Financial & Wealth

[{id=97611184735, createdAt=1673033407941, updatedAt=1673038215257, 1='{type=string, value= Matthew Friedson}', 2='{type=string, value=National Life Insurance Practice Leader}', 3='{type=string, value=https://www.linkedin.com/in/matthew-friedson-63088381/}', 4='{type=image, value=Image{width=500,height=500,url='https://20256628.fs1.hubspotusercontent-na1.net/hubfs/20256628/Matthew%20Friedson.png',altText='',fileId=null}}', 5='{type=string, value=

Matthew Friedson joined Risk Strategies in 2022 as the National Life Insurance Practice Leader.  He is responsible for developing and leading the national growth strategy for the Life Insurance practice.   

Matthew has more than 15 years of experience specializing in complex insurance applications of estate and business planning, educating clients and helping them to develop and implement powerful strategies to meet their objectives. He spent nine years as a senior adviser with a mid-Atlantic (DC) area brokerage and consulting firm where he specialized in private client services, advising clients across the country on wealth transfer and tax planning strategies, as well as business succession planning. During the last five years, he also held a principal role for a boutique private client personal lines property and casualty firm.   

Matthew holds a marketing degree from the University of Maryland’s Robert H. Smith School of Business and a Series 6 securities license. He is a member of the National Young Leadership Cabinet of the Jewish Federations of North America and previously served on the board of the Jewish Federation of Greater Washington for five years.

For six consecutive years including 2022, Matthew has been awarded the ‘Best Financial Adviser: Insurance’ designation by the Washingtonian. In 2018, he received the NAIFA Advisor Today’s 4 Under 40 Award.

Securities offered through Lion Street Financial, LLC. (LSF), Member FINRA/SIPC.  Risk Strategies is not affiliated with LSF.

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Michael Waters serves as Managing Director in the Financial & Wealth Services division of Risk Strategies. He brings more than 35 years of financial services experience to his clients with a focus on employee benefits, wealth management, and retirement plan services. 

Michael started his career with Profit and Pension Planners inc., a retirement plan consulting firm in 1985 and became a partner in 1989. In 2003, Michael was one of the founding members of TSG Financial LLC, a full-service employee benefits and Financial Services consultant and broker. TSG Financial was acquired by Risk Strategies in 2016. 

Michael strives to provide highly-responsive, personalized strategies to sophisticated clients who desire holistic financial counsel. He believes in developing long-term partnerships with his clients who benefit from competitive, transparent pricing, appropriate products, and personalized guidance. Michael works closely with the Private Equity and Employee Benefits teams to deliver retirement plan solutions which complement the overall corporate programs at Risk Strategies. 
 
Michael earned a Bachelor of Arts degree from Binghamton University. He is a chartered life underwriter, CLU, and Chartered Financial Consultant. 

Securities offered through Securities America, Inc., Member FINRA/SIPC, and Investment Advisory services offered through Securities America Advisors, Inc., a Registered Investment Advisor. TSG Financial and Risk Strategies are not affiliated with the Securities America companies.

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Stuart Youngentob has served as a Managing Director since 1993.  He specializes in the creative application of life insurance solutions and corporate benefit plans, providing business owners, executives and professionals with innovative approaches and exceptional service to enhance their financial futures.

Prior to his Managing Director role, Stuart was the Founder / Director of Revere Bank (formerly Monument Bank) for 12 years.  He also worked at PricewaterhouseCoopers for three years.

Stuart is a Washington, D.C. Estate Planning Council Member and earned his Juris Doctor (J.D.) degree in Tax from the Emory University School of Law.  He also holds an MBA in accounting and finance from Emory University’s Goizueta Business School and a BA in economics and political science from the University of Rochester.

Securities offered through Lion Street Financial, LLC. (LSF), Member FINRA/SIPC, and Investment Advisory services offered through Lion Street Advisors, LLC (LSA), a Registered Investment Advisor. Risk Strategies is not affiliated with LSF or LSA.

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Howard Zodicoff serves as Managing Director in the Financial & Wealth Services division of Risk Strategies. He brings three decades of financial services experience to his clients and was a business owner prior to joining the firm. 

