2 INTRODUCTION AT A GLANCE With roots dating back to 1871, Marsh & McLennan Companies is today a unique group of businesses with many enduring competitive advantages. Among them are the quality of our colleagues, deep client relationships, vast global footprint, depth of intellectual capital, and cohesive and collaborative culture. Our 57,000 colleagues around the world are united in purpose and action for the benefit of clients, shareholders, and society. Each day, we work to deliver exceptional value, helping businesses thrive and address the challenges and opportunities of our time. It s a powerful story. Our businesses are growth businesses. Our culture is founded on integrity, respect, teamwork, and excellence; and this core set of values and beliefs guides us in everything we do. DAN GLASER, PRESIDENT AND CEO MARSH & McLENNAN COMPANIES
3 What began as a small insurance agency in Chicago in 1871 has grown into a global professional services firm serving clients in more than 130 countries.
4 AT A GLANCE MARSH & McLENNAN COMPANIES Our Scale and Scope We are four companies Marsh, Guy Carpenter, Mercer, and Oliver Wyman with one purpose: helping our clients meet the challenges of our time. Clients in more than 130 countries 57,000 colleagues globally Annual revenue of $13 billion One of the Fortune 250 companies 140+ year history of leadership and innovation
5 WE ARE GLOBAL LEADERS IN RISK STRATEGY PEOPLE
6 WHO WE ARE AT A GLANCE Marsh & McLennan Companies is a global professional services firm with two operating segments, Risk & Insurance Services and Consulting, comprising four major companies, each a global leader in its field. Risk & Insurance Services Insurance broking and risk management Reinsurance and intermediary advisory services Consulting Talent, health, retirement, and investment consulting Management, economic, and brand strategy consulting
7 OUR EXECUTIVE LEADERSHIP TEAM Our leaders are accountable for meeting our strategic priorities. They act in the best interests of our clients, colleagues, and shareholders. Their decisions and interactions reflect the strong collaborative, cohesive culture of our firm. DANIEL S. GLASER President and CEO Marsh & McLennan Companies Seated, from left: Dan Glaser, Laurie Ledford, Julio Portalatin, Peter Beshar. Standing, from left: Scott Gilbert, Mike Bischoff, Scott McDonald, Peter Zaffino, Alex Moczarski. PETER J. BESHAR E. SCOTT GILBERT SCOTT McDONALD JULIO A. PORTALATIN EVP and General Counsel SVP and Chief Risk & Compliance Officer Chief Executive Officer President and CEO Marsh & McLennan Companies Marsh & McLennan Companies Oliver Wyman Group Mercer J. MICHAEL BISCHOFF LAURIE LEDFORD ALEXANDER S. MOCZARSKI PETER ZAFFINO Chief Financial Officer SVP and Chief Human Resources Officer President and CEO President and CEO Marsh & McLennan Companies Marsh & McLennan Companies Guy Carpenter Marsh
8 AT A GLANCE OUR PEOPLE BRING THE BEST IDEAS FORWARD There s a greater purpose to our work. Individually, and as an enterprise, we are here to make a difference. Our purpose is to make a meaningful difference for the benefit of our clients, colleagues, shareholders, and society by helping to address the greatest challenges of our day. Our actions are grounded in foundational commitments, shared across our enterprise: ENABLING CLIENT SUCCESS We put our clients first, empathize with them, anticipate their needs, and act as their trusted advisors. FINDING THE SMARTER WAY We encourage innovation, creativity, and always challenging the status quo. WORKING SIDE BY SIDE We collaborate across our diverse teams, business units, and global offices to harness our greater collective intelligence. LIVING THE GREATER GOOD We act with integrity in all that we do and are committed to building trust and ensuring the prosperity of our colleagues, clients, shareholders, and communities.
