Welcome to TSG Financial

Shouldn’t the people you entrust with your wealth first and foremost be risk-managers?

More and more of America’s financial elite are seeking a holistic approach to the creation, growth, and protection of wealth. For those forward-thinking entrepreneurs, a more integrated offering that includes wealth management as well as insurance services is simply common sense.

At TSG Financial, we combine exclusive insurance products with knowledgeable professional counsel to provide you with comprehensive financial services.

Through our connections with diverse insurance providers, we have access to top-of-the-line personal and business insurance products. Our responsive team members are committed to answering all of your insurance questions to enable you to make informed decisions regarding the protection of your assets.

We tailor your personal insurance to meet your individual needs. Our modular life, disability, and long-term care products can be tailored to protect your resources through all of life’s insecurities.

With our expert professional guidance, you’ll be able to protect your employees and your business’ profits without compromising either. Our customizable corporate coverage products - from employee health insurance to disability insurance - provide scalable protection that will grow with your business.

Our wealth management services offer you not only unique opportunities to create and grow your wealth, but to secure your assets, your business, your family, and your future.

Find out why TSG Financial’s clients have consistently recommended our services to their friends and colleagues. Call today to begin building a long-term relationships that you can place all of your trust in.

 

About Us

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TSG Financial provides highly-responsive, personalized strategies to sophisticated clients who desire holistic financial counsel. Our services include risk management, insurance, financial services, and employee benefits. ...

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Group Benefits

Our Affordable Care Act experts are your advocates.

Group Benefits

You’re not alone if you struggle with the complexities of current group employee benefits trends and practices. Tectonic changes in employee benefits have made what was already a challenging decision-making process even more confounding for employers.

Recent employee benefits changes affecting employer decision-making:

  • The Patient Protection and Affordable Care Act (PPACA) 

  • Reform of small group insurance programs
  • Growth of self-insured, alternative funding mechanisms 

  • Explosion of employee-funded voluntary benefits
  • Wage Parity
  • Self-insured vs fully insured
  • Reference based pricing 

Through creativity, cost control, and employee communication, our specialists customize a solution that meets both the needs of your employees and your business’ bottom line.

We explain complex ideas in easy-to-understand terms for you and your employees. As your understanding increases, you are empowered to make better, more progressive choices.

Our lines of coverage include:

  • Health Insurance
  • Dental Insurance
  • Long and Short Term Disability Insurance
  • Life and Accidental Death/Dismemberment Insurance
  • Vision Insurance
  • Employee Assistance Programs (EAP)
  • Accident Insurance
  • Specified Disease Insurance

Guaranteed ERISA and ACA compliance

Consultations with you, your attorney, and your accountant allow TSG Financial to ensure you are in compliance with ERISA and ACA. You’ll gain insight into your areas of exposure, and we’ll work together to control and address them.

Our guidance will make short work of your ERISA wrap documents and Form 5500, ACA testing for eligibility and Applicable Large Employer (ALE) status, effectively and efficiently satisfying your responsibility to employees.

Useful Resources

 

When you’re making decisions regarding your employees’ health care, conflicting information is a source of confusion and frustration. At TSG Financial, we have partnered with CITYMD and MobileHealth to provide a low-...

Wealth Management

We make a complicated financial world simpler.

Wealth Management

You’ve worked hard to build a lifestyle that you can be proud of. You’ve created a secure future for yourself and your family. What can TSG Financial add to your portfolio?

A partnership with our high-caliber financial advisors will empower you to continue on your trajectory of profitable investments and sound decision-making. As the global economy becomes more complex, making informed decisions becomes more complicated. Our consultants reveal innovative financial options in transparent, straightforward terms.

We help you plot the course between your current condition and your desired destination by exploring both your financial and your emotional positioning. Through clear guidance and manageable strategies, we make even the most complex situations accessible.

Through innovative asset allocation, investment management, and financial planning, we prepare our clients for the opportunities that awaits them. Whether your goal is to continue growing your wealth, to transfer your wealth during your lifetime, or to pass wealth on for posterity, we can illuminate your path.

Securities offered through Securities America, Inc., Member FINRA/SIPC and advisory services through Securities America Advisors, Inc., TSG Financial, LLC and the Securities America companies are not affiliated.

Personal Insurance

Choose the right protection for you and your family.

Personal Insurance

It’s not uncommon for people to purchase insurance plans without thoroughly understanding what they’re getting. The sheer number of options and add-ons can leave even the most savvy consumer confounded, and changes in the insurance industry have not made it easier to make informed decisions.

As independent insurance professionals, TSG Financial has the luxury of solving your problems rather than simply selling you products. We provide education and insight regarding available alternatives and comprehensive reviews of your home, auto, and umbrella coverages. Our solutions are tailored to meet your unique needs.

Whether the conversation turns to life, disability, long term care or your risk concerns, we’ll help you make the right choice for your family.  

 

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As a full-lines insurance agency, we are able to assist you with not only your personal insurance needs but also your business ones.  At TSG Financial we have both the expertise and experience as risk managers to protect your business...

TSGF Homecare Specialty Group

Homecare Specialty Group

In 1997, an active group of downstate New York homecare providers partnered with TSG Financial to find solutions to problems that they encountered regularly in their profession.
With each new solution, problems transformed into opportunities. Embracing this successful partnership, we formed the TSG Financial Home Care Specialty Group in 2003.

Paul Essner and Bryan Pendrick now organize and actively work with the homecare community throughout the Northeast on a range of employee benefit solutions designed to properly reflect the challenge of insuring HHAs, PCAs, Professional Staff, Administrative Staff and Executives.  Amongst our community credentials:

  • Board of Directors – New York State Association of Health Care Providers (HCP)
  • Board of Directors - Community Health Care Services Foundation
  • Board of Directors – HCP PAC
  • Advisory Committee – Health Care Association New York State  PAC
  • Member Health Care Association New York State (HCA)
  • Member New York State Association of Health Care Providers (HCP)
  • Chapter Members – Long Island, Hudson Valley and New York City

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