Lawrence D. Cohen is executive vice president and a partner at BCA Insurance Group. A veteran of the insurance industry, he has delivered solutions for clients worldwide for the past 30 years. Contact him at [email protected]. Steven F. Beppel, CPA, is founder and chief executive officer at Avrio Solutions. He is expert at helping clients conquer the myriad details of accounting, Department of Labor regulations, risk assessments, pricing, cost analysis and more. Contact him at [email protected]. Visit bca-insurance.com and avriopro.com.