9 Operating at the intersection of risk, strategy, and people, we partner with our clients to address their complex challenges. Our approach is unique in the industry. That s THE MMC ADVANTAGE. AS A COMPANY, WE... Are committed to being a responsible corporate citizen. Encourage our colleagues to volunteer their time and talents in support of communities and people at risk in the places where we live and work. Are dedicated to fostering a vibrant, inclusive, and diverse culture at work, in which every voice is heard. RISK THE MMC ADVANTAGE STRATEGY Are expanding our initiatives to conduct business in a way that protects the environment and creates an environmentally conscious workplace for our colleagues. PEOPLE
10 AT A GLANCE WHAT OUR CLIENTS ARE SAYING Marsh & McLennan Companies is a key professional services partner for Dell, providing best-in-class solutions for risk, human capital, and strategy. Michael Dell Chairman and CEO, Dell Inc.
11 US Steel has worked closely with Marsh & McLennan on risk, strategy, and human capital issues throughout the tenure of our relationship, which has existed for more than 100 years. Over that period, Marsh & McLennan has provided critical advice and insight that helps manage risks, costs, and growth in increasingly complex business environments. US Steel
13 LEARN ABOUT OUR COMPANIES, EACH ONE A GLOBAL LEADER
14 AT A GLANCE Marsh delivers insurance brokerage, intermediary, and risk advisory services to clients across the world. Marsh s clients vary by size, industry, geography, and risk exposures. With 17 industry practices and 17 risk and specialty practices, Marsh is organized to serve clients efficiently and effectively, delivering tailored solutions based on complexity of the risk and global footprint and matched to clients buying styles. Guy Carpenter serves clients around the world through reinsurance broking, strategic advisory, and industry-leading analytics. The firm has been at the vanguard of the reinsurance broking industry for more than 90 years. Strong line-of-business insights and deep market knowledge make Guy Carpenter a reinsurance industry leader.
15 Mercer is a global consulting leader in talent, health, retirement, and investments. The company helps clients around the world advance the health, wealth, and performance of their greatest asset their people. Mercer tailors solutions to specific employer and employee needs, helping clients answer questions across Mercer s lines of business: for Health how to offer increasingly personalized benefits while reducing costs for employer and employee alike; for Retirement how to manage pension risks and assure employees can maximize their wealth creation opportunities; for Talent assuring clients have the most dynamic solutions for managing a workforce that is rapidly changing; and for Investments using the power of our expertise, data, and analytics to provide market-leading investment strategies. Oliver Wyman is a leading global management consulting firm that combines deep industry knowledge with specialized expertise in strategy, operations, risk management, and organization transformation. The firm helps clients optimize their businesses, improve their operations and risk profile, and accelerate their organizational performance to seize the most attractive opportunities. Oliver Wyman s thought leadership is evident in its agenda-setting books, white papers, research reports, and articles in the business press. The firm s capabilities and intellectual capital are enhanced by its deep industry expertise, geographic range, analytical rigor, and handson, collaborative approach.
16 AT A GLANCE COMPANY TIMELINE For over 140 years, Marsh & McLennan Companies has enabled enterprise, helping our clients realize new possibilities in changing times. After the Great Chicago Fire, with few properties insured and most insurers unable to meet their obligations, an agency that stresses financial responsibility is clearly needed. Within weeks, the Dan H. Bomar Company opens its doors. 1900s Henry Marsh introduces the period s industrial titans to the concept of risk management, the idea that one should not simply insure against risk but proactively seek to reduce it. Marsh solicits and wins the business of some of the world s largest companies, including US Steel. Donald McLennan embarks on a journey to better understand railroad risks, spending 30 consecutive nights on a sleeper as he crisscrosses the US. He wins the business of the Northern Pacific and Great Northern railroads. In Chicago, Marsh, McLennan, and Daniel M. Burrows meet and form a partnership. On December 22, 1904, with annual premiums of $3 million, Burrows, Marsh & McLennan becomes the world s largest insurance broker. In 1906, Burrows retires, the firm is renamed Marsh & McLennan, and a legendary partnership begins. Henry Wheelwright Marsh drops out of Harvard, moves to Chicago, and joins Bomar s successor firm, the Robert A. Waller Company. Marsh pioneers the concept of the broker as buyer rather than seller of insurance. In Duluth, Minnesota, Donald Roderick McLennan joins the real estate and insurance office of Stryker, Manley & Buck as an assistant in the railroad insurance department.
