Le Lézard
Classified in: Science and technology, Business, Covid-19 virus
Subjects: ERN, ERP

Jack Henry & Associates, Inc. Reports Full-Year Fiscal 2022 Results


MONETT, Mo., Aug. 16, 2022 /PRNewswire/ -- Jack Henry & Associates, Inc. (NASDAQ: JKHY), a leading, well-rounded provider of technology solutions and payment processing services primarily for the financial services industry, today announces results for the fourth quarter and full fiscal year ended June 30, 2022.

Fiscal year summary:

Fourth quarter summary:

Full-year fiscal 2023 guidance:

Key Call Outs

According to David Foss, Board Chair and CEO, "We are very pleased to report another quarter of record revenue, operating income, and total sales bookings. Among many other successes, our sales teams secured 17 new core clients and sold 48 new digital banking systems in the quarter. Additionally, we have recently announced the addition of a new CFO to our team, a refreshed brand for our company, and the pending acquisition of Payrailz. As we begin the new fiscal year, our sales pipeline remains strong, and we see significant opportunities to continue growing our company through the successful execution of our technology modernization and One Jack Henry operational strategies. As a well-rounded financial technology provider, we remain optimistic about the strength of our innovative technology solutions around digital, lending, payments, core solutions and open banking as well as our ability to deliver outstanding service in a market that is widely expected to continue to increase technology and digital investments in the future."

1 See tables below reconciling non-GAAP financial measures to GAAP.
2 See tables below reconciling fiscal year 2023 GAAP to non-GAAP guidance.
3 See tables below on page 12 reconciling Net Income to non-GAAP EBITDA.

Operating Results

Revenue, operating expenses, operating income, and net income for the three months and fiscal year ended June 30, 2022, as compared to the three months and fiscal year ended June 30, 2021, were as follows (all dollar amounts in this section are in thousands, except for per share amounts):

Revenue (Unaudited)












(In Thousands)

Three Months Ended

June 30,


%
Change


Year Ended

June 30,


%
Change


2022


2021




2022


2021



Revenue












Services and Support

$  279,740


$   261,697


7 %


$ 1,156,365


$  1,048,206


10 %

Percentage of Total Revenue

58 %


58 %




60 %


60 %



Processing

202,932


188,590


8 %


786,519


710,019


11 %

Percentage of Total Revenue

42 %


42 %




40 %


40 %



REVENUE

$  482,672


$   450,287


7 %


$ 1,942,884


$  1,758,225


11 %

 

Operating Expenses and Operating Income

(Unaudited, In Thousands)

Three Months Ended

June 30,


%
Change


Year Ended

June 30,


%
Change



2022


2021




2022


2021




Cost of Revenue

$  286,815


$   274,918


4 %


$  1,128,614


$  1,063,399


6 %


Percentage of Total Revenue

59 %


61 %




58 %


60 %




Research and Development

33,961


28,814


18 %


121,355


109,047


11 %


Percentage of Total Revenue

7 %


6 %




6 %


6 %




Selling, General, and Administrative

58,124


50,259


16 %


218,296


187,060


17 %


Percentage of Total Revenue

12 %


11 %




11 %


11 %




OPERATING EXPENSES

378,900


353,991


7 %


1,468,265


1,359,506


8 %















OPERATING INCOME

$   103,772


$    96,296


8 %


$  474,619


$   398,719


19 %


Operating Margin4

22 %


21 %




24 %


23 %




Net Income

(Unaudited, In Thousands,

Except Per Share Data)

