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Sample Protection Options for Various Types of Cyber Breach Claims & Losses

Below is an example of how one prominent underwriter segregates between a financial loss and an actual tangible property loss or bodily injury.

Sample coverage for financial loss

Sample coverage for tangible loss

Consultancy services

Actual claim examples


Sample coverage for financial loss

Third party loss resulting from a security breach includes:
• Defense costs and damages if the business or its outsource handling firm causes a breach of personal or corporate data.
• Defense costs and damages if the business contaminates someone else’s data with a virus.
• Defense costs and damages if the business suffers a theft of system access code by non electronic means.

Cyber coverage is unique in that carriers offer different products, since it is still a fairly new insurance product. Generally, you purchase coverages like a cafeteria plan, in which you can select various products. It can be a little hard to compare carrier options because they’re not uniform.

Event management costs— There are more coverages with respect to the cyber event management, such as:
• The cost of notification, public relations, and other services to manage/mitigate a cyber incident.
• Expenses to restore, recreate, or recollect lost electronic data.
• Forensic investigations, legal consultations, and identity monitoring costs for breach victims.

Network or business interruption—
• Loss of net profit and extra expense as a result of material interruption to the insured’s network caused by a security breach. Now, you’ll notice that it’s net profit loss, because they’re going to compensate you for your net loss. This would be your gross sales, less expenses.

Cyber and privacy extortion—
• Ransom payments (extortion loss) to third parties incurred in efforts to terminate a security or privacy threat. This is another item a little bit like kidnapping and ransom, for a lack of […]


What is the Dark Web?

Where does our stolen identity data go?
Cyber Liability Insurance
There’s an area of the Web that doesn’t show up in typical search engines such as Google, called the Dark Web. This anonymous portion of the Web can only be accessed using a special Web browser. It’s used by organized crime and nation states to essentially search and exchange information.
There’s a lot of information being traded on the Dark Web that we as regular visitors don’t have visibility into, whether it’s illegal information, credit card information, or your electronic health records. One of the most valuable forms of illicit data today is our electronic medical records, which is not only our financial information but also our health insurance information. This includes our health history, our prescription history, our procedures, etc. It’s enough information to commit not only financial identity theft but medical fraud, which is really the financial reward for using electronic medical records.

As a result, health data is the next frontier in data breaches & ID theft. The total revenue associated in the US healthcare services in 2015 was 3.2 trillion. Somewhere between 3-10% of that is identified by the FBI as medical fraud, which equals to $70 – $200 billion of losses.

View entire Webinar:
Data Breaches and ID Theft – What CFOs and HR Professionals Need to Know

Watch this video to gain a better understanding around the threat of identity theft for you as an individual and for your business. We discuss:
– The risk and impact of data breaches and identity theft to individuals and families
– The new threat of medical ID theft and the risk to self-funded health plans
– How to protect yourself and your employees
– The risk and impact of data breaches […]


The Benefits of Employee Wellness Programs

At The Partners Group, we continue to see an increase in employers offering wellness programs. This is likely because they’re witnessing tangible benefits both to their organization and to their employees. In a recent poll of Northwest employers, we found that nearly 70% of employers were offering some type of wellness program. The program could be a one time activity, for example a walking challenge, or a new worksite policy, such as a smoke free campus, or perhaps transitioning from exclusively sitting desks to sit stand. According to a recent National Business Group on Health study, where employers with less than 500 employees were surveyed, 61% offered general wellness programs, increased from 51% last year.

The benefits of an employee wellness program from an employer perspective:
• Improved employee health
• Controlled healthcare costs
• Increase productivity
• Reduced absenteeism
• Improved job satisfaction
• Easier recruitment and retention of employees

There are a variety of reasons employers are focusing on and prioritizing workplace wellness. The worksite is a great place to be able to showcase your support of an employee’s well-being, and in return you can expect to see increased productivity, reduced absenteeism, improved job satisfaction and more. When we meet with our employer groups about wellness, the first question we ask is: “What is motivating you to put in a wellness program?” Our employers cite a variety of different reasons, from wanting to improve the health of their employees and create a more engaged and satisfied employee population, to controlling healthcare costs and putting strategies in place that allow them to be more competitive in the marketplace.

