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RENATTO! &nbsp;Thank you&nbsp;<br>
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<div style="margin-top: 0px; margin-bottom: 0px;"><b>Yours for life,</b><br>
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<p style="margin: 0in 0in 6pt; line-height: 12pt;">Daniel Hochler<br>
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<div>(Office)&nbsp;<a href="tel:646-638-9863" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="telephone" x-apple-data-detectors-result="1/1" style="text-decoration-color: rgba(0, 0, 0, 0.258824);">646-638-9863</a></div>
<div>(Cell)&nbsp;<a href="tel:516-712-9556" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="telephone" x-apple-data-detectors-result="1/2" style="text-decoration-color: rgba(0, 0, 0, 0.258824);">516-712-9556</a></div>
<div><a id="LPNoLP" href="mailto:Daniel_Hochler@fhfg.com" target="_blank">Daniel_Hochler@fhfg.com</a></div>
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<div><a class="OWAAutoLink" id="LPNoLP" href="https://money.usnews.com/money/personal-finance/saving-and-budgeting/articles/2018-05-24/what-should-your-insurance-agent-do-for-you"><b>*Check out the May 24th, 2018 U.S. News &amp; World Report article in which I
 was quoted.*</b></a></div>
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<div><b><a class="OWAAutoLink" id="LPNoLP" href="https://www.newsday.com/business/columnists/jamie-herzlich/small-business-insuring-against-loss-of-key-employees-1.10964005">*Check out the October 15th, 2015 Newsday article in which I was quoted.\u201d&nbsp;</a></b></div>
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<div>Forest Hills Financial Group</div>
<div><a href="x-apple-data-detectors://3/1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="address" x-apple-data-detectors-result="3/1" style="text-decoration-color: rgba(33, 33, 33, 0.258824);"></a><a href="x-apple-data-detectors://3/1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="address" x-apple-data-detectors-result="3/1" style="text-decoration-color: rgba(0, 0, 0, 0.258824);"></a><a href="x-apple-data-detectors://4/1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="address" x-apple-data-detectors-result="4/1" style="text-decoration-color: rgba(0, 122, 255, 0.258824);">122
 E. 42nd Street Suite 2200</a></div>
<div><a href="x-apple-data-detectors://4/1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="address" x-apple-data-detectors-result="4/1" style="text-decoration-color: rgba(0, 0, 0, 0.258824);">New York, NY 10168</a></div>
<div><a id="LPNoLP" href="http://www.fhfg.com/" target="_blank">www.fhfg.com</a></div>
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<div>Click here to learn why we need financial balance:</div>
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<div><a id="LPNoLP" href="http://www.thelivingbalancesheet.com/financialbalance" target="_blank">http://www.thelivingbalancesheet.com/financialbalance</a></div>
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<div>Financial Representative, The Guardian Life Insurance Company of America (Guardian), &nbsp;New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. &nbsp;Forest Hills Financial Group &nbsp;is not an affiliate or &nbsp;subsidiary of PAS or Guardian. PAS is a
 member FINRA, SIPC.&nbsp;</div>
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<blockquote type="cite">On Dec 5, 2019, at 4:41 PM, Daniel Hochler &lt;Daniel_Hochler@fhfg.com&gt; wrote:<br>
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My clients own a gym with personal trainers on the UES.&nbsp; The wife E-Mailed me today requesting the following:</div>
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&quot;<span style="color: rgb(50, 49, 48); font-family: &quot;Segoe UI&quot;, &quot;Segoe UI Web (West European)&quot;, &quot;Segoe UI&quot;, -apple-system, BlinkMacSystemFont, Roboto, &quot;Helvetica Neue&quot;, sans-serif; font-size: 15px; background-color: rgb(255, 255, 255); display: inline !important">I
 need your help...my managers are having issues communicating and delegating properly. Do you know any programs or people who could help teach my employees to be more effective when communicating professionally?&quot;</span></div>
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<strong><span style="margin:0px; color:rgb(0,112,192); font-family:&quot;Arial&quot;,sans-serif; font-weight:normal"><b><i><span style="color:rgb(0,111,201); font-family:&quot;Comic Sans MS&quot;,Chalkboard,cursive; font-size:14pt">Yours for &quot;Life</span></i><span style="color:rgb(0,111,201); font-family:&quot;Comic Sans MS&quot;,Chalkboard,cursive; font-size:14pt">&quot;</span></b><br style="">