Three Months Ended

June 30,


%
Change


Year Ended

June 30,


%
Change


2022


2021




2022


2021



Income Before Income Taxes

$    102,792


$     95,683


7 %


$    472,267


$    397,725


19 %

Provision for Income Taxes

22,366


18,821


19 %


109,351


86,256


27 %

NET INCOME

$    80,426


$     76,862


5 %


$    362,916


$     311,469


17 %

Diluted earnings per share

$        1.10


$       1.04


6 %


$      4.94


$       4.12


20 %

4 Operating margin is calculated by dividing operating income by revenue.

According to Kevin Williams, CFO and Treasurer, "For the fourth quarter of the fiscal year, our private cloud and processing services continue to drive revenue growth. As we guided in May our deconversion fees decreased in our fourth fiscal quarter compared to a year ago. We reported solid 7% GAAP and 8% non-GAAP revenue growth compared to the prior year quarter. Operating margins were flat on a GAAP basis due to lower deconversion revenue in the quarter, but nice margin expansion on a non-GAAP basis compared to the prior year. We continue to be pleased to report our Return on Average Shareholders' Equity and Return on Invested Capital (ROIC) of 26.9% and 24.9%, for the trailing twelve months, respectively, which improved nicely from 21.7% and 21.0%, respectively, for those same financial performance metrics a year ago. Our dedicated team continues to follow the company motto of do the right thing and do whatever it takes to ensure the continued success of our customers."

Impact of Non-GAAP Adjustments

The table below shows our revenue and operating income (in thousands) for the three months and fiscal year ended June 30, 2022 compared to the three months and fiscal year ended June 30, 2021, excluding the impacts of deconversion fees and acquisitions, divestitures, and gain/loss.

(Unaudited, In Thousands)

Three Months Ended June 30,


%
Change


Year Ended June 30,


%
Change


2022


2021




2022


2021















Revenue (GAAP)

$    482,672


$    450,287


7 %


$  1,942,884


$  1,758,225


11 %













Adjustments:












Deconversion fee revenue

(5,222)


(8,231)




(53,279)


(20,635)



Revenue from acquisitions and divestitures

?


?




(274)


(1,182)















NON-GAAP ADJUSTED REVENUE

$    477,450


$    442,056


8 %


$   1,889,331


$  1,736,408


9 %

























Operating Income (GAAP)

$     103,772


$     96,296


8 %


$    474,619


$    398,719


19 %













Adjustments:












Operating income from deconversion fees

(3,980)


(7,617)




(47,002)


(18,721)



Operating (income)/loss from acquisitions, divestitures, and gain/loss

?


?




371


(2,409)















NON-GAAP ADJUSTED OPERATING INCOME

$     99,792


$     88,679


13 %


$   427,988


$   377,589


13 %

 

The tables below show the segment break-out of revenue and cost of revenue for each period presented, as adjusted for the items above, and include a reconciliation to non-GAAP adjusted operating income presented above.

(Unaudited, In Thousands)

Three Months Ended June 30, 2022


Core


Payments


Complementary


Corporate
and Other


Total

REVENUE

$   151,480


$   177,323


$        140,296


$    13,573


$  482,672

Non-GAAP adjustments

(1,872)


(1,236)


(2,035)


(79)


(5,222)

NON-GAAP ADJUSTED REVENUE

149,608


176,087


138,261


13,494


477,450











COST OF REVENUE

63,553


97,531


59,495


66,236


286,815

Non-GAAP adjustments

(341)


(122)


(260)


(3)


(726)

NON-GAAP ADJUSTED COST OF REVENUE

63,212


97,409


59,235


66,233


286,089











NON-GAAP ADJUSTED SEGMENT INCOME

$   86,396


$   78,678


$        79,026


$   (52,739)













Research and Development









33,961

Selling, General, and Administrative









58,124

Non-GAAP adjustments unassigned to a segment








(516)

NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES








377,658











NON-GAAP ADJUSTED OPERATING INCOME








$   99,792

 

(Unaudited, In Thousands)

Three Months Ended June 30, 2021


Core


Payments


Complementary


Corporate
and Other


Total

REVENUE (GAAP)

$  140,843


$   169,551


$        128,735


$     11,158


$  450,287

Non-GAAP adjustments

(3,162)


(1,852)


(3,189)


(28)


(8,231)

NON-GAAP ADJUSTED REVENUE

137,681


167,699


125,546


11,130


442,056











COST OF REVENUE

61,579


93,170


53,990


66,179


274,918

Non-GAAP adjustments

(129)


(107)


(189)


?


