September, 1976 - March, 1982:  I was hired by William M Mercer, a Marsh & McLennan company as an employee benefits consultant.  At the time Marsh was the world's largest insurance broker. I was involved with assisting employers with designing, administering and communicating group insurance plans. During my time at Mercer I was able to connect and learn from many of the actuaries and consultants. In addition, I was an individual life insurance specialist.  In this role I had responsibility to give advice to the corporate clients. There were many interesting situations in which I participated. Some of our clients would offer insurance related financial planning advice to their executives. Over a 6 year period I had recurring meetings with a wide range of clients for whom I became a trusted adviser. I enjoyed my work at Mercer. However, I had confidence in a vision that would allow me to establish my own insurance brokerage firm which had the possibility of allowing me to become more independent and I was hopeful I could improve my income.

March, 1982: President, Owner and insurance broker, Steven Persky & Associates, Ltd During these past years I have enjoyed assisting many clients with a wide range of insurance matters. I assist interested individuals to recognize the unique and important role that insurance can play in a reasonable and sound financial plan. In regards to employee benefits I advise employers on all aspects of their group insurance plans.  When the situation is conducive
I help the employer to recognize how modified self-insurance can play a role in reducing cost. Also, I act as an advocate for the employees.  I am active in educating and explaining the benefit choices for the employees.  I help the plan participants to understand and maximize the value of the plans offered by the employer.  Whatever the situation I strive to give the right advice. Sometimes the solution is easy and sometimes more complicated.  Either way, my experience and knowledge can help to create the best solutions possible.