In 1996, Howard merged his firm with Standard Pension Services, LLC, and has been an integral part of the firm’s growth. In June 2020, Howard became President of Standard Pension Services, LLC. In September 2022, the firm joined Risk Strategies adding to the company’s existing financial service capabilities, with a focus on retirement planning. 

Howard specializes in providing solutions in all areas of wealth management, retirement plan design/administration and corporate benefits for individuals and companies. He is committed to transparency, thoughtfulness, and being available to his clients. Howard strives to build personal relationships with every client he serves. Aside from his credentials and considerable experience, his clients appreciate Howard’s dedication, diligence, and the personal interest he takes to best accomplish their goals.

Howard earned a bachelor’s degree in Business Administration and Management from State University of New York College at Old Westbury. He holds a series 6 and 7 securities license as well as life and health insurance.

Howard lives in Roslyn, New York, with his wife, daughters, and dog. In his free time, he enjoys skiing and traveling.

Investment Advisory services provided through Aurora Private Wealth, Inc., a Registered Investment Advisor.  Certain representatives of Aurora Private Wealth are also Registered Representatives offering securities through APW Capital, Inc., Member FINRA/SIPC.

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[{id=187918185375, createdAt=1743000928060, updatedAt=1743005600094, 1='{type=string, value=Sample California Bond}', 2='{type=string, value=Varies}', 3='{type=string, value=#}', 4='{type=string, value=Learn more}', 5='{type=option, value={id=1, name='california', order=0, label='California'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=

Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.

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Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.

