Multi-Industry Letter - S.J. Res. 33, Disapproving of DOL's Fiduciary Rule

Monday, May 23, 2016 - 5:30pm

TO THE MEMBERS OF THE UNITED STATES SENATE:

The undersigned associations, chambers of commerce, organizations, and small
businesses are writing to express our deep concerns regarding the U.S. Department of Labor’s
(DOL) final rule on the Definition of a Fiduciary. This rule disproportionately disadvantages
small businesses and those businesses with assets of less than $50 million, and stifle retirement
savings for millions of employees by placing additional burdens on America’s leading job
creators, small businesses. This will substantially reduce retirement savings for many
Americans, and therefore we urge you to support S.J. Res. 33.

On April 6, 2016, the DOL issued a final rulemaking that expands what is considered
fiduciary investment advice under the Employee Retirement Income Security Act (ERISA),
negatively impacting small business retirement plans and savers with less than $50 million in
assets. Through SEP IRAs and SIMPLE IRAs, small business owners and their employees have
accumulated approximately $472 billion of retirement savings covering more than 9 million U.S.
households.1 The DOL final rule threatens the continued success of these plans and the ability of
small businesses to provide retirement security at a time when millions of Americans have
reached or are approaching retirement age. Ultimately, it may even encourage additional saving
losses for those who will not be able to access meaningful investment assistance.

First, the final rule makes it harder to provide retirement plans to small businesses or any
business that has less than $50 million in assets (small plans). The broadened definition of
investment advice includes routine communications where no intention to provide individualized
fiduciary advice has been expected, such as “sales” communications and certain educational
materials. However, despite this broad definition, the proposal carves out large plan advisors
from this definition. If a fiduciary has $50 million or more in assets, the advisor to that large
plan is exempt from being a fiduciary, while an advisor to a fiduciary with less than $50 million
in assets, which primarily constitutes small businesses, is not.

Because an advisor to plans with less than $50 million are not carved out of the rule, the
advisor who is trying to market retirement savings option to a small plan is considered to be
providing investment advice and must determine how to comply with the rule. Due to these
additional burdens advisors to small plans are likely to incur additional costs, which will be
passed on to the plan. Further, some advisors to small plans may be incentivized to no longer
offer their services to small plans if they determine that the small-scale of such plans means the
expense and risk of changing business models and fee structures is not justified.

Second, advisors to small plans must either change their fee arrangement or qualify for a
special rule called an “exemption” in order to provide services on the same terms as before. The
new exemption called the “Best Interest Contract” incorporates many new challenging
1 See Investment Company Institute, “How Many Households Own IRAs,” based on year-end 2012 data, available at
Http://www.ici.org/faqs/faqs_iras.

conditions and requirements that would substantially increase costs for advisors that may
ultimately get passed down to small plans or small business employees.

Finally, the final rule limits investment education to IRA owners, including small
business employees participating in a SEP IRA or SIMPLE IRA plan. While advisors are
permitted to provide model asset allocations appropriate for IRA owners, they are not permitted
to help identify specific funds or investment options that correlate to the model asset allocations.
This restriction will make it more challenging for small business employees, and may ultimately
deter them from saving for retirement altogether.

More complex regulations mean more hurdles and compliance costs and a greater
likelihood of litigation. Main Street advisors will have to review how they do business and
likely will decrease services, increase costs, or both. Under the final rule, small business SEP
IRA and SIMPLE IRA arrangement will become more expensive to serve, meaning that small
businesses will ultimately lose access to their advisors and disproportionately bear the costs of
excessive regulation. Consequently the DOL’s fiduciary rule ultimately harms the very small
businesses and workers they are intended to protect. We strongly urge the Senate to take action
to help preserve retirement savings for Americans.

