We represent all of the major insurance carriers in the group insurance market, including Horizon BCBS, Cigna, Aetna, Oxford, United Healthcare, UNUM and Metlife.

What Makes Us Different?

We're large enough to have the necessary expertise in the employee benefits field and to market your programs to many leading insurance carriers; yet one that offers local service and a careful analysis of your benefits to tailor a plan that meets your needs. We give you the proper attention and service that you and your employees deserve.

Below is information on our representatives:

A. Scott Douglas

Scott Douglas has been sharing employee benefits management expertise with clients for more than 14 years. As a part of the Wharton Group, he is a professional insurance advisor to employers and corporations on employee benefit programs; including medical life, disability and pension/retirement programs.

Scott also advises individuals and business owners on estate planning and business continuation needs.

Prior to joining the Wharton Group, Scott was a Sales Executive with United Healthcare, one of the nation's largest managed care companies. He began his insurance career in 1987 with MetLife and has held several management positions with large managed care organizations.

Professional involvement:

• Member of the National Association of Health Underwriters
• Member of the International Foundation of Employee Benefit Plans
• Licensed Insurance Producer in New Jersey, New York and Pennsylvania and Maryland.

Scott is married and he and his wife, Lynne, have three children. He received a B.A. in Management from Gettysburg College 1987. They reside in Mendham Township, New Jersey.

You can contact him at sdouglas@whartonfinancial.com

Peter J. Rosky

Peter Rosky has been sharing risk management expertise with clients for more than 12 years. As part of the Wharton Group, he is a professional insurance advisor to employers and corporations on employee benefit programs including: medical, disability, life and pension/retirement programs.

Peter also advises business owners on individual business continuation and estate planning needs.

Prior to joining the Wharton Group, Peter was the Northeast regional manager for Arioso Corporation , an internet based employee benefits software company. He began his career immediately after college in 1989 as an agent for Metropolitan Life Insurance Company and has held several management positions with large managed care organizations.

Professional involvement:

• Member of the National Association of Health Underwriters
• Member of the National Association of Insurance and Financial Advisors
• Licensed Insurance Producer in New Jersey, New York and Pennsylvania
• Treasurer of Manor II Condo Association, Parsippany NJ

Peter is married with two children and lives in Wayne, New Jersey.
You can contact him prosky@whartonfinancial.com

Robert R. Gada

Bob Gada has been sharing risk management expertise with clients for more than 25 years. As part of the Wharton/Lyon & Lyon firm he is a consultant to employers and corporations on employee benefit programs including medical, disability and life insurance and 401K retirement plans. A licensed NASD representative, Bob also can consult with clients on mutual funds and investments.

Bob joined Wharton through a 1988 merger and is vice president of Wharton Financial Services, of subsidiary of Wharton/Lyon & Lyon. Prior to this, he served as president of SBG Corp., responsible for the employee benefits and life divisions. Bob started his career as an agent with Metropolitan Life Insurance Company, after serving four years of active duty with the U.S. Navy.

Professional involvement:

Active in insurance issues and legislation, Bob participates and has held leadership roles in a number of industry organizations:

• Past president for the New Jersey Association of Health Underwriters
• Member of the National Association of Insurance and Financial Advisors
• Member of the New Jersey Legislative Committee on Health Insurance Reform
• Marketing consultant for the New Jersey "Individual Health Coverage Board"
• Member of the New Jersey Individual Health Coverage Board
• Member of the New Jersey Insurance Commissioner Advisory Board of Life and Health Insurance
• Board of Directors for the New Jersey Association of Health Care Facilities and member of its Legislative Services Committee
• Participant on the New Jersey Small Employer Health Coverage Board
• Member of New Jersey Sate Workers Compensation Task Force on Managed Care Organizations Certification Procedures.
• Instructor for Continuing Education on health insurance fraud and abuse for New Jersey licensed agents and brokers
• Life member of the Life Insurance Million Dollar Round Table, the highest achievement in the Life Insurance Industry

Bob's insight and experience make him a trusted partner in helping his clients manage risk and ensure long-term success.

You can contact him at rgada@whartonfinancial.com

Larry is married and resides in Livingston, New Jersey. He graduated from the University of North Carolina with a B.S. in Business.

Larry has been sharing insurance expertise with clients since 1970, and has been a member of the Million Dollar Round Table for over twenty years. Larry specializes in Employee Benefits, including Business Continuation Planning, Executive Benefits, Disability Income issues and Long-Term Care.

Prior to joining the Wharton Group in 1979, Larry was a manager with Aetna Life & Casualty.

• Member, National Association of Insurance and Financial Advisors
• Member, Association of Advanced Life Underwriters
• Member, National Association of Health Underwriters
• Member, Million Dollar Round Table Honor Roll

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