Mr. Caffrey is licensed as a field representative with The Guardian Life Insurance Company of America, and insurance brokers with Schneider & Shulman Brokerage Services, Inc., a long-term care insurance agency, and as insurance brokers with Crump Life Insurance Services, a life and disability insurance agency.  As such, Mr. Caffrey may receive compensation for the sale of various insurance products to advisory clients as well as non-advisory clients. 



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