The benefits of a workplace wellness program from the employees’ perspective:
• Weight loss
• Stress relief


Six Critical Success Factors for Implementing an Effective Health Contingent Wellness Program

There are six critical success factors for implementing an effective health contingent wellness program. It all begins at the top with leadership support and gaining leadership buy in. For example, you can start with a walk the talk program, so that your managers, supervisors and leaders can experience, first hand, just what they are going to be asking their employees to do. The next step involves using data to inform the strategy, including biometric data, and health risk assessment data. For those of you who may say, “Claims data isn’t available to me. Can you still work with biometrics and HRA?” Absolutely. In fact, we can even, work with an employee survey, if health risk assessments and biometrics just aren’t something that are practical for you to do in the first year or two, due to perhaps budget constraints.

Data informs strategy, which results in an operating plan. The operating plan outlines details such as interventions, timelines, and communications. Next comes the communication step which is usually easier said than done. You can have the best laid plans for a wellness program, but if you don’t have people participating, frankly you don’t have a wellness program. An effective communication campaign paves the way for awareness that leads to participation. If this is an area you struggle with, rest assured you are not alone! And, there is help! Communication points employees to the interventions designed with them and your population’s health risks in mind. This includes worksite wellness resources, lunch and learns, fitness classes, clinical education (ie diabetes education), care coordination, and/or follow-up with a healthcare provider. Interventions are also supported through a healthy workplace environment where healthy choices are the easy choices, from encouraging walking meetings, to re-vamping what is offered in the […]


Wellness Program Prevention Strategies

It’s important to note that before we can begin to talk about the type of health promotion program appropriate for any organization, we must begin to shift from a culture of sickness and disease to one that is rooted in prevention and wellness. There are a range of activities and interventions geared towards reducing health risks or threats to an employee’s health. Listed below are some primary prevention strategies, which are aimed at preventing disease or injury before it happens.

Primary prevention strategies– Help people stay healthy and productive:

• Nutrition
• Movement
• Ergonomics
• Lifestyle management
• Health education

Primary prevention strategies focus on creating a healthy place of work, including identifying and controlling stressors or barriers so that employees are engaged in their health, have access to healthy resources on site, and have access to programs to get and stay healthy.

Strategies could be focused on the individual or the entire organization through group wellness or team based activities. Some primary prevention strategies focus on education about healthy and safe habits, such as: exercising regularly, eating well, and not smoking.

Oftentimes employers assume their employees already have this education, but it’s our job to continue to remind people of healthy practices and to create an environment where people can be rewarded and/or be encouraged to practice healthy habits at work. Many companies offer lunch and learns about a variety of health topics or offer nutrition or walking programs. Sometimes the best strategy is to go directly to the employees to discern what their needs are. When surveyed, employees said they would like basic education about healthy snacks to stay fueled throughout the workday, as well as motivation and resources to quit smoking. Many employees weren’t aware there was an […]


Helpful Resources to Get You Started on Workplace Wellness

Many of the outstanding resources below are free and great places to start regardless of where you’re at with your workplace wellness program. This is a sampling of organizations, both locally and nationally, that have evidence based health promotion best practices you can reference. Certainly, we at The Partners Group are happy to assist you and answer any questions you may have regarding the development of a workplace wellness program. Iris Tilley at Barran Liebman Attorneys is also available through The Partners Group to answer legal questions you might have when starting up a wellness program.

Helpful resources to get you started on workplace wellness:

• Wellness at Work through Oregon Public Health Institute (OPHI)
• Workplace Health Promotion (Centers for Disease Control and Prevention)
• Worksite Wellness Network
• American Heart Association Play Book
• National Institute of Health (NIH)
• Carrier Partners
• HERO Health (Health Enhancement Research Organization)

Contact Us: If you have questions or would like an initial consultation on your wellness program.

Subscribe to our email list for the latest updates and news.

Create an outcomes based approach to wellness with a focus on prevention: click here for article.

Case Study:
We’ve highlighted a particular employer and how they went down the path of implementing a workplace risk reduction strategy in this case study.

Legal Guidelines:
Additionally we’ve invited our legal counsel, Iris Tilley from Barran Liebman Attorneys, to address legal considerations to be aware of when moving forward with a health contingent wellness program, click here.

Webinar video: In this Webinar video we share ideas […]


Legal Requirements of Outcomes Based Wellness Programs

The Partners Group invited legal counsel, Iris Tilley from the Barran Liebman LLP Labor and Employment Law Firm, to address legal considerations to heed when implementing a health contingent wellness program.

