South Texas financial professional Harold ''Joe'' Skarda Jr. CLU, LUTCF has once again brought home to San Antonio's Sapient Financial Group a membership in NAIFA's Texas Leaders Round Table. (CRN201206-136289)

Most of our clients come to us with several insurance policies, an existing retirement plan, various investments*, and a nagging concern that things could be in better shape. We work as financial fitness coaches; assessing the current situation, listening to your goals and helping you develop coordinated strategies to achieve them.
Sapient Financial Group is a member of the MassMutual Financial Group.
210-384-5311
CRN201205-134111
MassMutual Financial Group® is a marketing name for Massachusetts Mutual Life Insurance
Company (MassMutual) and its affiliated companies and sales representatives
Copyright© 2009 Sapient Financial Group. All rights reserved.
*Securities, investment advisory and financial planning services offered through qualified registered representatives and investment advisory representatives of MML Investors Services, Inc., member SIPC and FINRA (www.sipc.com and www.finra.com). One Union Square, Ste. 300, 10101 Reunion Place, San Antonio, TX 78216,
(210) 342-4141. Illustrations used with permission of Massachusetts Mutual Life Insurance Company. CRN201104-118953