(425)

NON-GAAP ADJUSTED COST OF REVENUE

61,450


93,063


53,801


66,179


274,493











NON-GAAP ADJUSTED SEGMENT INCOME

$    76,231


$   74,636


$         71,745


$  (55,049)













Research and Development









28,814

Selling, General, and Administrative









50,259

Non-GAAP adjustments unassigned to a segment








(189)

NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES








353,377











NON-GAAP ADJUSTED OPERATING INCOME








$   88,679

 











(Unaudited, In Thousands)

Year Ended June 30, 2022


Core


Payments


Complementary


Corporate
and Other


Total

Revenue

$  622,442


$   707,019


$         561,211


$    52,212


$ 1,942,884

Non-GAAP adjustments

(23,048)


(14,319)


(15,863)


(323)


(53,553)

Non-GAAP Adjusted Revenue

599,394


692,700


545,348


51,889


1,889,331











Cost of Revenue

261,585


380,954


232,088


253,987


1,128,614

Non-GAAP adjustments

(1,719)


(439)


(1,510)


(327)


(3,995)

Non-GAAP Adjusted Cost of Revenue

259,866


380,515


230,578


253,660


1,124,619











Non-GAAP Adjusted Segment Income

$  339,528


$   312,185


$        314,770


$   (201,771)













Research and Development









121,355

Selling, General, and Administrative









218,296

Non-GAAP adjustments unassigned to a segment








(2,927)

Non-GAAP Total Adjusted Operating Expenses








1,461,343











Non-GAAP Adjusted Operating Income









$  427,988

 











(Unaudited, In Thousands)

Year Ended June 30, 2021


Core


Payments


Complementary


Corporate
and Other


Total

Revenue

$  564,096


$  642,308


$       505,928


$   45,893


$ 1,758,225

Non-GAAP adjustments

(8,638)


(6,285)


(6,777)


(117)


(21,817)

Non-GAAP Adjusted Revenue

555,458


636,023


499,151


45,776


1,736,408











Cost of Revenue

247,150


353,581


212,627


250,041


1,063,399

Non-GAAP adjustments

(1,178)


(215)


(617)


(52)


(2,062)

Non-GAAP Adjusted Cost of Revenue

245,972


353,366


212,010


249,989


1,061,337











Non- GAAP Adjusted Segment Income

$  309,486


$  282,657


$        287,141


$  (204,213)













Research and Development









109,047

Selling, General, and Administrative









187,060

Non-GAAP adjustments unassigned to a segment








1,375

Non-GAAP Total Adjusted Operating Expenses








1,358,819











Non-GAAP Adjusted Operating Income









$  377,589

 

The table below shows our GAAP to non-GAAP guidance for fiscal year ended June 30, 2023. Non-GAAP guidance excludes the impacts of deconversion fee revenue.


GAAP to Non-GAAP GUIDANCE (In Millions, except per share data)


Annual FY23




Low


High


REVENUE (GAAP)


$ 2,080


$ 2,087


     Growth


7.1 %


7.4 %


Deconversion Fee Revenue


35


35








NON-GAAP ADJUSTED REVENUE


$ 2,045


$ 2,052


Non-GAAP Adjusted Growth*


8.2 %


8.6 %








EPS (GAAP)


$  5.05


$  5.09


     Growth


2.1 %


3.1 %








* The growth percentages for revenue using non-GAAP numbers in fiscal 2022 were further adjusted
by $274 to remove revenue associated with the fiscal year 2021 acquisition.

 

Balance Sheet and Cash Flow Review

Press release charts

* See tables on page 8 for Net Cash Provided by Operating Activities and on page 12 for Return on Average Shareholders' Equity. Tables reconciling the non-GAAP measures Free Cash Flow and return on invested capital (ROIC) to GAAP measures are also on page 12. See Use of Non-GAAP Financial Information below for definition of Free Cash Flow and ROIC.

