Insurance Financial Solutions Risk Strategy Wealth & Risk Management

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1 Insurance Financial Solutions Risk Strategy TM INSURANCE & FINANCIAL SERVICES FIRM

2 Our insurance specialists provide customized risk solutions for companies of all sizes. Shopping with a network of national insurance carriers allows us to give our clients complete protection at the best value. We know the importance of your property, business, assets, and most importantly your health, life, and family. We develop a strong bond with each client, and we custom fit a program to meet your needs. SOGO in Japanese means togetherness, completeness, and wholeness. We are a full service insurance brokerage and financial services firm providing comprehensive services and total protection plans customized to you. As a 100% independent all lines broker, we leverage our expertise to give you the best results. We offer 24/7 support and claims oversight by a real person when you need it most. Our claims department s primary goal is staying in touch with you through the end. TM Our Services: Property & Casualty Insurance Transportation Solutions Management and Professional Liability Surety Solutions Contractor Construction Property & Casualty Employee & Employer Benefits Life Insurance Financial Services Individual Client Risk Management Pictured in the photo is SOGO Partners, from left to right is Larry R. Ynman, Joshua R. Hernandez, and Sylvia Ynman. SOGO WEALTH & RISK MANAGEMENT INSURANCE & FINANCIAL SERVICES FIRM

3 Transportation Solutions We provide high value coverage for everything from limousines to cargo fleets, serving public transportation, business auto, and trucking customers. Our deep roots in the commercial auto industry give you a competitive advantage in the premier commercial auto insurance market. The transportation insurance market can be a significant challenge. Our carrier network is dependable, financially stable, and large enough to meet the needs of all companies. SOGO s licensed account executives partner with you to deliver coverage with competitive pricing for local trucking and delivery as well as intermediate range transportation and delivery companies. Risk control consultants review risk management practices associated with hiring, driver training, and safety issues that are key to helping keep your cargo protected. Specialty investigators respond quickly to help recover stolen cargo and to offer insights into theft prevention needs. Understanding the contracts and bills of lading regarding transportation claims is vital for increased responsiveness. Transportation Expertise: Commercial Auto Liability, Contingent Auto Liability, Freight Broker Liability, Hired & Non- Owned Liability, Hired Auto Physical Damage, Inland Marine, Motor Truck Cargo, Open Lot/ Terminal Vehicle, Oversized and Overweight, Physical Damage, PIP-Statutory, Truckers General Liability, and Workers Compensation Industry Focus: Ambulatory Services, Business Public Auto, Charter Bus Operations, Entertainment Coaches, Fee for Hire, Freight Haulers, Fuel & Oil Delivery, Hazardous Haulers, Intermodal Truckers, Limo Services, Livery, Logistic Providers, Long/Intermediate/Short, Moving & Storage, Non-Fleet Trucking, Para Transit, Refrigerated and Heated Operations, Sand- Stone - Gravel, Taxi Services, Waste Hauling, and Towing & Recovery. SOGO WEALTH & RISK MANAGEMENT INSURANCE & FINANCIAL SERVICES FIRM

4 Property & Casualty Insurance Risk affects businesses of all sizes and types. Our team provides flexible solutions for everything from risk prevention to property recovery. We offer products geared to your company, with industryspecific underwriting, risk control, and claims. Our professionals listen, assess risk situations, and spend time with your stakeholders to understand your structure and operations. We prepare and present practical risk solutions for your company and match your unique coverage with compliance needs. Property Risk Expertise: Builder s Risk, Building, Business Interruption/Loss of Income, Business Personal Property, Coastal Wind, Earthquake, Flood, Inland Marine, Mechanical Breakdown, Money and Securities, National Property, Ocean Marine, Sign, Utility Interruption, and Vacant Buildings. Casualty Expertise: Auto Liability, Cyber Liability, Data Breach, Directors & Officers, Employee Benefits Liability, Employment Practices Liability, Environmental and Pollution Liability, Fidelity/ Crime, Fiduciary Liability, Foreign Liability, Garage Liability, General Liability, Liquor Liability, Product Liability, Product Recall, Sexual Abuse, Umbrella/Excess Liability, Warehouse Liability, and Worker s Compensation. Industry Focus: Apartment/Condominium, Commercial Real Estate, Energy Oil & Gas, Garage, Franchised Auto & Truck Dealers, Hotel/Hospitality, Manufactures, Professional Offices, Public Sector, Retail, Religious, Restaurant and Tavern, Technology, and Wholesaler.

