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Financial Planning in Ft. Lauderdale, FL

Benefit Specialists Inc. is a one-stop multi-line agency for insurance and financial services based in Coral Springs, FL with services extending nationwide. We specialize in helping small to medium-sized businesses, seniors, individuals and students with their financial insurance needs. With over 30 years of experience, we are highly committed to helping our customers find affordable solutions for whatever their needs may be.

Certified comprehensive services

Our specialists are fully licensed, trained and experienced for each field: Health Insurance, Life Insurance, Financial Services, Employee Benefits, Property and Casualty, Legal Insurance and Medicare.

Focusing on you

Customer satisfaction is the main focus of our practice and the leading cause in what makes us different from any other agency. We believe in treating our customers the same way we would like to be treated and doing what is best for our customers at all times. Our qualified staff of professionals does everything possible to maintain our level of trust and credibility day in and day out. We truly appreciate you taking the time from your busy schedule to visit our website and for relying upon us to help you with whatever your insurance needs are.

The Principals

Stuart Moss - President/CMO

As the President and CMO of Benefit Specialists Inc., my experience in the insurance industry has been built over 30 years practicing in the financial planning industry. Having evolved greatly over the years, technology has opened many options for you, your family and your business. At Benefit Specialists, Inc., we provide the products and services to you in an easily understood format. Many of our applications today can be done right over the internet, providing you with faster underwriting approval.

I have an extensive background in the insurance industry and have been licensed since 1978. I currently hold a Life, Health and Property and Casualty license in the State of Florida. During my career in the financial service industry, I have worked in many different areas. I started my career as an agent with Life Insurance Company of Virginia in 1978. I spent almost ten years building the insurance centers for the K-Mart Insurance Group in the eastern United States, providing K-Mart customers with quality life and health products as well as auto and homeowners insurance services. As a Divisional Manager for United Group Association and Regional Manager for United Benefit Life Insurance Company, as well as American Medical Security, I worked closely in all aspects of the insurance industry with agents and customers alike.

The hard work, honesty, and dedication my team has provided to our customers have received many industry honors over my career. A few awards to mention include: Rookie of the Year - Life of Virginia 1978; Field Sales Manager of the Year - Lone Star Life 1980, 1981, 1982; District Insurance Sales Manager of the Year - K-Mart Insurance Group 1984, 1985; Presidents' Council - United Group Association 1990, 1991, 1993; Top District Manager for United Group Association 1991; Top Regional Manager - United Benefit Life 1996.

From 1998 to November of 2007 I worked for the Branch office division of United American Insurance Company. One of my highest industry honors was election to the Presidents’ Council for United American Insurance Company from 2002 through 2004; Honors Club for the same company in 1999 and 2000 and Presidents' Club in 2001, 2002 and 2003.

All these would not have been possible without being able to serve and help people like you. If in need of financial assistance, call our office in Coral Springs for a FREE analysis today at 888-282-3650.

Offering trusted service throughout Ft. Lauderdale, FL & beyond

Rich Moss - Senior Investment Consultant

As a Senior Investment Consultant for Benefit Specialists Inc., Rich Moss is responsible for supporting Benefit Specialist's clients, as well as foundations and retirement plans. Together, Rich and his partners specialize in providing highly customized and long-term investment solutions with a level of sophistication typically reserved for ultra-high net worth and institutional investors. 

Rich and his team builds custom portfolios to meet clients' investment needs over time. With more than 33 years in the financial services industry, his work has included portfolio management of a market-neutral hedge fund and sales and management positions with major broker dealers. Rich holds a degree in History and Economics from the University of Delaware.