The following table summarizes net cash from operating activities:

(Unaudited, In Thousands)

Year Ended June 30,


2022


2021

Net income

$          362,916


$          311,469

Depreciation

50,789


52,515

Amortization

126,835


123,233

Change in deferred income taxes

31,872


16,760

Other non-cash expenses

25,180


18,758

Change in receivables

(41,508)


(6,112)

Change in deferred revenue

6,572


6,541

Change in other assets and liabilities

(58,025)


(61,035)

NET CASH PROVIDED BY OPERATING ACTIVITIES

$         504,631


$          462,129

The following table summarizes net cash from investing activities:

(Unaudited, In Thousands)

Year Ended June 30,


2022


2021

Payment for acquisitions, net of cash acquired

$              ?


$           (2,300)

Capital expenditures

(34,659)


(22,988)

Proceeds from dispositions

45


6,187

Purchased software

(8,491)


(6,506)

Computer software developed

(148,239)


(128,343)

Purchase of investments

(5,000)


(13,300)

Proceeds from investments

?


5,000

NET CASH FROM INVESTING ACTIVITIES

$         (196,344)


$         (162,250)

 

The following table summarizes net cash from financing activities:

(Unaudited, In Thousands)

Year Ended June 30,


2022


2021

Borrowings on credit facilities*

$        332,000


$        200,000

Repayments on credit facilities and financing leases

(317,127)


(100,114)

Purchase of treasury stock*

(193,916)


(431,529)

Dividends paid

(139,070)


(133,800)

Net cash from issuance of stock and tax related to stock-based compensation

7,621


3,211

NET CASH FROM FINANCING ACTIVITIES

$        (310,492)


$        (462,232)


*For the years ended June 30, 2022 and 2021, the Company repurchased 1.25 million and 2.80 million shares of common stock, respectively.

Use of Non-GAAP Financial Information

Generally Accepted Accounting Principles (GAAP) is the term used to refer to the standard framework of guidelines for financial accounting in the United States. GAAP include the standards, conventions, and rules accountants follow in recording and summarizing transactions in the preparation of financial statements.  In addition to reporting financial results in accordance with GAAP, we have provided certain non-GAAP financial measures, including adjusted revenue, adjusted operating income, adjusted segment income, adjusted cost of revenue, adjusted operating expenses, non-GAAP earnings before interest, taxes, depreciation, and amortization (non-GAAP EBITDA), free cash flow, and return on invested capital (ROIC).

We believe non-GAAP financial measures help investors better understand the underlying fundamentals and true operations of our business. The non-GAAP financial measures adjusted revenue, adjusted operating income, adjusted segment income, adjusted cost of revenue, and adjusted operating expenses presented eliminate one-time deconversion fees, acquisitions, divestitures, and gain/loss, all of which management believes are not indicative of the Company's operating performance. Such adjustments give investors further insight into our performance. Non-GAAP EBITDA is defined as net income attributable to the Company before the effect of interest expense, taxes, depreciation, and amortization, adjusted for net income before the effect of interest expense, taxes, depreciation, and amortization attributable to eliminated one-time deconversion fees, acquisitions and divestitures, and gain/loss. Free cash flow is defined as net cash from operating activities, less capitalized expenditures, internal use software, and capitalized software, plus proceeds from the sale of assets. ROIC is defined as net income divided by average invested capital, which is the average of beginning and ending long-term debt and stockholders' equity for a given period. Management believes that non-GAAP EBITDA is an important measure of the Company's overall operating performance and excludes certain costs and other transactions that management deems one time or non-operational in nature; free cash flow is useful to measure the funds generated in a given period that are available for debt service requirements and strategic capital decisions; and ROIC is a measure of the Company's allocation efficiency and effectiveness of its invested capital. For these reasons, management also uses these non-GAAP financial measures in its assessment and management of the Company's performance.

Non-GAAP financial measures used by the Company may not be comparable to similarly titled non-GAAP measures used by other companies. Non-GAAP financial measures have no standardized meaning prescribed by GAAP and therefore, are unlikely to be comparable with calculations of similar measures for other companies.