Sincerely,

1st Financial Investments, Inc. Clarks Summit PA
A. E. Hiller & Sons, Inc. Eagle Pass TX
Absolute Automotive Troy OH
Access Affordable Benefits, LLC Kissimmee FL
ACES Engineering Farmington NM
Advantage Insurance Network Westlake Village CA
Adventus Financial, LLC Bloomfield CT
AEM Mechanical Services, Inc. Hutchinson MN
Affordable Senior Benefits Oxford MA
Ahwatukee Foothills Chamber of Commerce Phoenix AZ
Airhart Construction Corp. West Chicago IL
Alamo Industries, Inc. El Paso TX
Albert Screenprint, Inc. Norton OH
Aldine Metal Products Corp. New Milford CT
Alhambra Chamber of Commerce Alhambra CA
Alro Enterprises, LLC Woodmere NY
Always Best Choice Hidalgo IL
American Fire Restoration, LLC Glendale NY
American Retirement Advisors Scottsdale AZ
Americas Attorney Service, Inc. Mesquite TX
Ameritas Investment Corp. Cross Plains WI
Ames Chamber of Commerce Ames IA

Andrik Financial Harlingen KS
Angeles Financial & Insurance Specialists Anaheim CA
Appleton Marine, Inc. Appleton WI
Aptus Columbus OH
Ashland Area Chamber of Commerce Ashland OH
Association for Corporate Growth Chicago IL
Association of Washington Business Olympia WA
Atlas for Educators, LLC Goshen IN
Avtec, Inc. Lexington SC
Baker Boy Bake Shop, Inc. Dickinson ND
Bartolomeo & Perotto Funeral Home Rochester NY
Basic Resources, Inc. Modesto CA
Bay City Chamber of Commerce Bay City TX
Baytown Chamber of Commerce Baytown TX
Bellbrook-Sugarcreek Area Chamber of Commerce Bellbrook OH
Bellevue Chamber of Commerce Bellevue WA
Ben Sims Financial Group Okeechobee FL
BG Grace Financial Group Matthews NC
Billings Chamber of Commerce Billings MT
Bontrager's Surplus, Inc. White Pigeon MI
Bowen Insurance Agency Raleigh NC
Brackney, Inc. Brookville IN
Bredahl Plumbing, Inc. Maple Grove MN
Brink Grain, Inc. Sandoval IL
Bryan W. Cook, CFP Huntington Beach CA
Bryon Holz & Associates Brandon FL
Buckeye Valley Chamber of Commerce Buckeye AZ
Bushelman Supply Cincinnati OH
Buttelman & Associates West Palm Beach FL
C. L. Winger, LLC Hagerstown MD
Canton Area Chamber of Commerce Canton IL
Canyon Small Animal Hospital Caldwell ID
Car-Tech Automotive Belleville IL
Catoosa County Chamber Ringgold GA
Cavalier Associates Westlake Village CA
CC Owen Tile Company, Inc. Jonesboro GA
Celli's Cycle Center Scottsbluff NE
Centaurus Financial, Inc. Dedham MA
Central Financial Group Agent Alfred Beaty Des Moines IA
Central Financial Group Agent Amber Blome Huxley IA
Central Financial Group Agent Andrea Wilcox Des Moines IA

