an Irrevocable Trust

Should you switch from your Mac or Windows laptop to a Chromebook.

AFS 401(k) Retirement Services to Hub International

 

How much does elder care cost where you live?

More seniors paying over 30% of their income in housing costs

Donor-advised fund (DAF) helps you manage the timing of charitable giving: choice

 

Don’t lose your annual tax saving/deduction by deadline oversight

 

Miracles:

70-year-old woman in Uganda has given birth to twins after receiving fertility treatment

New stem cell treatment may halt progression of multiple sclerosis

Flying car gets FAA cert: vertical takeoff so you can park it in the driveway

 

Gene therapy offers hope for Parkinson’s disease patients

 

 

 

 

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Our Universe is Mind-Blowing

Light is both a particle and a wave depending on how we look at the light.

I don’t think that there is any such thing as a position or a velocity of a particle.

Everything (galaxies to stones) in universe made of subatomic energy ‘vibrations’

A subatomic ‘particle’ is the smallest possible vibration (quantum) of a quantum field.

A ‘particle’ is an event; not an objective thing. This event is set of complex relationships.

New theory may finally unite Einstein's gravity with the quantum world

 

 

Mass–energy equivalence: E=mc^2.  At the smallest level; Everything is moving

Energy into matter: scientists converted light energy directly into matter in one step

In place of atomic lattice, light waves used to create an optical lattice with same geometry

Physics Nobel Prize: “entanglement” 2 particles share info instantly at a distance

Quantum mechanics violates local realism: two objects behave as single system at distance

 

“It may be that gravity and quantum mechanics are exactly the same thing,” Leonard Susskind

Gravity might induce the collapse of quantum vibrations into 1 quantum state—our world

Strange state of physics that allows energy to flow frictionlessly through a material. 

Bending light from extreme gravity reveals largest black hole so far

Curved SpaceTime: heavy masses and simultaneously quantum effects become visible

There is no TIME at this level because of force fields come and go in all directions. 

Universe expanding: events may not come together like they did before: created our time.

Our planetary system: rarest system: only 1% of all systems with same number of planets

 

Stars fueled by the self-annihilation of dark matter might have been spotted for the first time by JWST

Inside protons, neutrons, it is the fields of the virtual particles that creates its mass.

Gold made from neutron stars: collisions produce more neutrons:79 protons,118 neutrons

The proton is so complicated science still finds new energy entities/forces every year.

 

“Empty space is a boiling, bubbling brew of virtual particles that pop in and out of existence in a time scale so short that you can’t even measure them.” Space expanding.

New method to study systems with long-range interactions: previously puzzling experts

The electricity we use comes from the field around the wire not from electron itself.

 

Natural ‘missing law’ explain how universe evolved: functions increase in complexity over time

Scientists build 'baby' wormhole as sci-fi moves closer to fact: inside quantum computer

starts-with-a-bang/universe-expansion-not-accelerating/

Physicists knew black holes eventually disappear particle by particle. Now they think everything else does, too.

Astronomers discover raw materials for life are present all across the Universe: methyl cation

 

 

 

@

We can apply for Medicare online: https://blog.ssa.gov/apply-for-medicare-online

We can apply for Social Security online: https://www.ssa.gov/benefits/retirement/

We can apply for health care online: https://www.healthcare.gov/

 

IAN

973.746.2014

http://www.theinsidersguides.com/ 

Alerts available at http://dankeppel.blogspot.com/ No AI used in these comments

 

 

Use a lawyer to avoid taxes

Another way the wealthy avoid paying taxes—a good tax lawyer

Jenkens & Gilchrist were the best tax lawyers in the country—even the IRS admitted that by pursuing them for years for tax evasion and fraud. After lead attorney Paul Daugerdas forged a tax shelter scheme used to generate fraudulent losses and eliminate income taxes worth nearly $7 billion for wealthy clients, the firm grew to 600 attorneys and was bringing in millions. Imagine something like the story in The Firm: Mitch (Tom Cruise) learns that most of the Firm's work involves helping wealthy clients hide large amounts of money in off-shore shell corporations and other dubious tax-avoidance schemes. Mitch goes to a seminar on taxes in Washington, probably given by Paul to other lawyers. Trump could teach that seminar based on his record of tax evasion and asset value manipulation in buildings, casinos, and golf courses. The best minds in the world aren’t curing cancer or world hunger, they work for the 1% who own more than 50 percent of the world’s wealth. “Only the little people pay taxes” one of them said.