Any non-GAAP financial measures should be considered in context with the GAAP financial presentation and should not be considered in isolation or as a substitute for GAAP measures. Reconciliations of the non-GAAP financial measures to related GAAP measures are included.

COVID-19 Impact and Response

Since its outbreak in early calendar 2020, COVID-19 has rapidly spread and continues to represent a public health concern. The health, safety, and well-being of our employees and customers is of paramount importance to us. In March 2020, we established an internal task force composed of executive officers and other members of management to frequently assess updates to the COVID-19 situation and recommend Company actions. We offered remote working as a recommended option to employees whose job duties allowed them to work off-site, and we suspended all non-essential business travel. As of August 15, 2022, the majority of our employees were continuing to work remotely either full time or in a hybrid capacity. We have announced that our official return-to-office date is September 6, 2022, though employees have been permitted to voluntarily return to the office since May 2, 2022. Individual decisions on returning to the office will be manager-coordinated and based on conversations with specific teams and departments. A large number of our employees have requested to remain fully remote or participate in a hybrid approach where they would split their time between remote and in-person working. While our business travel is normalizing, we do not expect it to return to pre-pandemic levels and continue to encourage a cautious approach to business travel activities.

Customers

We work closely with our customers who are scheduled for on-site visits to ensure their needs are met while taking necessary safety precautions when our employees are required to be at a customer site. Delays of customer system installations due to COVID-19 have been limited, and we have developed processes to handle remote installations when available. We expect these processes to provide flexibility and value both during and after the COVID-19 pandemic. Even though a substantial portion of our workforce has worked remotely during the outbreak and business travel has been limited, we have not yet experienced significant disruption to our operations. We believe our technological capabilities are well positioned to allow our employees to work remotely without materially impacting our business.

Financial impact

Despite the changes and restrictions caused by COVID-19, the overall financial and operational impact on our business has been limited and our liquidity, balance sheet, and business trends remain strong. We experienced positive operating cash flows during fiscal 2022, and we do not expect that to change in the near term. However, we are unable to accurately predict the future impact of COVID-19 due to a number of uncertainties, including further government actions; the duration, severity and recurrence of the outbreak, including the onset of variants of the virus; the effectiveness of vaccines against new variants; the development and effectiveness of treatments; the effect on the economy generally; the potential impact to our customers, vendors, and employees; and how the potential impact might affect future customer services, processing and installation-related revenue, and processes and efficiencies within the Company directly or indirectly impacting financial results. We will continue to monitor COVID-19 and its possible impact on the Company and to take steps necessary to protect the health and safety of our employees and customers.

Quarterly Conference Call

The Company will hold a conference call on August 17, 2022; at 7:45 a.m. Central Time and investors are invited to listen at www.jackhenry.com. A webcast replay will be available approximately one hour after the event at ir.jackhenry.com/events-and-presentations and will remain available for one year.

About Jack Henry & Associates, Inc.®

Jack Henry (NASDAQ: JKHY) is a well-rounded leading provider of technology solutions primarily for the financial services industry. We are an S&P 500 company that serves approximately 7,850 clients nationwide. We provide core innovative solutions to community and regional banks; core industry-leading solutions to credit unions of all sizes; and non-core highly specialized solutions to financial institutions of every asset size, as well as diverse corporate entities outside of the financial services industry. With a heritage that has been dedicated to openness, partnership, and user centricity for more than 40 years, we are well-positioned as a driving market force in future-ready digital solutions and payment processing services. We empower our clients and consumers with the human-centered, tech-forward, and insights-driven solutions that will get them where they want to go. Are you future ready? Additional information is available at www.jackhenry.com.

Statements made in this news release that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in the Company's Securities and Exchange Commission filings, including the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading Risk Factors. Any forward-looking statement made in this news release speaks only as of the date of the news release, and the Company expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.