Central Financial Group Agent Andrew Jansen Huxley IA
Central Financial Group Agent Chad Monson Phoenix AZ
Central Financial Group Agent Clayton Cheney West Des Moines IA
Central Financial Group Agent Craig Carlson Des Moines IA
Central Financial Group Agent Dean Wood West Des Moines IA
Central Financial Group Agent Douglas Marlow Algona IA
Central Financial Group Agent Genie Kmicinski West Des Moines IA
Central Financial Group Agent Gerald Behnkendorf Algona IA
Central Financial Group Agent James Flaherty Fort Dodge IA
Central Financial Group Agent Jamie O'Neall Algona IA
Central Financial Group Agent John Burns West Des Moines IA
Central Financial Group Agent Margie Branam Des Moines IA
Central Financial Group Agent Matthew Wilcox West Des Moines IA
Central Financial Group Agent Merle Boeve West Des Moines IA
Central Financial Group Agent Patrick O'Rourke Fort Dodge IA
Central Financial Group Agent Paul Hauser Hampton IA
Central Financial Group Agent Ricky Kiel West Des Moines IA
Central Financial Group Agent Robert Hattery Nevada IA
Central Financial Group Agent Roxanne Kirsch Algona IA
Central Financial Group Agent Scott Kass Spencer IA
Central Financial Group Agent Shelley Bilyeu Algona IA
Central Financial Group Agent Sonja Gonzalez West Des Moines IA
Central Financial Group Agent Steven Heddinger Fort Dodge IA
Central Financial Group Agent Sue Murphy Algona IA
Central Financial Group Agent Terese Culbertson Algona IA
Central Financial Group Agent Thomas Campbell West Des Moines IA
Central Financial Group Agent Thomas Vautier Algona IA
Central States Roofing Ames IA
Cerritos Regional Chamber of Commerce Cerritos CA
Chandler Chamber of Commerce Chandler AZ
Chester County Chamber of Business & Industry Malvern PA
Chicago Southland Chamber Orland Park IL
CIB Curtis Insurance Brokerage Dayton OH
Clear Fork Materials, Inc. Aledo TX
Clear Sailing Investment Group Simpsonville SC
Client First Financial Services West Point GA
Clients First Financial Senior Consultant Mark
Rowlette
Hingham MA
CliftonLarsonAllen Wealth Advisors, LLC Joliet IL
CMC Commodity Transport Hamptonville NC
Columbus Area Chamber of Commerce Columbus NE

Commerce Lexington, Inc. Lexington KY
Common Sense Insurance Lake Forest CA
Comprehensive Financial Planning Lake Mills WI
Conveyors, Inc. Mansfield TX
Corporate Message Services, Inc. Savannah GA
Covolo Auto-Farm Service Mountian View WY
CP Winston Winston-Salem NC
Crave Brothers Farm, LLC Waterloo WI
Curran Group, Inc. Crystal Lake IL
Curry Veneer Sales Floyds Knobs IN
D&G Timber, Inc. Montgomery IN
Dan Hirth Insurance & Investment New Ulm MN
Dave Williams Insurance Agency Albuquerque NM
DBK Group, Inc. Tamarac FL
DeBourgh Manufacturing Company La Junta CO
Diamond Pacific Tool Corporation Barstow CA
Diemold Tool, Inc. Shakopee MN
DMI Marketing Norwell MA
Don Carlos Insurance Agency, Inc. Greenfield IA
Downey-Goodlein Elevator Corp. Rochester NY
Dunhill Insurance San Diego CA
Eastern Iowa Financial Group Cedar Rapids IA
Eastern Steel Corporation Brooklyn NY
Eau Claire Chamber of Commerce Eau Claire WI
Edwards Insurance Agency Spokane WA
El Centro Area Chamber of Commerce El Centro CA
Elizondo Financial Solutions Harlingen TX
Ellowitch3, LLC Roseland NJ
Eminent Wealth Management Melville NY
EMP Financial Scottsdale AZ
Employee Benefit Professionals Oklahoma City OK
Engineered Systems Hilton Head SC
Environmental Construction Group, Inc. Albion NY
Envision Machine Holland MI
Eye Kraft Optical, Inc. Saint Cloud MN
FACES DaySpa Hilton Head SC
Farm Bureau Agent Freddy Pitts Madison FL
Farmers Insurance Agent Bill MacArthur Newport News VA
Farmington Regional Chamber of Commerce Farmington MO
Felix Martinez M.D. Manhattan KS
Fenstra Insurance Willmar MN