https://www.amazon.com/Americas-Socialism-Rich-little-people/dp/1535218584

Trump new tax plan—cut the personal deduction, raise lowest bracket

A middle-class family of five — two parents, three children — would gain $17,000 for their standard deduction but lose $20,250 in personal deductions. Their remaining income would be taxed at 12 percent, not 10 percent. Extra child-care benefits might not be enough to make up the difference, so they would pay more. Trump eliminates what is called "head of household" filing which raises single parent taxes. “Single parents get hit with all three of the tax increases.” On the other hand, Trump gives a government match of up to $500 per year, per child, for parents who put money into a tax-preferred dependent care savings account. A match requires you to put $500 in an account per child. Because of the huge tax cuts for higher income families, Trump's plan would reduce federal revenue by up to $5.9 trillion over a decade. China will need to buy more US savings bonds to cover the gap since fewer wealthy person and corporations pay tax.

Avoid the Trump/Clinton tax increases: https://www.amazon.com/Your-Tax-FREE-Account-IRS-approved-shelter/dp/153735292X

Are you the 1% in your county?

You need only $97,000 income to be a 1-percenter in Holmes County, Miss., or Lamar County, Ala., or $108,000 in Grayson County, Va. You need income over $389,436 to be the average 1% in America. In Teton WY it takes over $2.2 million and growing. In Massachusetts, 1-percenters’ incomes jumped 130 percent from 1979 to 2013; they’ve increased by 112 percent in New York and 113 percent in New Jersey. In New Mexico, they’ve grown only 22 percent over the same period, and in Nevada, only 15 percent.

So the wealthy flock together and have been growing their wealth faster. The huge middle class has lost buying power since the 1970s. That may account for the populist era we are experiencing and the anger Trump is counting on to improve his personal wealth. The 1% has doubled its income since 1979 by capital accumulation and tax advantages we don’t have. The wealthy are not working harder – most of us are working two jobs just to keep up. 1%ers can double their pleasures by avoiding taxes AND compounding their assets. Compounding can double your wealth in 8-10 years.

Use compounding like they do: https://www.amazon.com/Miracle-Compounding-Turn-day-into/dp/1470176513

Special Needs child tax-FREE account

ABLE is a way to save $14,000 a year for anyone under age 26 blind or disabled without them losing their SSI benefits. IRS does not tax earnings in this account so it is like Roth IRA. Contributions to $14,000 can be made to an ABLE account on an annual basis up to $100,000, and tax-free distributions if used to pay qualified disability expenses. Check: http://www.ablenrc.org/ For those with greater lifetime needs a trust may help. Trust document available in book at https://www.nolo.com/products/special-needs-trusts-spnt.html. You can also use a Roth IRA to create a tax-FREE inheritance for your beneficiary.

No tax is due on the earnings. https://www.amazon.com/Your-Tax-FREE-Account-IRS-approved-shelter/dp/153735292X

GOP ‘trickle down’ economics failing so KS cancels its scorecard

The end of the council's economic assessment tool is an attempt to minimize public exposure of weaknesses in Brownback's program to build the state's economy by exempting 330,000 businesses from the income tax and reducing individual state income tax. "He specifically asked the council to hold him accountable through rigorous performance metrics," a critic said. "Five years later, the metrics clearly show his tax experiment has failed while business leaders and local chambers of commerce across the state openly ask him to change course." Schools and basic services have been cut to balance the budget since revenues have fallen. Koch Industries has taken its tax cut to other states to invest. Business does not expand because taxes are cut. There must be buyers and consumers with money. KS has proved ‘trickle down’ only works in state controlled economy like Russia and China. Wall Street is betting on Clinton’s plan to raise taxes on the wealthy and business. 79% of Americans favor her plan.