17 1930s During the Great Depression, the Company stands by its employees, refusing to put anybody out of work. When conditions improve, national and international expansion of the firm continues. Following the passage of the Social Security Act of 1935, the pension and benefits business begins to grow in importance. In 1938, Marsh & McLennan hires its first two actuaries. 1940s 1950s As the US gears up for World War II, the Company fields inquiries from brokers about government defense programs and serves as a resource for clients involved in large defense projects. Marsh passes away in April 1943 at the age of 82. McLennan dies little more than a year later, in October 1944, at the age of 72. In the post-war years, increasing consumer credit and the blossoming auto industry are boons, as the Company secures business with America s Big Three automakers and develops insurance products for home appliances, cars, and the banks that are helping to fund Americans new purchases. In Canada, 26-year-old William M. Mercer successfully launches a new kind of pension plan for his employer and then strikes out on his own to form a pension and group insurance consulting business. In 1959, Mercer joins Marsh & McLennan, his business greatly augmenting the existing benefits and pension practice. 1920s In Atlanta, Guy Carpenter pioneers a new rating method that relies on a ratio of losses to premiums over a period of time. His Carpenter Plan impresses both Marsh and McLennan. In 1923, just one year after the formation of Guy Carpenter & Company, the organization is merged into Marsh & McLennan.
18 AT A GLANCE COMPANY TIMELINE (CONTINUED) Seeking to position itself for further acquisitions and growth abroad, the Company begins to explore public ownership. In March 1962, Marsh & McLennan Companies goes public with revenue of $52 million and net income of $5 million. The same year, it begins to form relationships with leading European brokers. Within a decade, relationships are established in more than 50 countries, setting the stage for global growth. 1970s In 1970, financial services firm Putnam Investments is acquired. Significant changes to legislation around employee benefits, including the Employment Retirement Income Security Act (ERISA) in 1974, present business opportunities. To take advantage of the changes, the employee benefits and pension consulting practices at Marsh & McLennan Companies are reorganized into a distinct entity, William M. Mercer, Inc. 1980s In 1980, Marsh & McLennan Companies merges with London insurance broking partner C.T. Bowring & Co. Ltd. This paves the way for a market-leading presence in nearly every industrialized country in the world. In 1983, Marsh & McLennan Companies makes its first nonbroking acquisition in a decade: National Economic Research Associates (NERA) is added; in 1986, Lippincott, the brand strategy and design consultancy, follows. In the mid-1980s, Marsh & McLennan Companies revenue exceeds $1 billion for the first time. The Company follows this milestone with greater innovation and more acquisitions. In addition, Marsh & McLennan Companies helps to create new capacity in the excess liability market, participating in the formation of ACE Insurance Company and XL Insurance Company.
19 On September 11, 2001, the darkest day in Company history, 295 colleagues and 63 business associates perish in the terrorist attacks at the World Trade Center. The profound loss of our colleagues will always be part of the Company s story. The 2003 acquisition of Oliver Wyman & Company, a leading international management consulting firm, rounds out professional services offerings. Synergies between this business and portions of Mercer s consulting business lead to their integration with Mercer Management and Mercer Delta, acquired in s Marsh & McLennan Companies continues to expand its reach, both organically and through acquisition. Several major international acquisitions in Europe, South America, and the Middle East contribute to this growth In early 2004, Marsh & McLennan acquires Kroll, the risk consulting and mitigation firm. In the wake of a complaint filed by the New York State Attorney General in 2004, the Company is faced with litigation matters and regulatory investigations that divert management resources and ultimately result in changes to the Company s business model. In late 2007, the Board of Directors determines that a change in leadership would best enable Marsh & McLennan Companies to move forward and enhance shareholder value. Additionally, in 2007, the firm sells Putnam Investments Today With a new leadership team in place under then CEO Brian Duperreault, the Company begins a turnaround. Navigating the toughest economic climate since the Great Depression, margins improve, the insurance broking segment returns to profitability, and operations stabilize. Kroll is divested in 2010, further streamlining the corporate portfolio. In 2011, the Company introduces a comprehensive, non-negotiable Code of Conduct for its more than 50,000 colleagues called The Greater Good. In January 2013, Dan Glaser becomes President and CEO of Marsh & McLennan Companies, with a leadership philosophy focused on growth, accountability, and creating value for clients, colleagues, and shareholders. In the spirit of our founders, Henry Marsh and Donald McLennan, the Company continues to strive for excellence and innovation in all of its endeavors.