Fifth EMAC Variety, Inc. Grass Valley CA
Financial Services, Inc. Spirit Lake IA
First American Bank Naples FL
First Financial Group Advisor Gary Larson Joplin MO
First Financial Group of Largo Largo FL
Florida Gulf Tax Advisors Fort Myers FL
Foremost Logistics, LLC Reno PA
Fortitude Wealth Planners, LLC Traverse City MI
Frederick R. Shores & Associates East Hampton CT
Fremont Area Chamber of Commerce Fremont NE
Friedman Associates Virginia Beach VA
G&R Stores, Inc. Markle IN
Gage Personnel West Reading PA
Galion-Crestline Area Chamber of Commerce Galion OH
Gallen Financial Services, LTD. West Reading PA
Gary Riso & Associates Inc. Tempe AZ
Gateway Chambers Alliance Cerritos CA
Geetings, Inc. Pella IA
Geist and Associates Denver CO
Gerber Insurance Agency Needham MA
GH MUELLER, LLC Bloomington MN
Golden Road Pavers, LLC, dba A&A Manufacturing Spring Lake MI
Granite Financial Solutions Laurens IA
Greater Augusta Regional Chamber of Commerce Fishersville VA
Greater Cheyenne Chamber of Commerce Cheyenne WY
Greater Conejo Valley Chamber of Commerce Westlake Village CA
Greater Franklin County Chamber of Commerce Hampton OH
Greater Idaho Falls Chamber of Commerce Idaho Falls ID
Greater Irving-Las Colinas Chamber of Commerce Irving TX
Greater Oak Brook Chamber of Commerce Oak Brook IL
Hansen Financial Services, Inc. Okemos MI
Harlan Vance Company Normail IL
Harlingen Chamber of Commerce Harlingen TX
Harrisburg Regional Chamber & CREDC Harrisburg PA
Hauser Financial Group Hampton Iowa IA
Hawkins Agency Pascagoula MS
Hayes Consultants, LLC Kansas City MO
Haynes Financial Group San Diego CA
Herose 4Me, Inc. Santa Clara CA
Hess Pumice Products, Inc. Malad City ID
Hialeah Meter Company Hialeah FL

Highland Park Chamber of Commerce Highland Park IL
Highmark Kitchen and Stone Casper WY
Hilton Insurance Services Boone IA
HIS Corporation Bay Springs MS
Hodell-Natco Industries, Inc. Valley View OH
Holland Transfer Company Statesville NC
Home Instead Senior Care Burbank CA
Honor Building Supply Honor MI
Hopkins, Inc. Scott Depot WV
Horizontal Boring & Tunneling Company Exeter NE
Householder Group Estate & Retirement Planning Scottsdale AZ
Hudson County Chamber of Commerce Jersey City NJ
Ibeling Insurance Services Ackley IA
Illinois Chamber of Commerce Springfield IL
Independent Agent Robert Schmitz Harlan IA
Independent Capital Management San Diego CA
Independent Financial Solutions, Inc. Stuart FL
Independent Insurance Advisor Joseph Anthes Hopatcong NJ
Independent Oil Company Hillsboro TX
Industrial Tool, Inc. Minneapolis MN
Insurance & Business Planning, Inc. Evansville IN
Insurance Agent Wesley Bienvenu New Iberia LA
Insurance Planning, Inc. Hays KS
Integrity Advisors Pension Consultants Rye Brook NY
Integrity Financial Longview TX
Integrity Tool, LLC Lester Prairie MN
International Roofing Corp. Richmond VA
Investment Center at Crossroads Bank Wabash IN
Investors Capital Corp. Advisor Bruce Falco Henderson NV
Investors Capital Corp. Advisor Gerald Bonner Whitinsville MA
Investors Capital Corp. Advisor Nina Jessee Abingdon TN
Investors Capital Corp. Advisor Steven Blanchard Scarborough ME
IPI Financial Services Hays KS
J W Cole Financial Advisor Clifford Harro Annville PA
J W Cole Financial Advisor Monia Busch Kingman AZ
J W Cole Financial Advisor William Downing Wimberley TX
J. Alden Assoc., Inc Jenkintown PA
Jamestown Area Chamber of Commerce Jamestown ND
JCM Industries, Inc. Nash TX
Jefferson Chamber of Commerce Metairie LA
Jelsema Concrete Kentwood MI

