Reddington Advisory Group A comprehensive approach to your financial strategy

Our focus at Reddington Advisory Group is on the needs of families, business owners, executives, and professionals; successful people who recognize the value and need for the thoughtful and intelligent preparation of their financial future.

We are dedicated to providing you complete financial strategies focused on building long-term relationships and recognizing that every client’s situation is unique; there are no standard solutions. Wealth accumulation, family asset protection, business continuation, employee retention and the myriad of other financial issues clients face are always evolving, resulting in constant changes in our clients’ needs.

We are committed to helping you reach your critical short and long term objectives. We accomplish this mission through a carefully planned and professionally executed comprehensive process designed to make the most appropriate recommendations based on your specific needs. Throughout the implementation process, we partner with you and your other professional advisors to develop strategies and solutions that help you achieve your identified goals.

Unlike companies that offer “standardized” solutions to complex conditions, we listen first, and then think objectively about how to best meet your personal needs. Our commitment to excellence and focus on services makes our team at Reddington Advisory Group a valuable client resource and strategic partner.

ANCILLARYEMPLOYEEBENEFITS

CORPORATEEMPLOYEE

EDUCATION

401(K) PENSION

RETIREMENT

INVESTMENTS

VOLUNTARYEMPLOYEEBENEFITS

LIFEINSURANCE

FINANCIALAND ESTATEPLANNING

LONG-TERM CARE

INSURANCE

DISABILITY INSURANCE

CHARITABLEGIFTING

STRATEGIES

MEDICALBENEFITS

AUTO &HOME

“Unlike companies that offer

‘standardized’ solutions to complex conditions, we listen first, and then think objectively about how to best meet your personal needs.”

Mark J. Reddington, CLU®, ChFC®Senior Financial Services Executive

Gaetano SaccoFinancial PlannerFinancial Services Representative

Kevin Zebrowski, JDFinancial AdvisorFinancial Services Representative

Erik ScherrInvestment Advisor RepresentativeFinancial Services Representative

Jake SurmaFinancial Services RepresentativeRegistered Representative

Ghazi NweiranFinancial Services RepresentativeRegistered Representative

Delores Nuamah, CFP®Financial Planning Case Design Specialist

Bruce BickarRegistered Principal

Martha ReddingtonClient Relationship ManagerEmployee Benefits

Brian Singleton, JDAdvanced Markets Specialist

Glenn MielkeFunctional ManagerAuto & Home

Diane WagnerClient Relationship ManagerIndividual Protection Products

Our Team

The employee benefits industry is challenging, highly regulated and ever changing. We are committed to providing a consultative approach to understanding healthcare in today’s market. Our role as employee benefits specialists is to bring solutions to our clients on a proactive basis. Reddington Advisory Group serves a diverse group of small to mid-sized employers throughout the tri-state area.

We differentiate ourselves in the employee benefits marketplace by taking a holistic approach to planning. Benefits are a great investment in your employees, but they are also the highest cost driver. We design benefits programs and develop funding strategies that maximize value while addressing the specific needs of your business and your employees to find cost effective levels of coverage.

From one employee to 5,000, no matter what size the group, our clients can expect to receive the same level of commitment to their company’s benefits program. The success of our client relationships is a direct result of the personalized support and attention that each client receives.

We also work one-on-one with your employees to help them connect workplace benefits with their total financial picture, helping to enable them to create a sound financial strategy for the future. Our extensive market search and negotiations result in cost effective coverage with only the highest quality providers.

Effective strategies for your life Effective benefits strategies for your business

PRODUCTSl Medical Insurancel Dental Insurancel Life / AD&D Insurancel Short-Term Disabilityl Long-Term Disabilityl Voluntary Benefits l Section 125 POP Planl Health Reimbursement

Account (HRA)l Health Savings Account (HSA)l Flexible Spending Account (FSA)l Long Term Care Insurancel Executive Benefits Programl Dependent Care Account (DCA)

SERVICESl Annual reviews of your entire

employee benefits programl Assistance with COBRA and state

continuation administrationl Continuing education on the

ACA and other industry changesl Effective employee education

and communicationl Troubleshoot claims and

billing disputes with carriers on behalf of your employees

l Assistance with regulatory compliance

l Day-to-day account management

l Assistance with creating and implementing wellness programs

“Reddington Advisory Group will ensure the proper strategies are put into place to obtain the goals that are unique to your life.”

l Retirement Planningl Fee Based Financial Planning*l Income Continuation l Estate Planning Strategiesl Analysis and Selection of Asset

Allocationl Individual Retirement Accounts

(IRAs)l College Funding Strategies

l Life Insurancel Fixed and Variable Annuitiesl Disability Income Insurance

Protectionl Long-Term Care Insurancel Auto & Home Insurance

l Individual Stocks and Bondsl Mutual Funds/ETFsl Managed Accounts

We offer a wide range of strategies for your life, including:

RETIREMENT AND PROTECTION FINANCIAL PLANNING AND INSURANCE INVESTMENTS

At Reddington Advisory Group we take a comprehensive approach to meeting your financial needs and goals. We meet personally with all of our clients to provide the experience of an in-depth process that identifies your financial position and helps us to better understand your current life situation. This process will help determine if you are making the most sound choices when it comes to your financial goals.

