Mike,

On behalf of all the guys here at CPR we recognize and thank you from the bottom of our hearts for all the hard work you did on our behalf.

We were not an easy group to get insurance for, surely the vast majority of insurance agents would have passed and gone on looking for the easy policies.  But you stayed with us, worked in our best interest and got the job done. You are an amazing guy! We greatly appreciate all of your personal attention and hard work.

All the best,

Bruce Wakefield, Partner

I am very pleased to give my recommendation for Bay State Insurance Agency, Mike and Rebecca.  I met Mike and Rebecca four years ago, as I began my retirement process.  I have found them to be honest, trustworthy, with an attention to detail.  Once my plans were in place, they were consistent with their follow up.  Now, four years later I can depend on them to keep my investments current, and offer advice when called upon.  I feel confident when I recommend them to others.  Thank you, Mike and Rebecca for your professional and caring attitudes.

Betsy Koerner

It is with pleasure that I write this letter of recommendation for you. As you know, since 1995 Bay State Insurance has been our insurance agent.  We started initially with life insurance policies on my husband and myself.  At that time, our business was a small operation, employing one other person besides ourselves. As our business grew you were there to help us make good choices about our insurance and retirement.  Recommendations were made that have insured that we will have a comfortable and secure future.  Just last year you presented your Simple IRA plans to our corporation.  Many of our employees, as well as ourselves, have benefited from starting the plan. Your expertise and wisdom in retirement planning and insurance is unsurpassed.  Your old fashioned approach to business - personal service backed up with your handshake and good word is remarkable and much appreciated.  Over the years we have called you at home, on the weekends and in the evening, and you have always been responsive to our needs.  You take the time to explain complicated issues.  To summarize, we have trusted you with one of our most important commodities - our future, and I know we are in good hands. I would highly recommend you in the future to anyone.

Best Wishes.

Cathy L. Carter, President, Carter Professional Service Inc.