Ben is the lead Financial Advisor for the Montana Medical Association’s financial services arm. He has been serving his clients since the late 90s.

He works primarily with physicians to provide them with honest and down-to-earth financial guidance. He has assembled a team of highly experienced experts who deliver fully comprehensive financial services in the areas of money management, estate planning, insurance, tax, and group benefits coordination.

Ben’s process is enhanced by a broad brokerage network that gives him (and his clients) access to a wide range of products and services from many different companies.

Ben is an active member of his professional associations – the National Association of Insurance and Financial Advisors (NAIFA) and the Society of Financial Services Professionals (SFSP). Based in Billings, Ben splits his time between his Missoula and Billings offices and regularly travels across Montana to bring these services and benefits to all physicians.

In addition to his duties as a Financial Advisor, Ben is one of the primary instructors for North Star Educational Services, a leading continuing education provider to other financial professionals. In this role Ben helps other financial professionals maintain their licensing requirements by teaching courses in ethics, legislative changes, and other financial topics. Ben has been happily married for over 10 years with 5 children. He fills his free time with church service and quality time with his family.

Common areas of discussion include:

• Debt management (student loan management, debt repayment)
• Investment strategies (including children's college funding)
• Retirement strategies (IRAs, qualified plans, early exit strategies)
• Insurance strategies (Disability, Life, Long Term Care)
• Tax minimization strategies¹
• Asset protection¹

North Star Consultants, Inc.
Insurance Products & Services

CRI Securities, LLC
Securities & Investments

Securian Financial Services, Inc.
Variable Products & Securities

Ben is a registered representative and investment advisor representative of CRI Securities, LLC and Securian Financial Services, Inc.

MMA Financial Services / Kazmierski Agency offers securities and investment advisory services through CRI Securities, LLC and Securian Financial Services, Inc., Members FINRA/SIPC. 2701 University Ave. S.E., Minneapolis, MN 55414, 612-617-6000. CRI Securities, LLC is affiliated with Securian Financial Services, Inc.

The Kazmierski Agency and Montana Medical Association Financial Services are independently owned and operated.

473882 / 03-2012