From here, we are able to analyze your position to find better ways to protect your income and your assets at every stage in your life. We work together to design a strategy to help you invest your assets in order to meet your identified goals by taking into consideration your personal circumstance and risk tolerance. Within this strategy we incorporate the proper tax planning and estate planning that may need to be implemented to find the best possible approach to meet your needs.

Whether your goal is retirement, buying a new home, or protecting the ones you love, Reddington Advisory Group will ensure the proper strategies are put into place to obtain the goals that are unique to your life.

Across life stages, employees consistently believe a personalized benefits package would help them make better benefits decisions.Source: 7th Annual MetLife Study of

Employee Benefits Trends, 2009.

Source: 9th Annual MetLife Study of Employee Benefits Trends, 2011.

Employees who indicate that medical insurance benefits are very important for:

R E T E N T I O N

AT T R A C T I O N

P R O D U C T I V I T Y

THE THREE BENEFITS BUSINESS OBJECTIVES

Staying With My Employer

57%

Helping Me Feel Financially Secure

64%

Helping Me Stay Healthy

63%

Financial and retirement education at the workplace has become an essential component of any comprehensive benefits package.

Reddington Advisory Group helps you meet the diverse financial needs of your employees, reduce your administrative budget, and increase the appreciation of the benefits we offer with our financial education series.

Our team provides your employees with access to a range of financial and retirement education resources through on-site workshops, with optional personal consultations, and decision-support assistance.

Transitions SolutionsOur unique guidance program assists employees experiencing a change in benefits due to retirement, leaving employment voluntarily or involuntarily, or a reduction in coverage, and helps them make informed decisions about their finances and coverage.

Delivering the Promise®Our support and financial advice program for claims beneficiaries helps them understand and choose the best options for managing and protecting their funds during a difficult time.

Companies with the most effective health and productivity benefits programs experienced superior performance in three significant areas.

20%More

Revenue Per Employee

57%Higher

Shareholder Returns

16%Higher Market Value

Source: Watson Wyatt Worldwide: 2007/2008 Staying@Work Report.

61% of employees would like their employers to provide access to financial and retirement planning to help them make informed decisions about financial needs.2

45% of employers state that financial guidance programs in the workplace can be effective at improving productivity.2

62% of employees who receive financial education at the workplace are very satisfied with their benefits.2

RECENT RESEARCH SHOWS:EFFECT OF BENEFITS ON COMPETITIVE POSITION:

GATHER DATAGather your data to develop your personal plan

Step 2

ANALYZE AND DEVELOP PLAN

Analyze your current situation and develop comprehensive solutions

Step 3

PLANIMPLEMENTATION

Implement planrecommendationsStep 5

MONITORAND UPDATE

Monitor your plan and update periodicallyStep 6

PLAN PRESENTATIONAND DELIVERY

Review your plan and discuss recommended strategies

Step 4

DISCOVERY INTERVIEW

Step 1 Understand your unique goals and objectives

MetLife does not provide tax or legal advice. Please consult your tax advisor or attorney for such guidance. Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities products and investment advisory services offered by MetLife Securities, Inc. (MSI) (member FINRA/SIPC) and a registered investment adviser, 1095 Avenue of the Americas, New York, NY 10036. MLIC and MSI are MetLife companies.

MetLife Premier Client Group is the distribution channel name for the offices of MLIC.

Financial Planning offered by company approved Financial Planners.

Corporate Employee Education The Financial Planning Process

FORTUNE 500® is a registered trademark of FORTUNE 500® magazine, a division of Time, Inc. 1 9th Annual Study of Employee Benefits Trends, 2011 2 8th Annual Study of Employee Benefits Trends, 2010

186 Wood Avenue South, Suite 301 Iselin, NJ 08830Phone: 732-623-7370 Fax: 732-623-5730 mreddington@redadvisory.com www.reddingtonadvisorygroup.com

Metropolitan Life Insurance Company (MLIC), New York, NY 10136. Securities ofered by MetLife Securities, Inc. (MSI) (member FINRA/SIPC). MetLife Auto & Home Insurance is ofered by Metropolitan Property and Casualty Insurance Company (MPCIC), and its afliates, Warwick, RI. MLIC, MSI, and MPCIC are all MetLife companies. Neither MetLife nor its representatives ofer legal or tax advice. Please consult with your legal and tax advisors about your specifc situation. L0715431269[exp0716][NJ]