AT A GLANCE INTRODUCTION AT A GLANCE With roots dating back to 1871, Marsh & McLennan Companies is today a unique group of businesses with many enduring competitive advantages. Among them are the quality
COMPENSATION GUIDE FOR US CLIENTS ABOUT MARSH Marsh is a global leader in insurance broking and risk management. Marsh helps clients succeed by defining, designing, and delivering innovative industry-specific
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event
An update from Program Managers Solutions March 31, 2013 POISED FOR GROWTH GUY CARPENTER S EIGHTH ANNUAL SPECIALTY INSURANCE PROGRAM ISSUING CARRIER SURVEY, 2012 As a result of, or in some cases in spite
SEPTEMBER 2012 TALENT ASSESSMENT IN M&A THE PEOPLE FACTOR It is critical to assess the target company s human capital with the same rigor that s applied toward assessing pension liabilities, inventories,
Premier Capital Advisors Investment Banking Mergers & Acquisitions Premier Capital Advisors Profile Overview Operating Philosophy Overview Premier Capital Advisors (www.premcap.com) is a leading middle
Organizational Effectiveness GLOBAL BUSINESS SERVICES THE NEXT LEVEL OF TRANSFORMATION FOR YOUR SUPPORT FUNCTIONS? 2 The role of the Corporate Center and support functions continues to evolve in an economic
Michael C. Waters, CEBS, SVP The Business of Medicine Putting Marsh To Work For You The Strength of Marsh & McLennan Companies Marsh Insurance Brokerage, Intermediary and Risk Advisory Services Guy Carpenter
An update from Program Managers Solutions July 2015 POISED FOR GROWTH GUY CARPENTER S NINTH SPECIALTY INSURANCE PROGRAM ISSUING CARRIER SURVEY, 2014 As a result of, or in some cases in spite of continued
SPECIALIST INSURANCE FOR ESTATES AND HISTORIC HOUSES Marsh Private Clients 143/130 HIGLIGHT TEXT 60/54 HIGLIGHT TEXT 18/22 OUR CREDENTIALS Marsh is a global leader in insurance broking and risk management.
MARSH REPORT October 2015 International Business Resilience Survey 2015 CONTENTS October 2015 CONTENTS 3 Introduction 4 Non-traditional risks top concerns, both in terms of likelihood and impact 7 Insurance
UK Healthcare Team RISK AND INSURANCE SOLUTIONS FOR THE HEALTHCARE INDUSTRY As a healthcare provider, you need a risk and insurance adviser with an in-depth understanding of the complexities of the healthcare
Proposed acquisition of LGT Asset Management Division and Preliminary Results for the year ended ember 1997 30 January 1998 FOR IMMEDIATE RELEASE The Board of AMVESCAP PLC has entered into an agreement
For Immediate Release MORGAN STANLEY AND CITI TO FORM INDUSTRY-LEADING WEALTH MANAGEMENT BUSINESS THROUGH JOINT VENTURE Combined Firm, to be Called Morgan Stanley Smith Barney, Will Have More Than 20,000
INSIGHTS UK 2015 Cyber Risk Survey Report June 2015 CONTENTS 1 Introduction 2 Work still to be done in terms of awareness/ ownership of cyber risk 5 Lack of data continues to prevent companies from adequately
POINT OF VIEW RISK ADJUSTMENT ARRIVES FOR COMMERCIAL HEALTH INSURANCE HHS s risk adjustment program for the small group and individual markets will reduce some of the effects of adverse selection but it
GLOBAL CORPORATE SERVICES ALIGNING CBRE s Global Corporate Services (GCS) is the world leader in commercial real estate services. As the top real estate services provider named to the Global Outsourcing
Aon Risk Solutions Health Care Practice An Integrated Approach to Meet the Financial and Risk-Related Needs of Health Care Organizations Risk. Reinsurance. Human Resources. Empower Results 1. Solutions
REDEFINING WORKPLACE SAVINGS IN HONG KONG The workforce in Hong Kong is changing. We are living longer, working longer, and will enjoy more time in retirement. We now have four generations working together;