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$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Mandatory for new and used vehicle dealers and wholesalers.}'}, {id=188601390620, createdAt=1744198475045, updatedAt=1744198475045, 1='{type=string, value=Barber School Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures barber schools adhere to contractual and professional obligations.}'}, {id=188601390621, createdAt=1744198475046, updatedAt=1744198475046, 1='{type=string, value=Beauty Pageant Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantees that beauty pageant organizers fulfill their contractual commitments.}'}, {id=188601390622, createdAt=1744198475047, updatedAt=1744198475047, 1='{type=string, value=Bid Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Serve as financial assurance for certain contract bid proposals, especially large-scale projects.}'}, {id=188601390623, createdAt=1744198475048, updatedAt=1744198475048, 1='{type=string, value=Broker-Dealer, Investment Adviser, or Agent of the Issuer Bond}', 2='{type=string, value=$1,000 - 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$150,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure compliance with CACFP regulations for meal service providers.}'}, {id=188601390627, createdAt=1744198475052, updatedAt=1744198475052, 1='{type=string, value=Cigarette Stamp Deputy Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for deputies overseeing cigarette stamp distribution and compliance.}'}, {id=188601390628, createdAt=1744198475053, updatedAt=1744198475053, 1='{type=string, value=City of Maumelle Solicitor Bond}', 2='{type=string, value=$1,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary for solicitors operating within Maumelle to ensure adherence to local ordinances.}'}, {id=188601390629, createdAt=1744198475054, updatedAt=1744198475054, 1='{type=string, value=City of Texarkana License and Permit Bond}', 2='{type=string, value=$2,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for businesses in Texarkana to guarantee compliance with municipal regulations.}'}, {id=188601390630, createdAt=1744198475055, updatedAt=1744198475055, 1='{type=string, value=CLB Commercial Contractor License Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for contractors undertaking commercial projects valued at $50,000 or more.}'}, {id=188601390631, createdAt=1744198475056, updatedAt=1744198475056, 1='{type=string, value=CLB Financial Statement Contractor Bond}', 2='{type=string, value=$50,000 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$375}', 7='{type=string, value=For contractors unable to provide financial statements meeting state net worth criteria.}'}, {id=188601390632, createdAt=1744198475057, updatedAt=1744198475057, 1='{type=string, value=CLB Subcontractor License Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for subcontractors with contracts of $2,000 or more with unlicensed contractors.}'}, {id=188601390633, createdAt=1744198475058, updatedAt=1744198475058, 1='{type=string, value=Coin Operated Amusement Machine Operator Bond}', 2='{type=string, value=$6,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary for operators of coin-operated amusement machines.}'}, {id=188601390634, createdAt=1744198475059, updatedAt=1744198475059, 1='{type=string, value=Coin Operated Cigarette Machine Operator’s Bond}', 2='{type=string, value=$2,000 - $6,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for operators of coin-operated cigarette machines to ensure regulatory compliance.}'}, {id=188601390635, createdAt=1744198475060, updatedAt=1744198475060, 1='{type=string, value=Collection Agency Bond}', 2='{type=string, value=$10,000 - $25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for entities collecting debts to ensure ethical practices.}'}, {id=188601390636, createdAt=1744198475061, updatedAt=1744198475061, 1='{type=string, value=Combative Sports Bond}', 2='{type=string, value=$20,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for organizers of combative sports events to ensure adherence to regulations.}'}, {id=188601390637, createdAt=1744198475062, updatedAt=1744198475062, 1='{type=string, value=Contractor License Bonds}', 2='{type=string, value=$100 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required by the state and some cities for licensed contractors to ensure compliance with building codes.}'}, {id=188601390638, createdAt=1744198475063, updatedAt=1744198475063, 1='{type=string, value=CPEO Bonds}', 2='{type=string, value=$50,000 - $1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for Certified Professional Employer Organizations at the federal level.}'}, {id=188601390639, createdAt=1744198475064, updatedAt=1744198475064, 1='{type=string, value=Credit Repair Services Organization Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Ensure credit repair companies adhere to state regulations and protect consumers.}'}, {id=188601390640, createdAt=1744198475065, updatedAt=1744198475065, 1='{type=string, value=DMEPOS (Medicare) Bonds}', 2='{type=string, value=$50,000 - $1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$275}', 7='{type=string, value=Required for suppliers of durable medical equipment participating in Medicare.}'}, {id=188601390641, createdAt=1744198475066, updatedAt=1744198475066, 1='{type=string, value=ERISA Bonds}', 2='{type=string, value=$10,000 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Protect employee benefit and retirement plans managed by fiduciaries.}'}, {id=188601390642, createdAt=1744198475067, updatedAt=1744198475067, 1='{type=string, value=Federal Maritime Commission Bonds}', 2='{type=string, value=$50,000 - $75,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$625}', 7='{type=string, value=Required for Ocean Transportation Intermediaries by the FMC.}'}, {id=188601390643, createdAt=1744198475068, updatedAt=1744198475068, 1='{type=string, value=Fish and Game License Agent Bond}', 2='{type=string, value=$1,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary for agents selling hunting and fishing licenses to ensure proper handling of funds.