5 Management and Professional Liability: SOGO has access to diverse industry programs and amenities which provide our clients with the best solutions, options and expertise in these industries. We can protect your business through our customized management and professional liability insurance coverages. With dedicated policies for private companies, public companies, professional firms, non-profits and financial institutions, you ll get the coverage that fits your unique responsibilities and exposures. Choose either standalone coverage or a suite of coverages on a single policy. SOGO s insurance partners have the flexibility to adapt to your business. Industry Focus: Architects & Engineers, Assisted Living/Nursing Homes, CPA/ Accounting Firms, Gaming/Crime, Home Healthcare, Insurance Agents & Brokers, Investment Advisors, Law Firms, Not- For-Profit Organizations, Physician Groups (10 or more), Hard to Place Physicians, Private/Public Companies, Real Estate, and Surgical Centers. Professional Liability Expertise: Architects & Engineers Liability, Crime Liability, Directors and Officers Insurance, Employment Practices Liability, Kidnap, Ransom and Extortion Insurance, Errors and Omissions Insurance, Miscellaneous Medical Liability, Privacy & Network Security Liability, Technology/Cyber Liability. Professional Liability Coverage: Professional Liability covers errors and omissions for a variety of professional services and provides coverage for negligence in the performance of services where a reasonable standard of care is expected.

6 Surety Solutions Commercial Surety Our professionals provide surety bonding needs for companies of all sizes. We know surety bonds are critical to the operations of all commercial companies. As your business grows, your operational needs change. Our advisors possess industry knowledge and business tools to help assess your risk and take advantage of commercial surety bonding opportunities. Products & Services: Contract surety for commercial entities Service contracts, supply and non-construction performance and payment bonds. Court Fiduciary Bonds for individuals serving as executors, trustees, administrators, guardians and conservators. Court Litigant Plaintiff and defendant court bonds for individuals and companies involved in court actions. License and Permit Bonds required by statute, municipal ordinance or regulation, such as contractor license, reclamation, and customs. Types of Bonds: Bid, Excess Weight, Fidelity, Judicial + Court, License and Permit, Lost Instrument, Liquor, Notary, Performance and Payment, Public Official, Release of Lien, State Professional License, Supply, Tax, and Miscellaneous. SOGO WEALTH & RISK MANAGEMENT INSURANCE & FINANCIAL SERVICES FIRM

7 Contractor Construction Property & Casualty We provide coverage for contractors of all sizes with strategies that can reduce the cost of risk and improve your bottom line. Our specialists recommend products and policies customized to your industry and your business. We assess each circumstance by account size, contractor type, risk exposure, geographic area, and line of business. We provide coverage for Individual, General, Commercial, Industrial, Heavy, and Trade Contractors. Property & Casualty Expertise for: Builder s Risk, Commercial Auto, Contract Surety, Contractor s Equipment, General Liability, Owners and Contractors Protective Liability, Pollution Liability, Umbrella/ Excess Liability, and Worker s Compensation. TM

8 Employee & Employer Benefits Cost reduction solutions for you that keep employees happy. With constant changes in the employee benefit environment, keeping up with compliance and the latest changes can be confusing. We have the tools in place to keep the process simple. Our team partners with you to develop a benefits program that achieves your goals and needs. As a 100% independent broker, we can deliver cost-reduction solutions to you while providing the care that your employees expect. Our specialists act as an extension of your management team, monitoring your situation and providing informational seminars and advice to you and your employees. Employee Benefit Expertise on: Group Medical Insurance, Pharmacy, Dental & Vision Insurance, Accidental Death & Dismemberment, Short Term & Long Term Disability, Group Long Term Care Insurance, Key Employee Insurance, Flexible Spending Accounts/Section 125, 401(k), 403(b) Plans, SEP and SIMPLE Plans, Basic Life Insurance, Voluntary Life Insurance, International Health Insurance, Medicare Carve Out, COBRA Administration, Health Seminars, Executive Benefits, and Business Overhead Expense. SOGO WEALTH & RISK MANAGEMENT INSURANCE & FINANCIAL SERVICES FIRM Securities offered through OFG Financial Services Inc. Member FINRA / SIPC, Topeka, KS Telephone # (785)