Avoid the tax increases: https://www.amazon.com/Create-Your-Tax-FREE-Financial-System/dp/1466367466

Pensions for public employees failing—Wall Street tricks don’t work

Dallas’s police and firefighters are quitting in droves, wagering that financial-market losses are about to render their promised pensions too good to be true. Pension managers made bets on Hawaiian villas, Uruguayan timber and undeveloped land in Arizona instead of a low-cost stock index fund. Hedge funds are closing after years of losing money over the last few years. In addition to poor investment decisions, contributions from cities, towns and states have been reduced; some to zero. NJ and IL are prime examples. The cost of borrowing money has risen since bond raters don’t see a future in cutting pensions and services. In November, Standard & Poor’s downgraded Dallas’s bonds by one step to AA, the third highest grade, citing the need to address the rising liability to the 9,600-member fund. 

Create your own tax-FREE supplement just in case: https://www.amazon.com/Your-Pension-Box-tax-FREE-employer/dp/1481945157

Are “fulcrum” fees in your mutual funds right for you?

Several mutual fund companies such as Fidelity, Janus, and Saturna Capital now use a special kind of performance-based fee structure, known as ‘fulcrum’ fees, in some or all of their funds. Fulcrum fees are modified hedge fund fees for index funds sold by salespeople. A base fee like 0.75 is assessed and then slides up or down depending on how well your fund did compared to its index. So if your fund fell -2% while the S&P 500, your fund index, fell -3%, you would be charged the higher fee. This means that if your salesperson sold you on an index called “smart beta” ETF (sounds cool) for large stocks, you might pay 0.85-1% because your fund lost LESS than the market index. Clearly, this is an attempt by wealthy fund companies to make their expensive funds more attractive by giving their customers the illusion of a price break from the hedge funds charging “2-and-20”—2% plus 20% of any gain. Fidelity and most funds have seen customers jumping to cheaper vehicles—namely Vanguard. Even Vanguard’s managed funds are cheaper than these ETFs since you don’t pay a salesperson—Vanguard’s registered reps are on salary. Morningstar: “cost is best predictor of success”

https://www.amazon.com/Pimps-Wall-Street-money-middlemen/dp/151525254X

GOP plans to win elections by limiting voting by Dems

Federal courts struck down restrictive voting laws in KS and WI where the court found “The Wisconsin experience demonstrates that a preoccupation with mostly phantom election fraud leads to real incidents of disenfranchisement, which undermine rather than enhance confidence in elections, particularly in minority communities.” TX courts struck down its suppression law in July. Voter impersonation fraud is essentially non-existent in practice and has virtually no chance of affecting an election even in theory. These requirements fall disproportionately on racial minorities and the poor. So these laws have racially disparate effects while providing negligible legitimate benefits. GOP has filled state houses with conservatives because only the die-hards vote in off year elections with the support of NRA and other GOP-leaning groups. Some observers see “a coordinated attack on democracy.” Others see a repeat of old GOP tactics with a twist. Clearly, without the Voting Rights Act and ‘conservative’ Federal courts, long lines may be the least price to pay for citizens of the USA to vote.  NC has continued to block voters despite their own Circuit striking the legislature’s suppression and Supremes’ NO. KS has refused to follow a court order to reinstate voters taken off the rolls by the GOP. FBI said hackers have attempted more intrusions into voter registration databases. If they are Putin’s men, you can guess which voters will be cut from the rolls.

If FL or OH have fewer Dems on voter lists, could Putin actually pick the winner?

Don’s Apology?: “Sometimes in the heat of debate, and speaking on a multitude of issues,   you don't choose the right words or you say the wrong thing. I have done that." 

Hill’s Apology?: “I just followed advice of Colin and other Sec. State before me.”

Don vs Hill 2016 – “debate” as reality TV show? Do Nothing Congress decide US future.

            “I guess I’m having an Aleppo moment,” Johnson joked when asked for name.

Don:    Ted’s 180: “I am not in the habit of supporting people who attack my wife and attack my father.” But like Christie I need a job next year.

            I pay Ted for my mailing list outreach—he needs money; I need Bible thumpers.

            I have been successful at business so I can save America; Fortune disagrees Marla Maples was not an affair like Gennifer Flowers with Bill. “Another planet”

            “They gave me a defective mic,” My mic was defective. I don’t sniffle.

