4 Contact: Brio Bernades
3000 Oak Rd., Ste. 300
Walnut Creek, CA 94597
(925) 945-4442
Fax: (925) 946-4478

e-mail: lbernades@jhnetwork.com
Website: www.jhbrokerage.com
Products: Fixed Annuities (ind.); Life (survivor, term, UL [with LTC rider], whole life); LTC (ind.)

Serving: Nationwide