Double click on the video to make it larger.

There are three different bodies of legal requirements to consider when thinking about shifting to an outcomes based wellness program. This article will give you a checklist of items to review as you’re putting your program into place. If you find you’re in doubt and need further assistance, we recommend checking with your benefits consultants.

The first set of legal requirements come directly from HIPAA, which you probably know as a privacy law. However, one section of HIPAA is dedicated to discrimination based on someone’s health. Consequently, HIPAA comes into play when we’re thinking about wellness programs and the way we apply these wellness programs to particular employees. The Affordable Care Act (ACA) has also slightly modified these programs, as well as the Americans with Disabilities Act (ADA).

Outcomes Based Programs: The Five Requirements:

These requirements under HIPAA, and also under the Affordable Care Act, are designed to avoid a situation in which individual employees are discriminated against based on their health status.

1. The wellness program must give individuals the opportunity to qualify for the reward at least once a year

2. The reward must not exceed 30% of the cost of coverage

3. Reasonable Design:

A program will meet this requirement if:

• It has a reasonable chance of improving the health of or preventing disease in participating individuals;

• It is not overly burdensome;

• It is not a subterfuge for discriminating based on a health factor; and

• It is not highly suspect in the method chosen to promote […]


The Partners Group Named the Largest Independent Employee Benefits Firm in Oregon

Employee Benefit AdviserEmployee Benefit Adviser, in partnership with business intelligence data analytics firm miEdge, announced The Partners Group as the largest independent employee benefits firm in Oregon, (based on volume managed), and third largest among publicly traded and private equity firms in Oregon.  Contact us today to find out why TPG is the fastest growing employee benefit firm in Oregon.




Trending Healthcare Topics: PATH-Protecting Americans from Tax Hikes Act

Trending Healthcare Topics

The Ever-Changing ACA (Affordable Care Act)

Updates on the Three ACA Taxes, Particularly the Cadillac Tax — One of the Most Significant Revenue Provisions to Fund the ACA!

Presentation Summary Part 1:
Recently two employee benefits experts presented to a couple hundred Northwest employers featuring ERISA attorney Iris Tilley from Barran Liebman, and Sarah Friend, Employee Benefits Consultant at The Partners Group. Iris Tilley advises employers in all aspects of employee benefits. She practices law in Oregon and Washington and often speaks and writes about employee benefits topics, including health care reform. Sarah Friend also regularly presents on the Affordable Care Act, having worked in the employee benefits business for over twenty years. According to Sarah, “I’m one of those strange folks who actually enjoys getting into this law and staying up to speed on the changes, the rules, and of course following all of the very interesting politics that go along with it!”

Significant changes to three ACA taxesThis article is designed to help keep employers informed and up-to-date:

PATH -‘Protecting Americans from Tax Hikes’ Act of 2015

  • 2016 Federal Budget Bill (PATH) & Its Effect on the ACA
  • What it is and what it signals

– Updates– Significant changes to three ACA taxes:

  • Health Insurance Industry tax (HIT) – Was supposed to be one of the biggest ACA revenue generators
  • Medical device tax
  • The Cadillac Tax or The High-cost plan tax (HCPT) – The big one!

The Cadillac Tax

Even though […]


ACA Reporting Update: Deadlines, Enforcement, Code Clarification

ACA Reporting – Deadlines extendeddreamstime_s_31655746-B&W-300x533

  • On Dec. 28, 2015, the IRS issued Notice 2016-4, delaying the due dates for ACA reporting
  • This reporting requires that applicable forms are delivered to both the IRS and individuals
    • The due date for furnishing forms to individuals has been extended from Feb. 1, 2016, to March 31, 2016.
    • The due date for filing forms with the IRS has been extended from Feb. 29, 2016, to May 31, 2016 (or, from March 31, 2016, to June 30, 2016, if filing electronically)
  • Section 6055- Health plan or minimum essential coverage (MEC) reporting
    • Supports the Individual Mandate: reporting will provide proof to subscribers of enrollment in coverage
    • Applies to providers of minimum essential coverage, such as health insurance issuers and employers with self-insured health plan
  • Section 6056- applies to applicable large employers (ALEs)
  • Supports the Employer Mandate; reporting will communicate to the IRS how the ALE is responding to the requirement to provide coverage, and also provide documentation of this response to all full-time employees
  • Generally applies to employers with 50+ full-time employees


Understanding Healthcare-200x311

1095-C statements

We have been hearing from a lot of employers who are in the phase of auditing their1095-C statements. They are wondering if they’re doing it right, whether they have produced them in-house or through a third party payroll vendor.