Marsh Canada Limited The Captive Concept A preliminary insight into the rationale behind the formation of a captive insurance company 2 The Captive Concept Marsh Canada Limited What is a Captive? A captive
Life & Protection Scott Ham CEO John Hunter COO Analyst & Investor Conference New York City, December 2010 Key messages Grow profitable new sales Leverage expertise to increase recruiting and expand existing
Marsh India Be Risk confident Marsh Helps companies to optimize their approach to Managing Risk and insurance Changing Reality of Risk Globalization, Terrorism, Litigation, Natural Catastrophes, Business
8TH ANNUAL EMPLOYEE HEALTH AND BENEFITS STUDY EMPLOYEE CHOICE IN BENEFITS - INSIGHTS FROM INDIA & ASIA INTRODUCTION EMPLOYEE CHOICE IN BENEFITS - INSIGHTS FROM INDIA AND ASIA The IMF and the World Bank
Aon Risk Solutions Financial Services Group Life Sciences Industry Practice Executive Liability Insurance Solutions from Experts in the Life Sciences Industry Challenges on the Rise for Life Sciences Companies
ACE TO ACQUIRE CHUBB FOR $28.3 BILLION IN CASH AND STOCK Complementary Businesses and Skills Will Create Global P&C Industry Leader with Superior Product, Customer and Distribution Channel Capabilities
JANUARY 2014 UNITED STATES INSURANCE MARKET REPORT 2014 For a copy of Marsh s US Insurance Market Report 2014, please visit marsh.com or ask your Marsh representative. AVERAGE PROPERTY RATE CHANGES ALL
The Allstate Corporation Bank of America Merrill Lynch 2015 Insurance Conference Thomas J. Wilson: Chairman and Chief Executive Officer February 12, 2015 Forward-Looking Statements and Non-GAAP Financial
CLIENT BRIEFING OCTOBER 2013 TURNING AN ACO INTO AN INSURANCE PRODUCT The best way to capitalize on a relationship with a value-based healthcare provider is to productize it. Why have so few health plans
Considerations for an Initial Public Offering 2009 Edition Marsh is the world s leading risk and insurance services firm and an authority in the placement of Directors and Officers Liability ( D&O ) insurance.
The industry s leading provider of software and services for managing claims, insurance, and risk More than 1,000 customers and 35,000 users worldwide depend on CS STARS TM solutions. CS STARS delivers
Willis Group Holdings February 2014 I Bank of America Merrill Lynch Insurance Conference Disclaimer Important disclosures regarding forward-looking statements These presentations contain certain forward-looking
[Unofficial Translation] June 4, 2014 Koichiro Watanabe President and Representative Director The Dai-ichi Life Insurance Company, Limited Code: 8750 (TSE First section) Agreement to Acquire 100% Ownership
Energy OIL S WILD RIDE DRIVING VALUE FROM THE SUPPLY CHAIN AUTHORS Keric Morris, Partner Curt Underwood, Partner Bob Peterson, Partner TAMING THE SUPPLY CHAIN The recent decline in oil prices has begun
Consulting Actuaries HYBRID ANNUITIES A GROWTH STORY AUTHORS Guillaume Briere-Giroux FSA, MAAA, CFA Dean Kerr FSA, MAAA, ACIA Aaron Chiong More and more insurers are designing and offering hybrid annuities
15 MISSION STATEMENT To be the most professional, client-oriented and innovative insurance brokerage and consulting firm in Canada, through a disciplined and dedicated team approach. A MESSAGE FROM THE
R.J. Augustine and Associates, Ltd., CPA s Innovative Paths to Your Financial Future Success At R.J. Augustine, your success is our success. Understanding your business is our first priority, and we are
Operations Excellence in Professional Services Firms Published by KENNEDY KENNEDY Consulting Research Consulting Research & Advisory & Advisory Sponsored by Table of Contents Introduction... 3 Market Challenges
We set the standard for Impact Investing and are the first-choice partner for asset owners seeking to understand and control their global impact. Build your impact strategy with us - see inside for details.