9 Life Insurance Funding the future for your loved ones. Life insurance protects your family, giving them the resources to fund their future when you pass on. The money can be used in any way; often paying for your funeral and other related expenses, making up for your lost income, funding a child's education, and paying off household debt, or to supplement your retirement income. We offer a full spectrum of life insurance products, with access to a large selection of highly rated carriers, a broad selection of markets, unmatched sales support and expertise in all transactions. As an independent broker, SOGO has access to one of the deepest product portfolios in the market, and the expertise to make your income work hard for you. Life Insurance Expertise: Term Life, Whole Life, Universal Life, Long Term Care, Individual Health, Medicare Supplement Programs, Disability Income, Income Tax Reduction Strategies, Tax Deferred Annuities, Key Employee, Buy/Sell Insurance, Business Succession Planning, Estate Preservation, Financial Needs Analysis, Portfolio/Insurance Review, International Life, and International Health. Securities offered through OFG Financial Services Inc. Member FINRA / SIPC, Topeka, KS Telephone # (785)

10 Financial Services When it comes to planning for your financial future, life can be full of unexpected twists and turns. Wherever your road takes you, we can help you create the road map to get where you want to go. Tell us your story. From retirement planning, to business succession, to providing for your family s future, we provide financial guidance and innovative solutions to help you achieve your dreams. We represent over 70 mutual fund families, with access to variable annuities at over 40 insurance companies. Because we have so many products to choose from, we can offer solutions that help you make the most of your income earning capacity. Financial Services Expertise: Pension or Qualified Plan Distributions, Funding Your Children s Education, Mutual Fund Investments, Retirement Income Management, 401(k) Roll-Overs, Retirement Plans, Traditional & Roth IRA s, Index Annuities, Variable Annuities, Income Annuities, SEP/SIMPLE Plans, and 403(b) Plans. Putting you, your family, and your business on track to reach your goals. SOGO WEALTH & RISK MANAGEMENT INSURANCE & FINANCIAL SERVICES FIRM Securities offered through OFG Financial Services Inc. Member FINRA / SIPC, Topeka, KS Telephone # (785)

11 Individual Client Risk Management Companies protect what they earn, and it s vital to protect what you earn. For most people, insurance and wealth management resources are measured milestones, developed by cultural inspirations, education, and careers. Keeping your money in the family helps you prepare them for the unexpected. We understand how important this is, because it is also our story. We work to protect and secure what matters most family. For over thirty years, our specialists have been proud to offer access to multiple insurance companies. Because we have a diverse set of companies, we provide you with several options to meet your specific lifestyle and personal needs. We re committed to keeping your costs affordable and protecting the assets you ve worked hard to accumulate. Risk Management Expertise: Antique Exotic, Automobile, Farm and Ranch, Flood, Homeowners, Income Protection, Investment Properties, Kidnap & Ransom, Life insurance, Mexico Travel Insurance, Motorcycle & Off Road, Personal Umbrella, Recreational Vehicle, Renters, Valuable Personal Property, Boat/Yacht, Condominium, and Wedding & Private Events Insurance.

12 The Benefits of Working with an Independent Insurance and Financial Services Firm We know how important it is to feel secure. You want to know and trust a firm that is protecting your wealth. Other agencies believe they only sell insurance, however our firm is focused on providing wealth and risk management solutions. We provide 24/7 industry advice when you need us most. Each day we come away with a sense of pride and satisfaction that we helped family, friends, and neighbors, who have referred us to a greater circle of trust. We have served Texas communities for over 30 years. We use our relationships with leading insurance carriers to offer the best value, rate, and coverage for you, your family, and your business. Independent Insurance Agents of Texas Trusted Choice San Antonio Hispanic Chamber of Commerce The San Antonio Restaurant Association SBE Small Business Enterprise Certified MBE Minority Business Enterprise Certified NAIFA National Association of Insurance and Financial Advisors Texas Historically Underutlilized Business (HUB) Certificate TM Main: Toll Free: Fax: NE Loop 410 Suite# 418 San Antonio, TX Insurance Financial Solutions Risk Strategy SOGO WEALTH & RISK MANAGEMENT INSURANCE & FINANCIAL SERVICES FIRM