JLine Financial Denham Springs LA
John G. Brinkworth, Inc. New Albany IN
Johnsons Wealth Management, LLC Douglasville GA
Joliet Region Chamber of Commerce & Industry Joliet IL
JRS Farms, Inc. Scio OR
Judith Ladonis Agency, State Farm Allentown PA
Junction Industries Ft. Worth TX
K.J. McCoy Financial, LLC Seekonk MA
Kalispell Chamber of Commerce Kalispell MT
Kalos Financial Alpharetta GA
Kansas Grain and Feed Association Topeka NY
Kentucky Chamber of Commerce Frankfort KY
Kesemann Tool & Die, Inc. Concordia MO
Kimball Sand Company, Inc. Mendon MA
Kitsap Physical Therapy & Sports Clinics Silverdale WA
Klamath County Chamber of Commerce Klamath Falls OR
Klapec Trucking Company Reno PA
Klein Farm Equipment, Inc. Seymour IL
Kobo Advisory, LLC South Pasadena CA
Kosmider & Associates Streetsboro OH
Krapf Bus Companies West Chester PA
Krowicki Orthodontics Lebanon NJ
L.E. Johnson Products, Inc. Elkhart IN
Lafayette Heating & Cooling Lafayette IN
Lake Houston Area Chamber Humble TX
Lake Zurich Area Chamber of Commerce Lake Zurich IL
Lander Development, LLC Oil City PA
Lashley, Cohen and Associates, Inc. Lawrenceville GA
Lasting Legacy Financial Westerville OH
Lawrence F. Kolasa, CLU, ChFC, LLC Birmingham MI
LBA Group, Inc. Greenville NC
Leavenworth Chamber of commerce Leavenworth WA
Legacy Estate Partners West Des Moines IA
LFG Advisors Plymouth MA
LG Enterprises, LLC Greenwich CT
Liftmoore, Inc. Houston TX
Lions Eye Bank of NW PA, Inc. Erie PA
Long Island Carpet Cleaners, Inc. Glendale NY
Longview Chamber of Commerce Longview TX
Lopez Tax Service, Inc. Salinas CA
Los Angeles Area Chamber of Commerce Los Angeles CA

Loudoun County Chamber of Commerce Lansdowne PA
Lougee Insurance Agency Duxbury MA
Louisiana Association of Business and Industry Baton Rouge LA
Lunsford companies Tucson AZ
MacConnell Automotive Company Plainville KS
Magellan Financial Topeka KS
Magellan Financial Advisor Kirk Cox San Clemente CA
Magellan Financial Advisor Richard Roethel Salt Lake City UT
Magna Steel Beacon Falls CT
Magnolia Parkway Chamber of Commerce Magnolia TX
Marinita Development Company Newport Beach CA
MarketMaxx Coral Springs FL
Marquis Homes & Company Raleigh NC
MassMutual Agent Edward Vespa Syracuse NY
Maxeta Technologies Skillman NJ
McCarville Financial Network Fort Dodge IA
McLean County Chamber of Commerce Bloomington IL
Medley's Auto & Truck Repair Louisville KY
Merle Dunkelberger, CPA Wernesville PA
Merritt Equipment Company Henderson CO
Metropolitan Glass Company Manchester MO
MHS Industrial Supply Mansfield OH
Middendorf Insurance Associates Clive IA
Miles Truck Services, Inc. Elkhart IN
MJJ INsurance Agency, Inc. Southlake TX
Monroe Chamber of Commerce Monroe LA
Montana Chamber of Commerce Helena MT
Moore's Pharmacy, Inc. Sinton TX
Morrison Funeral Home, Inc. Oil City PA
Mtn States Heavy Haul Grand Junction CO
Murray Securus Lancaster PA
National Association of Mutual Insurance Companies Washington DC
National Black Chamber of Commerce Washington DC
National Electrical Contractors Association Bethesda MD
National Grain and Feed Association Washington DC
National Investors Lubbock TX
Nature Coast Wealth Management Services, LLC Spring Hill FL
Neal Insurance Agency, Inc. Mishawaka IN
Neumayr Lumber Attica IN
Never Lose Financial Fort Wayne IN
New York Life Insurance Agent Garofalo Newtown CT

