The holidays are always a special time when family and friends come together to celebrate the season. It is also an opportunity to reflect on a year gone by and give thanks. I am very fortunate to be able to work with engaged and committed people like you, and to benefit from your counsel and friendship. I wish you and your families a wonderful holiday season and a New Year full of health, happiness, and prosperity.

Sincerely,

Mitch Livingston
President & CEO
NJM Insurance Group