 

Condensed Consolidated Statements of Income (Unaudited)

(In Thousands, except per share data)

Three Months Ended June 30,


%
Change


Year Ended June 30,


%
Change


2022


2021




2022


2021















REVENUE

$    482,672


$    450,287


7 %


$   1,942,884


$    1,758,225


11 %













Cost of Revenue

286,815


274,918


4 %


1,128,614


1,063,399


6 %

Research and Development

33,961


28,814


18 %


121,355


109,047


11 %

Selling, General, and Administrative

58,124


50,259


16 %


218,296


187,060


17 %

EXPENSES

378,900


353,991


7 %


1,468,265


1,359,506


8 %













OPERATING INCOME

103,772


96,296


8 %


474,619


398,719


19 %













Interest income

17


6


183 %


32


150


(79) %

Interest expense

(997)


(619)


61 %


(2,384)


(1,144)


108 %

Interest Income (Expense)

(980)


(613)


60 %


(2,352)


(994)


137 %













INCOME BEFORE INCOME TAXES

102,792


95,683


7 %


472,267


397,725


19 %













Provision for Income Taxes

22,366


18,821


19 %


109,351


86,256


27 %













NET INCOME

$     80,426


$      76,862


5 %


$     362,916


$     311,469


17 %













Diluted net income per share

$        1.10


$        1.04




$       4.94


$        4.12



Diluted weighted average shares outstanding

73,086


74,211




73,486


75,658















Consolidated Balance Sheet Highlights (Unaudited)

(In Thousands)







June 30,


%
Change








2022


2021



Cash and cash equivalents







$     48,787


$     50,992


(4) %

Receivables







348,072


306,564


14 %

Total assets







2,455,564


2,336,156


5 %













Accounts payable and accrued expenses






$     213,076


$     201,002


6 %

Current and long-term debt







115,067


100,193


15 %

Deferred revenue







402,172


395,600


2 %

Stockholders' equity







1,381,623


1,319,292


5 %

















































Calculation of Non-GAAP Earnings Before Income Taxes, Depreciation and Amortization (Non-GAAP EBITDA)


Three Months Ended June 30,


%
Change


Year Ended June 30,


%
Change

(in thousands)

2022


2021




2022


2021



Net income

$     80,426


$      76,862




$     362,916


$     311,469



Interest expense

997


619




2,384


1,144



Taxes

22,366


18,821




109,351


86,256



Depreciation and amortization

44,722


43,743




177,624


175,748



Less: Net income before interest expense, taxes,
depreciation and amortization attributable to eliminated
one-time deconversions, acquisitions and divestitures,
and gain/loss

(3,980)


(7,616)




(46,677)


(21,488)



NON-GAAP EBITDA

$     144,531


$     132,429


9 %


$    605,598


$     553,129


10 %













Calculation of Free Cash Flow (Non-GAAP)















Year Ended June 30,


(in thousands)







2022


2021



Net cash from operating activities






$    504,631


$     462,129



Capitalized expenditures







(34,659)


(22,988)



Internal use software







(8,491)


(6,506)



Proceeds from sale of assets







45


6,187



Capitalized software







(148,239)


(128,343)



FREE CASH FLOW







$     313,287


$     310,479















Calculation of the Return on Average Shareholders' Equity














June 30,



( in thousands)







2022


2021



Net income (trailing four quarters)






$     362,916


$     311,469



Average stockholder's equity (period ending balances)




1,350,457


1,434,490



RETURN ON AVERAGE SHAREHOLDERS' EQUITY






26.9 %


21.7 %















Calculation of Return on Invested Capital (ROIC) (Non-GAAP)













June 30,


(in thousands)







2022


2021



Net income (trailing four quarters)






$     362,916


$     311,469















Average stockholder's equity (period ending balances)




1,350,457


1,434,490



Average current maturities of long-term debt (period ending balances)


89


113



Average long-term debt (period ending balances)


107,542


50,146



Average invested capital







$   1,458,088


$    1,484,749















ROIC







24.9 %


21.0 %



SOURCE Jack Henry & Associates, Inc.


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