The Canada Life Assurance Company 2007 ANNUAL REPORT CAUTIONARY NOTE REGARDING FORWARD-LOOKING INFORMATION This report contains some forward-looking statements about the Company, including its business
March 2014 ENTERPRISE RISK MANAGEMENT BENCHMARK REVIEW: 2013 UPDATE In April and October 2009, Guy Carpenter published two briefings titled Risk Profile, Appetite and Tolerance: Fundamental Concepts in
October 2012 Your world, Insured. Leading The Way We have established ourselves as a world leader in insurance by helping our partners and customers realize their plans for the future. With a long history,
INCREASING THE PROFITABILITY OF LOGISTICS Despite increasing revenues, only a small number of logistics services providers are seeing increased profitability. Companies that want to grow their logistics
Brian Duperreault Chief Executive Officer Hamilton Insurance Group Brian Duperreault was President and Chief Executive Officer of Marsh & McLennan Companies until December 2012. Previously, Brian served
Published in Insurance and Finance Newsletter No. 9, February 2012... Feature Insurance Company: An Interview with Charles Brindamour, CEO, Intact Financial Corporation... by Etti Baranoff Intact Financial
Financial Services the way we do it Merger & Acquisition, Integration and Divestiture Financial institutions are re-focusing their M&A strategies and objectives while aligning their organizations to adapt
IBM Business Partners: Top Five Best Practices for Maximizing Your Success Selling IBM Software Judith Hurwitz President and CEO Marcia Kaufman COO and Principal Analyst Sponsored by IBM Introduction IBM
making relationships count Welcome to DUAL Australia Innovative solutions for complex insurances About Us DUAL Australia is a specialty lines underwriting agency focused on providing solutions to the mid
CLOSING THE DOOR TO CYBER ATTACKS HOW ENTERPRISES CAN IMPLEMENT COMPREHENSIVE INFORMATION SECURITY CLOSING THE DOOR TO CYBER ATTACKS Cybersecurity and information security have become key challenges for
MARSH & McLENNAN COMPANIES is a global professional services firm offering clients advice and solutions in the areas of risk, strategy, and human capital. We are: MARSH, a global leader in insurance broking
SUSTAINING THE PROFESSIONAL: PROTECTING YOUR ASSETS AUGUST 2, 2013 Denise K. Gibson, RPLU Vice President Graham M. Fuller Senior Vice President Urbandale, Iowa Marsh US Consumer, a service of Seabury &
THE ART OF COMMERCIAL REAL ESTATE SM art (art) 1. The use of skill and imagination in the creation of aesthetic objects, environments, or experiences that can be shared with others. A Leader in Commercial
S A L ES & M A R K E TING INSIGHTS Merger and Acquisition Success: The Sales Force Integration Imperative Michael B. Moorman and Ladd Ruddell Business to business (B2B) corporations with strong cash reserves
BUSINESS CONSULTING SERVICES Comprehensive practice management solutions for independent investment advisors Insights, tools and resources to help you Accelerate Your Growth, Scale Your Business and Elevate
INSURANCE SERVICES FTI Consulting insurance services The insurance industry is operating in a complex and dynamic global environment. Low interest rates, the demand on capital and ever-changing regulation
Company Profile turning good little businesses into great businesses ABOUT THIRD EYE MANAGEMENT Third Eye Management Third Eye Management works with business owners to achieve their dream by helping them
To Our Shareholders A Message from the CEO Overview of Fiscal 2007 Performance Looking at consolidated performance during fiscal 2007, or the year ended March 31, 2007, ORIX achieved an 18% rise in net
Getting more value from a divestiture a relentless focus on human capital IN THE WORLD OF M&A, SUCCESSFUL ACQUISITIONS REQUIRE KEEN ATTENTION TO PEOPLE-RELATED ISSUES. HOWEVER, THE FLIP SIDE OF M&A, THE
Marsh Private Client Life Insurance Services 10 REASONS TO REVIEW YOUR LIFE INSURANCE TODAY 1. HAVE YOUR NEEDS CHANGED? Is the original reason you purchased your policies still applicable? Often, the need