New York Life Insurance Agent Jonathan Koepke Boulder CO
New York Life Insurance Agent Mary Patricia
Brennan
Mason OH
New York Life Insurance Agent Michael Zorn Bismark ND
NEXT Financial Group Hunt Valley MD
North American Insurance Agency, Inc. Worcester MA
North Hennepin Area Chamber of Commerce Osseo MN
North Orange County Chamber Fullerton CA
Northern Kentucky Chamber of Commerce Ft. Mitchell KY
Northwestern Mutual Englewood CO
Oceanside Chamber of Commerce Oceanside CA
Olivier and Bienvenu New Iberia LA
Oshkosh Chamber of Commerce Oshkosh WI
Oxford Financial Suffield CT
Oxnard Chamber of Commerce Oxnard CA
Padilla Insurance Topeka KS
Pelican Group Financial Services Jackson NH
Pennsylvania Chamber of Business and Industry Pennsylvania PA
Peoples Choice Wealth Solutions Humble TX
Perfect Business Services, Inc. McKinney TX
Personal Financial Services, LLC Bloomington IN
Pinnacle Retirement Group Jupiter FL
Pocatello-Chubbuck Chamber of Commerce Pocatello ID
Pondera Financial Group Ridgeland MS
Port Gibson Hardware & Lumber Co., Inc. Port Gibson MS
Portenga Manufacturing Company Ferrysburg MI
Premier Financial Franklin TN
Premium Machine & Tool, Inc. Lyons MI
Premium Resources Indianapolis IN
Principal Agent Anthony Petro Peachtree Corners GA
Princor Mansfield OH
Protective Life Dallas TX
Pugil Houston TX
Puyallup Sumner Chamber of Commerce Puyallup WA
Pyramid Plumbing Garden City KS
R. M. Palmer Company West Reading PA
Raasch Financial Omaha NE
Ralph Moyle, Inc. Mattawan MI
Rand's Towing Service, Inc. Shrewsbury MA
Ray Quint & Assoc., Inc. Dubuque IA
Reed Machinery, Inc. Worcester MA

Regional Chamber of Commerce-San Gabriel Valley Rowland Heights CA
Retirement Benefit Advisors, LLC Sand Springs OK
Retirement Planning Association Feeding Hills MA
Rice Lake Chamber of Commerce Rice Lake WI
Rich Duncan Construction, Inc. Salem OR
RJW, Inc. Independence OH
RML Financial Swansea MA
Robert Avery and Associates, Inc. Denver CO
Rochester Overnight Plating, LLC Rochester NY
Rocket Oil Company Madisonville KY
Rockwall Area Chamber of Commerce Rockwall TX
Rocky Mountain Crane Service, Inc. Salida CO
Root Brothers Farms Albion NY
Rubino and Liang, LLC Newton MA
Russell County Chamber of Commerce Jamestown KY
SacRiver Capital Redding CA
SagePoint Finnacial Taunton MA
Salem Area Chamber of Commerce Salem OR
San Antonio Hispanic Chamber of Commerce San Antonio TX
San Saba Royalty Company Dallas TX
Satellite Tool & Machine Co., Inc. South Windsor CT
Saxon Financial Services Cincinnati OH
Schmidt Boucher Financial Group Portage WI
Schmuck Lumber Co., Inc. Hanover PA
Seasons 4, Inc. Atlanta GA
Securities America Surprise AZ
Selhorst Concrete, Inc. Coldwater OH
Senior Tax & Insurance Advisors Leander TX
Sensible Retirement Strategies Redmond WA
Servant Advisors Group Memphis TN
ServiceMaster Pittsburgh PA
Shaffer Enterprises Aliquippa PA
Shawnee Service Garage, Inc. Wilmette IL
Siemer Distributing Co., Inc. New Lexington OH
Simon & Simon Financial, LLC Covington LA
Sisk & Associates Chicago Heights IL
Small Business & Entrepreneurship Council Vienna VA
Sooner Pharmacy Norman OK
Sora Global, LLC Coral Gables FL
South Salt Lake Chamber of Commerce South Salt Lake UT
Southern Keystone Services Alpharetta GA