            Giuliani: I wouldn't participate in another debate unless I was promised Hannity”

            ‘You are our country's only hope’ my email to foreigners. “It’s not illegal is it?” 

            If I did pay taxes, “It would be squandered, too, believe me.” So he does not pay?

            “I fight very hard to pay as little tax as possible.” Paid $0 in 1978 and 1979.

            “Another person would be in jail for that,” Jamilla Hawkins, NC debate observer

            “Raise your hand if you're not a Christian conservative. Should we keep them?”

Mike:   Don has answered ALL questions about his Foundation paying debt, political pay.

Hill:    I prepared for the debate. Even the Arizona Republic endorses me.

            I am sending Bill to FL to inspire the Black and Latino voters          

Tim:    GOP John Warner former Senator and Navy Dept helped me in VA

Regulators are the only protection we have since we can’t sue anymore

            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill                requires impossible: every person in class action suffer “same type and scope of injury”)

               Supremes stop us from suing—State courts no longer available to sue corporations!

Leon Cooperman Omega Advisors caught as part of an insider trading scheme. Jail?

Colin Whelehan caught insider trading on ADT Apollo Global deal for $24,000. Jail?

Merrill Lynch caught allowing fake trading causing "mini-flash crashes" for stocks.

Wells Fargo execs will not receive future stock awards; no cash returned; no jail.

Is your vendor honest: http://www.consumerfinance.gov/data-research/consumer-complaints/

IRS announced it will eliminate more than 7,000 jobs by 2024 so NO wealthy audited!

Feds go after Mylan for scamming Medicaid out of $ millions on EpiPen. UK pays $69

Wells Fargo whistleblowers fired in 2010; fraud known to 2010 execs—bonuses; no jail

Wells Fargo caught unlawfully repossessing servicemembers cars for seven years; no jail

Banco Santander SA improperly confiscated over 1,000 vehicles from military members

HSBC caught improper repossessions of 75 cars. Not liable; no jail

In 2012 Capital One fined improper seizures. “it might not be in compliance with law.”

BlackRock fund manager Mark Lyttleton caught profiting from insider trading

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own

Police want gun control.

When everyone has guns; your chance of being killed goes up. Police don’t know who to shoot. They assume everyone has gun hidden. You and real criminals both have guns.

If you are black, you get killed even with no gun, hands up, and after stun gunned. They assume you are a “bad dude”; don’t wait to find out. Later say “found PcP in car.” If you act erratically and ignore commands, you are “put down.”

MO just eliminated licensing and training for anyone to carry concealed weapon—crazy!

FL man called NRA group BEFORE victim died from “stand your ground” killing.

SCAMS

“Time for some traffic problems in Ft Lee”—Time for Christie impeachment?

Budweiser, now InBev  Belgium, renamed Bud beer “America” but all profits to Belgium

Wells Fargo exploited a binding arbitration clause to deflect customers' fraud allegations

Cybercriminals in Europe are offering their services for hire to Isis or countries who pay.

ignoramus Award: New laws to keep police videos away from public view—24 states

How our government wastes our money

We are paying $ millions for defrauding for-profit colleges to keep profits Apollo still

Each LCS costs $655 million but does not work and Austal boat built in Australia.

600 more troops to retake (3^rd time?) Mosul—we already trained Iraq to do this once.

Where have all the jobs gone?

Driverless trucks safer and cheaper so 3.5 million drivers need training for …

Student in Melbourne discovered way to kill superbugs without the use of antibiotics: "a breakthrough that could change the face of modern medicine" Drug company jobs gone!

IRS cuts more than 7,000 jobs by 2024 so NO wealthy audited!

Progressive to hire 1,300 IT developers, systems engineers, software engineers, managers

Manulife (J Hancock) hiring for new IT Lab of Forward Thinking in Singapore; Boston.

9 year old graduates HS; college to ‘prove God exists’ with astrophysicist degree!

Who owns your account now?

GM buyouts to 400 of its smallest U.S. Cadillac dealers—find a new mechanic

Jefferson National to Nationwide

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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