Tom Conigliaro Low Risk...High Reward When it comes to commercial risk management, Tom's a pro He excels at identifying and reducing hazards and potential liability, Reducing your exposure to risk is a great advantage in bringing about enhanced profitability and growth as well as greater peace of mind. That's the kind of strategic assessment Tom brings to our clients and one of the key advantages of a relationship with Joyce, Jackman & Bell. Risk Management Consultant Joyce, Jackman & Bell I N SURO R S JJB...with you every step of the way. in 9 North Main St., Pittston, PA 18640 570-654-5223 tconigliaro@jibins.com www.jibins.com