Code Confusion

We are seeing many questions based around the 1095-C statements, for example, “I’ve got this 1095-C for this employee and it is using Code IE, is that the right code?” We know you are all neck deep in 1095-C statements, and if you have specific questions please reach out to one of your TPG team members who can help you decode the confusion generated by these forms.


FORM 1094-C, Line 22 — Overview

  • Certifications of Eligibility
    • Qualifying Offer Method
    • Qualifying […]

Are the Stock Market Declines Causing You to Lose Sleep?


Are You Letting Your Emotions Jeopardize Your Future?

2016 sure started with a bang. In fact, it has been the worst start ever in a calendar year with the S&P 500 down -10% so far as of the end of January. What does the recent market selloff tell us? I believe it tells us markets are made up of emotional, not perfectly rational, people. The fundamentals haven’t changed much in two weeks, but people’s feelings about them have. Fears of a slowdown in China, the negative impact a rising US dollar has on companies selling overseas, and a severe depression in the energy sector (all risks that have been known for some time) have caused increased market jitters. Benjamin Graham, Warren Buffet’s mentor, famously said, “in the short run the market is a voting machine, but in the long run it is a weighing machine”. Said differently, short-term market movements are based on investor psychology and behavior, but fundamentals (i.e. company earnings, valuations, inflation, economic growth, etc.) drive the market in the long-term.

In volatile periods like this it’s always important to revisit personal goals and situations.

Are the declines in the market causing you to lose sleep? If so, there might be a disconnect between your portfolio and your risk tolerance. There are two parts that make up one’s risk tolerance. One is the ability to take risk. For example, if a substantial amount of a portfolio needed to be sold to cover spending goals over the next five years, the ability to take risk is low. The second part is willingness to take risk. How do you feel about portfolio declines and how would you react? If your answer is you couldn’t bear a decline and you would sell immediately, […]


The Partners Group is Pleased to Announce Benefit Partners is Now a Member of The Partners Group

The Same Team, Senior-Level Principal Engagement, and Focused Expertise…
And now with expanded capabilities, deeper expertise and enhanced analytics management

These are a few of the benefits resulting from the new affiliation between Benefit Partners and The Partners Group.

  • Comprehensive management of data and analytics
  • Broader resources for special projects
  • Deeper, focused expertise
  • Greater leverage with insurance carriers and other benefit providers

Nantz, Brad-web 150x210

Additionally, Brad Nantz has recently joined the executive staff to team up with Benefit Partners, by supporting and expanding this growing business that will continue to focus on meeting the needs of physician practices with employee benefits and insurance strategies.  Nantz is a seasoned veteran who has worked with three large national employee benefits carriers over the past 30 years; including MetLife, The Standard, and Unum.

Click here to read more about Brad.

Continuity and stability will be the cornerstones of the new combination:

Bruce Fraser

Benefit Partners

Brad Nantz
Benefit Partners

Holly Fraser-Witt
Benefit Partners

Steve Tagmyer
Benefit Partners

Barbara Swanson
Benefit Partners

And introducing new team members from The Partners Group:

Rod Cruickshank

President & CEO,
The Partners Group

Case Escher
Managing Partner of the Business Consulting Division,
The Partners Group

Karla Thommen
Vice President of the Business Consulting Division,
The […]


New Video– The Partners Group Overview

An overview video of The Partners Group by Rod Cruickshank, President and CEO

Double click for larger view

Founded in 1981, The Partners Group has been serving the financial and insurance needs of employers, medical professionals, and successful individuals for over 30 years. We are an independent consulting firm with services including employee benefits, business consulting, retirement planning, investment services, commercial and individual insurance. Although we have developed a national network and reputation, you can count on our local commitment and service. We deliver through the hard work of over 100 teammates, who tirelessly provide results greater than the sum of our parts. The Partners Group has offices in Portland, OR; Lake Oswego, OR; Bellevue, WA; Bend, OR; and Bozeman, MT.