Southern Tier Insulation Endicott NY
Sparkly Cleaning Services, Inc. Hackensack NJ
Spectra Financial Elk Rapids MI
Sports Tutor, Inc. Burbank CA
St. Cloud Reliable Insurance Agency, Inc. Waite Park MN
Star Leasing Company Columbus OH
State Farm Agent Charles Palmer Scotia NY
State Farm Agent Coe Bancroft Glastonbury CT
State Farm Agent Dale Viniard Crestwood KY
State Farm Agent Damien Ocampo Socorro NM
State Farm Agent John Beasley Spokane WA
Stephen Bader Co., Inc. Valley Falls NY
Sterling Wire Products, Inc. Rock Falls IL
Stone City Products Bedford IN
Stonehenge Advisor Group, LLC Schwenksville PA
Straber Oil Co., Inc. Batesville IN
Strategic Financial Group Penn Laird VA
Strategic Retirement Planning Miami Beach FL
Stubbs & Associates Cleveland Ohio OH
Sturtevant, Inc. Hanover MA
Summers-Taylor, Inc. Elizabethton TN
T & C Construction Houston TX
Teleplex Pittsburgh PA
Tempe Chamber of Commerce Tempe AZ
Templeton Marketing Albuquerque NM
Texas Association of Business Austin TX
Texas Cowboy Travel, Inc. Flower Mound TX
Textruss Austin Texas TX
The Bollinger Group Coral Springs FL
The Chamber Grand Forks/East Grand Forks Grand Forks ND
The Latino Coalition Washington DC
The National Grocers Association Arlington VA
The Optimus Group Clifton Park NY
The Visper Group Worcester MA
Thompson Diesel, Inc. Oklahoma City OK
Thrivent Financial Miami FL
Tim Louzy Insurance & Investment Services Boynton Beach FL
Total Biz Fulfillment, Inc. Grantsville MD
Transamerica Financial Advisors Hays KS
Trate Financial Management Fogelsville PA
Trevco Troy MI

TriCity Association of Realtors Kennewick WA
True Wealth Associates La Mesa CA
Tucson Metro Chamber of Commerce Tucson AZ
U.S. Chamber of Commerce Washington DC
Udeshi Financial Framingham MA
US Insurance Auditors Boca Raton FL
Uvalde Area Chamber of Commerce Uvalde TX
Vernal Area Chamber of Commerce Vernal UT
Victoria Chamber of Commerce Victoria TX
Vimont Builders, Inc. Lexington KY
Vip Rubber Co., Inc. La Habra CA
Virginia Hispanic Chamber of Commerce Richmond VA
Voya Financial Advisors Representative Richard
Drew
Newtonville MA
Voya Financial Advisors Representative Denise Amos Indianola IA
VVS, Inc. Cozad NE
W.N. VanAlstine & Sons, Inc. Cohoes NY
Watson Agency, Inc. Cicero IA
Wealth Management Resources McMurray PA
Weiss Financial Carmel IN
Wellsville Area Chamber of Commerce Wellsville NY
Werner Financial Group Luxemburg WI
West Virginia chamber of Commerce Charleston WV
Western Electrical Contractors Association Sacramento CA
WFS, Inc. Fishers IN
White Pine Chamber of Commerce Ely NV
Whitehill Insurance Services McPherson KS
Wilkerson Enterprises Urbandale IA
Wiseheart Ins. Services, Inc. Bailey MI
Wolfe's Auto Service Manheim PA
Woodrow Engineering Company Sister Bay WI
Yankton Area Chamber of Commerce Yankton SD