}'}, {id=188601390644, createdAt=1744198475069, updatedAt=1744198475069, 1='{type=string, value=Freight Broker Bond (BMC-84)}', 2='{type=string, value=$75,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required by the FMCSA for freight brokers and forwarders in the U.S.}'}, {id=188601390645, createdAt=1744198475070, updatedAt=1744198475070, 1='{type=string, value=Fuel Tax Bonds}', 2='{type=string, value=$1,000 - $800,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for fuel sellers to maintain licensing under the IFTA.}'}, {id=188601390646, createdAt=1744198475071, updatedAt=1744198475071, 1='{type=string, value=H-2A Farm Labor Contractor Bonds}', 2='{type=string, value=$5,000 - $150,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for farm labor employers participating in the H-2A program.}'}, {id=188601390647, createdAt=1744198475072, updatedAt=1744198475072, 1='{type=string, value=Household Pest and Rodent Control Bond}', 2='{type=string, value=$50,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$375}', 7='{type=string, value=Ensure pest control companies comply with state regulations.}'}, {id=188601390648, createdAt=1744198475073, updatedAt=1744198475073, 1='{type=string, value=HUD Manufactured Housing Installer Bonds}', 2='{type=string, value=$10,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for installers of manufactured housing under HUD guidelines.}'}, {id=188601390649, createdAt=1744198475074, updatedAt=1744198475074, 1='{type=string, value=Janitorial Cleaning Service Bonds}', 2='{type=string, value=$10,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Protect clients against employee theft for janitorial services.}'}, {id=188601390650, createdAt=1744198475075, updatedAt=1744198475075, 1='{type=string, value=Lost Instrument Bonds}', 2='{type=string, value=$50 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required before issuing duplicates of lost financial certificates.}'}, {id=188601390651, createdAt=1744198475076, updatedAt=1744198475076, 1='{type=string, value=Maintenance Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Protect project owners from damages due to faulty construction post-completion.}'}, {id=188601390652, createdAt=1744198475077, updatedAt=1744198475077, 1='{type=string, value=Medallion Signature Guarantee (STAMP) Bonds}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for participants in the Securities Transfer Agents Medallion Program.}'}, {id=188601390653, createdAt=1744198475078, updatedAt=1744198475078, 1='{type=string, value=Money Transmitter Bond}', 2='{type=string, value=$50,000 - $300,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$750}', 7='{type=string, value=Mandatory for money transmitters to ensure compliance with financial regulations.}'}, {id=188601390654, createdAt=1744198475079, updatedAt=1744198475079, 1='{type=string, value=Mortgage Broker, Banker, and/or Servicer Bond}', 2='{type=string, value=$100,000 - $200,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$750}', 7='{type=string, value=Required for licensed mortgage loan brokers, bankers, or servicers.}'}, {id=188601390655, createdAt=1744198475080, updatedAt=1744198475080, 1='{type=string, value=New Motor Vehicle Dealer Bond}', 2='{type=string, value=$25,000 - $50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$125}', 7='{type=string, value=Required for dealers selling new vehicles in Arkansas.}'}, {id=188601390656, createdAt=1744198475081, updatedAt=1744198475081, 1='{type=string, value=New Motorcycle, ATV, Scooter, Utility Vehicle or Lessor Bond}', 2='{type=string, value=$25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for dealers selling new motorcycles, ATVs, scooters, utility vehicles, or acting as lessors.}'}, {id=188601390657, createdAt=1744198475082, updatedAt=1744198475082, 1='{type=string, value=North Little Rock Contractor Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for contractors applying for commercial building permits in North Little Rock.}'}, {id=188601390658, createdAt=1744198475083, updatedAt=1744198475083, 1='{type=string, value=Notary Bond}', 2='{type=string, value=$7,500}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for individuals who authenticate signatures and administer oaths.}'}, {id=188601390659, createdAt=1744198475084, updatedAt=1744198475084, 1='{type=string, value=Open-Cut Land Reclamation Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures compliance with land reclamation regulations for open-cut mining operations.}'}, {id=188601390660, createdAt=1744198475085, updatedAt=1744198475085, 1='{type=string, value=Oversize and Overweight Hauling Permit Bond}', 2='{type=string, value=$1,000 - $10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for entities transporting oversize or overweight loads to ensure adherence to permit conditions.}'}, {id=188601390661, createdAt=1744198475086, updatedAt=1744198475086, 1='{type=string, value=Paid Solicitor Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$150}', 7='{type=string, value=Necessary for paid solicitors to guarantee ethical fundraising practices.}'}, {id=188601390662, createdAt=1744198475087, updatedAt=1744198475087, 1='{type=string, value=Payment Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure contractors pay subcontractors and suppliers, especially on public property projects.}'}, {id=188601390663, createdAt=1744198475088, updatedAt=1744198475088, 1='{type=string, value=Performance Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantee completion of contractual obligations, particularly in large public construction projects.}'}, {id=188601390664, createdAt=1744198475089, updatedAt=1744198475089, 1='{type=string, value=Perpetual Care Cemetery Fidelity Bond}', 2='{type=string, value=$1,000 - $250,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures proper management of funds for perpetual care cemeteries.