EMPLOYEE BENEFITS Collaborate. Innovate. Elevate. In today s corporate world, business and HR managers at companies of all sizes are being asked to do more when it comes to employee benefits. To provide
U.S. FINPRO MANAGEMENT AND PROFESSIONAL LIABILITY INSURANCE ALTERNATIVE INVESTMENT FUNDS/HEDGE FUNDS In turbulent economic times, the importance of a well designed management and professional liability
The Allstate Corporation Barclays Global Financial Services Conference Thomas J. Wilson: Chairman, President, and Chief Executive Officer September 10, 2014 Safe Harbor This presentation contains forward-looking
The City of Haines City, FL 620 E. Main St Haines City, FL 33844 Retirement Plan Consulting Proposal Presented: August 2014 Gregg Fine, PRP, AIF Area Vice President Gallagher Benefit Services, Inc. 8333
THE NATIONAL HUMAN SERVICES ASSEMBLY President and CEO Washington, DC EXECUTIVE SUMMARY The National Human Services Assembly (the National Assembly), the premier professional association for the nation
Aon Risk Solutions Client Engagement and Compensation Guide Risk. Reinsurance. Human Resources. Introduction The aim of this document is to provide a high-level summary of the work that Aon Risk Solutions
2003 Annual Report Navigant Consulting Navigant Consulting is a specialized independent consulting firm that assists clients in addressing the critical challenges of dispute and litigation, regulation,
To: Business Editor 4th November 2014 For immediate release Jardine Lloyd Thompson Group plc Interim Management Statement The following announcement was issued today by the Company s 42%-owned associate,
January 2012 Change is happening: Is your workforce ready? Many power and utilities companies are not, according to a recent PwC survey At a glance Our utilities-industry survey shows that many companies
Annual Report 2003 MMC IS A GLOBAL PROFESSIONAL SERVICES FIRM WITH ANNUAL REVENUES EXCEEDING $11 BILLION. IT IS THE PARENT COMPANY OF MARSH INC., THE WORLD S LEADING RISK AND INSURANCE SERVICES FIRM; PUTNAM
SEPTEMBER 2014 DEFINING REPUTATIONAL RISK WHAT DO WE MEAN BY AN ORGANIZATION S REPUTATION? Everything an organization does or says creates an indelible impression in the minds of its key stakeholders senior
Independence and Integration One of the many luxuries wealth affords a family is a certain level of independence. Independent families have the freedom to explore new business ventures, pursue educational
2 Nothing is more important to your business than customers. After all, without them, your business would not exist. In any business the customer sees things that you don t. And their perspective is the
Lincoln Financial Advisors A Commitment to Excellence A promise to listen When you retain Lincoln Financial Advisors, you benefit from personal service and our extensive financial experience. We take the
Cisco Enterprise Services Expertise, Innovation, and Strategies to Accelerate Your Business Success Maximizing technology and business ROI Advanced technologies have the ability to transform the way businesses
Recap of Recent Announcements Donald Guloien President & Chief Executive Officer July 8, 2009 Legal Disclaimer Caution Regarding Forward-Looking Statements This document contains forward-looking statements
Aon Risk Solutions Life Sciences Practice Providing End-to-End Solutions for Life Sciences Companies Risk. Reinsurance. Human Resources. 1 The Life Cycle Risk Continuum An overview of industry-specific
1 We design talent strategies that accelerate business outcomes. Where there are critical gaps, we build talent from within and attract new talent from the outside. At every level of the enterprise, we
Energy POINT OF VIEW IS IT TIME FOR A NEW UTILITY BUSINESS MODEL? BECOME A MORE AGILE AND EFFECTIVE UTILITY IN AN INCREASINGLY UNCERTAIN ENVIRONMENT AUTHOR Michael Britt, Partner Utilities are grappling