The Company Founded in 1985, Cowan Financial Group is one of New York’s leading resources for independent brokers that work with individuals to develop sound business, personal and corporate insurance and financial strategies. An award-winning company, Cowan Financial Group gives you and your clients access to a comprehensive set of best-in-class life insurance, disability income insurance and investment* products and services.As a former General Agency of Massachusetts Mutual Life Insurance Company (MassMutual), we were the top performing agency for nearly two decades. Our goal is still to help you design and implement financial strategies that meet your clients’ personal and business objectives. Our affiliation with Fifth Avenue Financial gives us access to a staff of seasoned professionals well versed in the intricacies of today’s myriad of investment* and insurance products. Cowan Financial Group is dedicated to providing informed, quality advice. We do this by spending time with you and your clients, as well as your clients’ accountants, attorneys and trust officers to identify challenges and offer the most effective solutions.Specifically, Cowan Financial Group supports you with an array of products and services that include:Estate Planning to help protect your clients’ assets and reduce excessive estate taxesBusiness Analysis and Executive Compensation focused on developing strategies to help your business owner clients protect their businesses and incomesRetirement Planning to help you prepare your clients for retirement with solutions to augment existing corporate and personal plansCollege Funding Strategies to meet the ever increasing challenge of paying education costsCharitable Giving lo maximize charitable donations while minimizing tax consequencesTraditional Insurance to meet your clients’ life and disability income insurance requirements with consideration to current constraints and future goalsIn addition to this, Cowan Financial Group has access to a full pension department, and through Fifth Avenue Financial - many other professionals on staff to assist you as you advise and guide your clients, and specialists who conduct regular seminars to keep you abreast of changes in regulations and how these may affect your financial planning efforts.Copyright© 2010 Cowan Financial Group. All rights reserved.’Securities offered through qualified Registered Representatives of MML Investors Services. LLC, Member SIPC. Supervisory Office: 90 Park Avenue, 17th fl, New York, NY 10016. Tel: (212) 536-6000Cowan Financial Group is not a subsidiary or affiliate of MML Investors Services, LLC.