Scott Carothers - CPA

Scott Carothers is a CPA with over 19 years of direct hands-on experience in finance and accounting. Mr. Carothers has confidently addressed and managed an array of complex corporate issues in both public and private sectors. Public company reporting, consolidations and strategic planning are all areas within his expertise. Having worked closely with the Executive Committee and CEO of a substantial regional brokerage firm for nearly a decade, Mr. Carothers knows the importance of working in a results-oriented team environment, as well as how to succinctly present a firm's financial information in a meaningful and usable fashion. Mr. Carothers was instrumental in formulating a reverse merger that resulted in his company immediately growing tenfold. In addition, he has been involved in structuring financing for public and private companies, valuations, cash flow projections and competitive analysis. However, down-in-the-trenches accounting work is his specialty. He has managed cash flow, prepared cash flow needs analyses and administered employee 401(K) plans, ESOP plans and employee benefit programs. Scott has a B.S. in business administration and majored in accounting at Colorado State University.

Edward R. Boyd

BOYD COMMUNICATIONS INTERNATIONAL, Inc: Marketing, advertising, media management and communications experiences in major and emerging markets in the United States, Europe and Pacific Rim Countries.

Clients include:
Nederlander Worldwide:  Explored purchase of broadcast properties in New York and Los Angeles. Researched the re-design of current venue sponsorship program to be more appealing to national and international clients. 

ATS COMMUNICATIONS:  Recently funded telecommunications site Management Company.  Developed
new client base.

TOWER AMERICA CORP:  Developed new business for this tower management company.  Developed relationships and signed contracts with Clear Channel Communications World Wide, Regent Communications, Triad Communications, Charles River Broadcasting, Morris Communications and Radio Unica. 

HIGHPOINT DEVELOPMENT LTD:  Located markets in need of new broadcast towers. 

FRANCHISE MORTGAGE ACCEPTANCE COMPANY.  Investigated new asset classes for this NASDAQ listed business-lending firm.  Primary target for study was the Cellular and PC tower industry.

BIG ENTERTAINMENT.  Setup ABC TV-Network marketing partnership and developed Reciprocal Promotional Agreements with ABC Television affiliates in Big Entertainment markets.  This program generated over $1,000,000.00 in airtime, also developed a Kiosk Marketing Network, to utilize unsold time on Kiosk TV Monitors.              

STREAMLINE PRESS.  Organized corporate marketing and national distribution for “Blast From the Past”, a cocktail table size book covering the 75-year history of the radio industry. 

GRAM CORP.  President of this radio station group with broadcast facilities in Atlanta, Savannah and Valdosta, GA. Memphis, TN.  Islamarada & Belle Glade, FL.

GTECH.  Researched possible use of cable and interactive TV in the lottery and gaming industry.   

CROWN MOUNTAIN BROADCASTING CO.  Consulted radio station WIYC-FM, St. Thomas, U.S.V.I. 

TENMA USA Developed clientele to export and market top of the line American products to Pacific     Rim countries.  Worked primarily with Tenma Paper Mills and Mitsui Corp.  Tokyo, Japan.  

-BENEFIT SPECIALISTS:  Special Agent. 2005-present.  Life, Health, Medicare, LTC, Annuities.
-BANKERS LIFE & CASUALTY, Agent.  Deerfield Beach, FL
-COLOMBIA PICTURES.  President, Broadcast Group.  Operated stations in Birmingham, Salt Lake City, Wheeling WVA.  Executive Producer: Jamboree in the Hills and Capitol Theater. 
-GANNETT.  President, Eleven Fifty Corp.  Created and operated KIIS AM&FM in Los Angeles.  Chairman: KSDO AM&FM in San Diego.  Co-managed Gannett Foundation in the Southwest.  Spearheaded the rebuilding of the HOLLYWOOD sign.  Started softball league playing celebrities for charity.
Other business associations include Metro Media, Katz Communications, and J. Walter Thompson, Miami, FL, Dallas, TX, Milan & Rome, Italy.

-HOLLYWOOD CA. CHAMBER OF COMMERCE:  Executive Committee.  Walk of Fame, Hollywood Sign.
-BOYS & GIRLS CLUBS:  Corporate Board of Directors.  Delray Beach Fl, Vice-Chairman Board of Directors.   

Born in Palisades Park, NJ.
Married one grown daughter.
Educated at the Todd School & University of Illinois.
Military: U.S. Air Force.
Interests include business and civic leadership, golf.