When I lived in Roxbury, this was one of the places that I shopped for auto insurance…read more First, it is impossible to get to talk to Mr. Ciraulo himself. Even on the rare occasion that he is in the office, he is "too busy" to talk to clients. This wouldn't be so bad if the office staff knew what they were doing. I observed them dealing with an existing customer, and was appalled to hear them say that they do not take claims there in the office. Further, they were very persistent in trying to sell add-on's, like home & life insurance. About the only positive thing that I can say is parking was relatively easy.

Don't even know where to start. Just please save yourself the time and trouble and just choose…read moreanother insurance company. They literally stole $1000 from me by withdrawing a payment 2x and then took almost 2 months to refund the money. Before I realized my account was overdrawn I had racked up $175 in over draft fees which the bank won't refund because it wasn't their fault. I had to call the office 3x and then go in person to finally get my money back. Every time I called someone told me the check was in the mail. JOE CIRAULO could not care less about me, my money or the fact that my family has been with his company for 25 years. HORRIBLE business man. HORRIBLE company. As soon as I got my check I canceled and went to Progressive which will save me $1000 a year!! Stay far away from Joe Ciraulo and State Farm unless you like giving your money to a jerk that could not care less about you.

Marilyn Visakay with HIP Solutions is knowledgeable, courteous, and professional. She meets with us…read morein person, discusses our financial needs and explains her services very clearly. She helps us plan for retirement. She is a wonderful financial advisor. Mrs. A. Russo

From the owner: As a Flanders, NJ Annuity service dedicated to your well-being and peace of mind, HIP Solutions,…read moreLLC is here for you.

Great service. Everyone friendly and professional. Always responds to calls and emails…read more I recommend them 200%. Best agency I've ever used.

We switched our insurance to Skylands recently for our house and auto and couldn't have been…read moreeasier. We spoke with Rhonda who was knowledgeable and very helpful setting us up with the right options. Normally I dread all the paperwork but simple and easy. Best of all we are saving money from our previous insurance!

My wife is 60 and I am 62 and we have been clients of Jim Kinney for the past few years. Thanks to…read moreJim's financial acumen and sage counsel, we were able to retire three years ago. We are extremely conservative financially, and we asked Jim to help us earn income on our investments (to supplement our pensions) while preserving principle as much as possible. Jim listens to his clients and is very respectful of their risk tolerances. In our case, we have a "very limited risk tolerance" and he has guided us to conservative investments that still meet our income goals. The Financial Plan prepared by Jim is extremely comprehensive. It is more than just a snapshot of where we are financially - it is a guide and a tool (along with the monthly Morningstar reports that Jim provides) that we use to regularly monitor our financial health, our progress, and make sound financial decisions. As we contemplated retirement and a move across country, we consulted Jim regarding the sale of a home, purchase of two condominiums, purchase of a new vehicle, etc. Jim was also extremely helpful in re-assessing our life insurance needs and our long-term care insurance, and he referred us to an excellent CPA. in addition to being trustworthy, Jim and his partner Luba, are ethical and just good people who we most highly recommend.

Are you looking for a down to earth financial planner? One who will make time for you at your…read moreconvenience? A straight shooter, that will make things comfortable for you a financial planner you can have faith in. My husband and I together, were in the process of moving my husbands 401Ks and also talking to Jim about my 88 year old Mom's portfolio. When my husband unexpectedly passed away, I was in such a dither because even though I was part of the of the everyday finances all this seemed so very complicated. What if I made the wrong decisions? This was my future. Jim very calmly sat with me answered all my questions, drew up a plan that made me feel comfortable, one that's no too aggressive but still making money. He also gave me advice concerning Mom that would protect her and me as the executor of her estate in the coming years. It's been 5 years now and I feel better about my finances today thanks to Jim. I highly recommend Jim as your financial planner!

Amazing staff, especially Jamie Skidmore, who are always so helpful, kind, and knowledgeable!…read moreHighly recommended!

Got quoted for a price with NO tracking software on my phone. Month later I receive and email…read morestating that my premium will go up of I don't activate tracking. Replied to mail stating that it was not included or discussed in my premium and not to pull a "bait and switch" scam on me. They ignored my email and increased my premium by 20%!!! I switched to ALLSTATE with better coverage and a lower price! When I called to cancel my policy I was told I would not get a refund on the unused portion of my insurance premium! I had to call the main office and lodge a complaint against this thieving, illegal, attempt to rob me before they would refund the prorated amount of my $!!! AVOID THESE SCAMMERS!