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<strong><span style="margin:0px; color:rgb(32,56,100); font-family:&quot;Arial&quot;,sans-serif">Daniel Hochler</span></strong><span style="margin:0px; color:black; font-family:&quot;Calibri&quot;,sans-serif"><br>
</span><span style="margin:0px; color:rgb(127,127,127); font-family:&quot;Arial&quot;,sans-serif; font-size:10pt">Financial Representative</span></p>
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<b><span style="margin:0px; color:rgb(32,56,100); letter-spacing:-0.1pt; font-family:&quot;Arial&quot;,sans-serif">Forest Hills Financial Group</span></b><span style="margin:0px; color:black; font-family:&quot;Calibri&quot;,sans-serif"><br>
</span><span style="margin:0px; font-family:&quot;Arial&quot;,sans-serif; font-size:10pt">122 East 42<sup>nd</sup> Street
<span style="margin:0px">&nbsp;</span>I Suite 2200 I <span style="margin:0px">&nbsp;</span>New York, NY 10168<br>
O<span style="margin:0px; line-height:107%; font-family:&quot;Arial&quot;,sans-serif; font-size:10pt">.646.638.9863&nbsp; I&nbsp; C. 516.712.9556 &nbsp;<br>
</span></span><span style="margin:0px; font-family:&quot;Arial&quot;,sans-serif; font-size:10pt"><a><span style="margin:0px; color:windowtext; text-decoration:none">daniel_hochler@fhfg.com</span></a></span><br>
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<b><i style=""><span style="background:white; margin:0px; color:rgb(32,56,100); font-family:&quot;Arial&quot;,sans-serif; font-size:10pt">Click
<a class="OWAAutoLink" href="http://www.thelivingbalancesheet.com/financialbalance/">
here</a> to learn why we need financial balance.&nbsp;</span></i></b><br>
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<p style="margin-top: 0px; margin-bottom: 0px;margin:0px 0px 10.66px"></p>
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<p style="margin-top: 0px; margin-bottom: 0px;margin:0px 0px 10.66px"><b style=""><i style=""><span style="margin:0px; color:rgb(32,56,100); line-height:107%; font-family:&quot;Arial&quot;,sans-serif; font-size:10pt">Check out
<a class="OWAAutoLink" href="https://money.usnews.com/money/personal-finance/saving-and-budgeting/articles/2018-05-24/what-should-your-insurance-agent-do-for-you">
the May 24th, 2018</a> U.S. News &amp; World Report article in which I was quoted.&nbsp;</span></i></b></p>
<p style="margin-top: 0px; margin-bottom: 0px;margin:0px 0px 10.66px"><b style=""><i style=""><span style="margin:0px; color:rgb(32,56,100); line-height:107%; font-family:&quot;Arial&quot;,sans-serif; font-size:10pt">Check out
<u><font color="#000120"><a class="OWAAutoLink" href="https://www.newsday.com/business/columnists/jamie-herzlich/small-business-insuring-against-loss-of-key-employees-1.10964005">the October 15th, 2015</a></font></u> Newsday article in which I was quoted.&nbsp;</span></i></b></p>
<p style="margin-top: 0px; margin-bottom: 0px;margin:0px 0px 10.66px"><b style=""><i style=""><span style="margin:0px; color:rgb(32,56,100); line-height:107%; font-family:&quot;Arial&quot;,sans-serif; font-size:10pt"></span></i></b></p>
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<span style="margin:0px; color:rgb(127,127,127); font-family:&quot;Arial&quot;,sans-serif; font-size:8pt">Financial Representative, The Guardian Life Insurance Company of America (Guardian),&nbsp;New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. &nbsp;Forest
 Hills Financial Group is not an affiliate or subsidiary of PAS or Guardian. PAS is a member FINRA, SIPC.</span></p>
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<span style="margin:0px; color:rgb(127,127,127); font-family:&quot;Arial&quot;,sans-serif; font-size:8pt">The Living Balance Sheet<sup>®</sup>&nbsp;and The Living Balance Sheet<sup>®</sup>&nbsp;Logo are registered service marks of The Guardian Life Insurance Company of America
 (Guardian), New York, NY.&nbsp;© Copyright 2005-2018 Guardian.</span><br>
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<a class="OWAAutoLink" href="http://Fhfg.com"></p>
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</a>&nbsp; <a class="OWAAutoLink" href="http://reviews.greatplacetowork.com/forest-hills-financial-group">
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</a>&nbsp; <a class="OWAAutoLink" href="https://www.linkedin.com/in/daniel-a-hochler-a4b31a56/">
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</a><a class="OWAAutoLink" href="http://thelivingbalancesheet.com/scorecard">
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