New Seminar on Employee Retirement Plans

The Partners Group to Host Seminar on Corporate Employee Retirement Plans Covering Legislative Updates and Crucial Plan Design Options

PCS-Portland-Retirement-Planning-HR-As part of its seminar series, The Partners Group announces a breakfast seminar to be held on May 12th in Portland, OR, from 7:30-9:00 am entitled: The Lost Art of Retirement Plan Design – What Your Record Keeper Doesn’t Want You to Know.

This corporate retirement seminar is designed for Human Resource and Finance executives, business owners and plan trustees. Understanding what the retirement rules say is important and understanding how retirement rules affect your employer’s plan is even more important. This fast paced presentation highlights the potential ramifications of impending federal and state retirement initiatives. In addition, plan design issues and common concerns will be reviewed along with a frank discussion of why plan sponsors may not be getting the whole story on all the plan design options and features.

  • Subject: The Lost Art of Retirement Plan Design – What Your Record Keeper Doesn’t Want You to Know
  • Who should attend: Human Resource and Finance executives, business owners and Plan Trustees
  • Presenters: W. Andrew Larson, CPC Director of Retirement Education, Retirement Learning Center, LLC
  • When: May 12th, 2015, 7:30-9:00am. Registration begins at 7:15am.
  • Where: The Partners Group, 11740 SW 68th Parkway, first floor-OMA Conference Center
  • RSVP required: Register here
  • Additional details: Link to details on Website

Founded in 1981, The Partners Group has been serving the financial and insurance needs of employers, medical professionals, and successful individuals for over 30 years. We are an independent consulting firm with services including employee benefits, business consulting, retirement planning, investment services, commercial and individual insurance. Although we have developed a national network and reputation, you can count on our local commitment and service. We deliver through the hard work […]


The Partners Group Adds Scott Hagan to its Employee Benefits Consulting Team in Bellevue, Washington

Hagan-Scott-web-Employee-Benefits-Consultant-WABellevue, WA – March 16, 2015– The Partners Group announces it has added Scott Hagan as a Consultant to its Employee Benefits team in Bellevue, WA. Hagan will focus on providing employee benefits consulting services to employers in Washington State, with an emphasis on helping companies save on healthcare costs through innovative programs, as well as navigating through new regulations of the Affordable Care Act (ACA) and health care reform (HCR).

Hagan comes to The Partners Group with over 26 years of experience working in the employee benefits industry in the Northwest, both with insurance carriers and as a consultant at Mercer. Gary Alton, Managing Partner of the Employee Benefits Division of The Partners Group said “Scott Hagan brings a tremendous amount of marketplace knowledge to The Partners Group and is going to be a great addition to our team”.

Hagan most recently worked with Regence Blue Shield of Washington as the Director of Sales and prior to that he spent over twelve years at Mercer working with clients from 100 to 8,000 employees, where he focused on building benefit strategies that reduced costs, mitigated risk, and promoted a culture of health.   Hagan’s expertise lies in employee benefit program consulting with an emphasis on employee benefit health and welfare plans. According to Hagan, “I have had a tremendous positive response to my joining The Partners Group from the Seattle benefits community, and I’m very happy with this career move.”

Hagan is very active in local community organizations and professional associations. He is a member of the local chapters of the Society for Human Resource Management, Western Pension and Benefits Council, and the Employee Benefit Planning Association of Seattle. Over the last ten years, Hagan has held board positions with Sound Mental Health and […]


Oh Coverage, My Coverage – An Association Manager Navigates Insurance

Ryan-Stewart-Commercial-association-insuranceRyan Stewart, Commercial Insurance Executive at The Partners Group in Bellevue, WA was featured in The Community Associations Journal 

When the time comes for insurance renewal, managers and boards alike seem to have a gut-wrenching reaction when attempting to scratch the dense surface of their insurance policies. The terms, the conditions, the costs, and how they are calculated, the review of exclusions, the endorsements, all seem to be mutually exclusive with the panic felt when headed straight for an iceberg.