}'}, {id=188601390665, createdAt=1744198475090, updatedAt=1744198475090, 1='{type=string, value=Private Career Education School Bond}', 2='{type=string, value=$5,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$37}', 7='{type=string, value=Required for private career education schools to ensure compliance with state regulations.}'}, {id=188601390666, createdAt=1744198475091, updatedAt=1744198475091, 1='{type=string, value=Private Employment Agency Bond}', 2='{type=string, value=$5,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Ensures private employment agencies adhere to state laws and protect clients.}'}, {id=188601390667, createdAt=1744198475092, updatedAt=1744198475092, 1='{type=string, value=Probate & Estate Bonds}', 2='{type=string, value=Varies}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for fiduciaries and estate administrators to ensure fulfillment of legal duties.}'}, {id=188601390668, createdAt=1744198475093, updatedAt=1744198475093, 1='{type=string, value=Process Server Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for individuals serving legal documents to ensure ethical conduct.}'}, {id=188601390669, createdAt=1744198475094, updatedAt=1744198475094, 1='{type=string, value=Professional Employer Organization Bond}', 2='{type=string, value=$100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$1,000}', 7='{type=string, value=Required for organizations providing employee leasing services to ensure compliance with regulations.}'}, {id=188601390670, createdAt=1744198475095, updatedAt=1744198475095, 1='{type=string, value=Public Official Bonds}', 2='{type=string, value=$1,000 - $2,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensure public officials perform their duties ethically and in accordance with the law.}'}, {id=188601390671, createdAt=1744198475096, updatedAt=1744198475096, 1='{type=string, value=Residential Roofing Contractor Bond}', 2='{type=string, value=$15,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for roofing contractors undertaking projects over $2,000 to ensure compliance with standards.}'}, {id=188601390672, createdAt=1744198475097, updatedAt=1744198475097, 1='{type=string, value=Right of Way Bonds}', 2='{type=string, value=$1,000 - $500,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Necessary before performing construction work on publicly owned right of ways.}'}, {id=188601390673, createdAt=1744198475098, updatedAt=1744198475098, 1='{type=string, value=Scholarship Uniform Lottery Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$50}', 7='{type=string, value=Required for entities selling lottery tickets or using lottery equipment to ensure proper fund management.}'}, {id=188601390674, createdAt=1744198475099, updatedAt=1744198475099, 1='{type=string, value=State Highway and Transportation Department Contract Bond}', 2='{type=string, value=$1,000 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures contractors fulfill obligations on state highway and transportation projects.}'}, {id=188601390675, createdAt=1744198475100, updatedAt=1744198475100, 1='{type=string, value=Subdivision Bonds}', 2='{type=string, value=$1,000 - $10,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required before initiating construction in subdivisions to ensure completion of public infrastructure.}'}, {id=188601390676, createdAt=1744198475101, updatedAt=1744198475101, 1='{type=string, value=Summer Food Service Program Bond}', 2='{type=string, value=$1,000 - $200,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Ensures compliance with regulations for providers of summer food services to children.}'}, {id=188601390677, createdAt=1744198475102, updatedAt=1744198475102, 1='{type=string, value=Supply Bond}', 2='{type=string, value=$1,000 - $25,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Guarantees suppliers fulfill contracts to provide materials or supplies.}'}, {id=188601390678, createdAt=1744198475103, updatedAt=1744198475103, 1='{type=string, value=Surplus Lines Insurance Broker/Producer Bond}', 2='{type=string, value=$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for brokers dealing with surplus lines insurance to ensure compliance with state laws.}'}, {id=188601390679, createdAt=1744198475104, updatedAt=1744198475104, 1='{type=string, value=Third Party Administrator Bond}', 2='{type=string, value=$25,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Ensures third-party administrators manage funds and claims in accordance with regulations.}'}, {id=188601390680, createdAt=1744198475105, updatedAt=1744198475105, 1='{type=string, value=Towing and Recovery Bond}', 2='{type=string, value=$50,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$250}', 7='{type=string, value=Required for towing and recovery operators to ensure ethical business practices.}'}, {id=188601390681, createdAt=1744198475106, updatedAt=1744198475106, 1='{type=string, value=TTB Tobacco Bonds}', 2='{type=string, value=$100 - $250,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Mandatory for businesses manufacturing or exporting tobacco products to ensure tax compliance.}'}, {id=188601390682, createdAt=1744198475107, updatedAt=1744198475107, 1='{type=string, value=Used Tire Transporter Bond}', 2='{type=string, value=$10,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$100}', 7='{type=string, value=Required for transporters of used tires to ensure proper disposal and environmental compliance.}'}, {id=188601390683, createdAt=1744198475108, updatedAt=1744198475108, 1='{type=string, value=USTOA Indemnity Bonds}', 2='{type=string, value=$1,000,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=Subject to Underwriting}', 7='{type=string, value=Required for active members of the USTOA $1 Million Travelers Assistance Program to protect consumers.}'}, {id=188601390684, createdAt=1744198475109, updatedAt=1744198475109, 1='{type=string, value=Utility Bond}', 2='{type=string, value=$100 - $100,000}', 5='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', 6='{type=string, value=$40}', 7='{type=string, value=Required by utility companies to ensure timely payment of utility bills by customers.}'}]