In my eight years serving as an association manager, I’ve never participated in a conversation with a colleague in which the sentence “l enjoy risk management, it’s my favorite thing” was ever uttered. This spring, when my highest asset value client (who l’d only been assigned to for a fresh 9o days) asked me to present their insurance proposals in lieu of inviting a broker to their meeting, I took pause. A round of smelling salts later, I realized the legwork I had to put into presenting my client with its options. Working closely with both the incumbent and another broker providing proposals,(in addition to what I’ve learned over the span of my career) gave me more confidence to comprehend and even convey the differences in each proposal. Your insurance brokers are your best allies and your best resources. I’ve learned surely there are no dumb questions about insurance. Most brokers and agents will assist in reviewing the proposals you’ve received, even if they are not bidding, as stewards of the condominium insurance industry.  Click here to view entire article in .PDF format.

About The Partners Group Founded in 1981, The Partners Group has been serving the financial and insurance needs of employers and successful individuals for over 30 […]


ACA January 2015 Webinar Now Available on Video

Overview of Employer ACA Reporting Requirements

Affordable Care Act Video Updatewebinar co-hosted by The Partners Group and ADP to help you prepare for the new employer reporting requirements under the sections 6055 and 6056 of the Affordable Care Act (ACA)

While the first employer reports will not be due until early 2016, this is a topic that requires your attention sooner rather than later. The reports issued in early 2016 will be required to capture information going back to January of 2015 so it is critical that employers understand the reporting requirements now to ensure all of the necessary data is being accurately tracked throughout 2015.

Click here to view


The Partner’s Group Awarded by Liberty Mutual and Safeco for a 50 Year Alliance

Celebrating a Long-Term and Beneficial Collaboration Rare to the Insurance Industry

The Partners Group, a leading Northwest based provider of commercial insurance, employee benefits, and retirement planning services, was honored by Liberty Mutual and Safeco for 50 years of collaboration.

The Commercial Insurance Division

From left to right: Paul Vlcek & Jordan Stair-TPG Account Executives; Mike Gano-TPG Managing Partner; Adam Olson & Chatrice Felix-Beza-Liberty Mutual; Kevin Lane-Account Executive, Bruce Kerr-Founding Partner


How Pharmacy Benefit Management Programs Can Help Employers Save Significantly on Healthcare Costs

Proactive and Progressive Approaches to Managing the Pharmacy Trend to Remain Profitable, Productive and Competitive

PBM in Portland and SeattlePharmacy benefit costs are the fastest growing segment of our national healthcare expenditures… rising at a rate faster than hospital care and physician services combined! In this whitepaper we explore how employers are achieving significant savings via a proprietary pharmacy benefit program, available via their self-funded health plan*.  Additionally, we’ve included recent case studies demonstrating 10% to 30% savings achieved through this program, plus an overview of the latest trends and new programs that will improve your healthcare program members’ Rx utilization while lowering your self-funded prescription expense.  Read more


Employee Benefits

The Employee Benefits Division of The Partners Group serves the employee benefit needs of over 500 West Coast employers, with offices in Portland, Lake Oswego, and Bend, OR; Bellevue, WA; and Bozeman MT. Our benefits consulting team specializes in providing a highly-consultative approach coupled with problem-solving wellness analytics, to help employers reduce healthcare costs, improve employee health, and create long-term health plan stability.

Business Consulting

The Business Consulting Division of The Partners Group is dedicated to consulting with healthcare systems and jumbo employers to manage the health and well being of their employees, families, and communities. Our focus is to provide an innovative, solution-oriented service that capitalizes on data to pinpoint potential problems. Whether it be uncovering potential sources of escalating healthcare costs, or other anomalies in data, this service provides endless, problem-solving advantages to a variety of industries.

Commercial Insurance

The Partners Group Commercial Insurance Division manages the business risks for hundreds of employers. We provide an unmatched depth and breadth in commercial insurance and risk management services combined with extraordinary people who possess an unusual ability to connect on a personal level. We work hard to understand the unique risks and exposures of your business, and identify the solutions to provide the right coverage for the right price. As an independent company The Partners Group can tailor solutions to work specifically for you, even creating new policies and programs, if that’s what you need.

Private Client Services

The Partners Group Private Client Services Division advises business owners and high income shareholder groups comprising just over 3,200 successful individuals, families and medical professionals on investment services, retirement planning, and personal insurance. We’ve been in business for over 30 years as a privately held company based in the Northwest, and we’re here to stay. Additionally, we are not tied to products and plans. We provide various platforms and a multitude of options to fit your needs, which can change over time as your life changes. When you work with TPG Private Client Services, you’re dealing with the shareholders of this firm, and we are honored to play a role your life, your family’s lives, and your next generation’s lives.