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      <image:title>Group Healthcare</image:title>
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      <image:title>Home</image:title>
      <image:caption>"In the beginning" (before our involvement) plans may start out fine. Over time they get messy, even out of compliance, and costly. "After our Review" we get plans back to an even better state than how they began years ago.</image:caption>
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      <image:title>What We Do</image:title>
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  <url>
    <loc>https://www.maromconsulting.com/take-action</loc>
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    <lastmod>2020-02-07</lastmod>
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      <image:title>Contact Us</image:title>
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    <loc>https://www.maromconsulting.com/projects</loc>
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    <lastmod>2021-02-05</lastmod>
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      <image:title>Case Examples</image:title>
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      <image:title>Case Examples</image:title>
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    <loc>https://www.maromconsulting.com/beyond</loc>
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    <lastmod>2025-09-12</lastmod>
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      <image:title>Specialties</image:title>
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      <image:title>Specialties</image:title>
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    <loc>https://www.maromconsulting.com/retirement-1</loc>
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    <lastmod>2025-09-12</lastmod>
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      <image:title>Group Retirement</image:title>
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      <image:title>Group Retirement</image:title>
      <image:caption>Our Fiduciary Investment Reviews are “a mix of art &amp; science” using decades of experience &amp; historical investment data. David Marom holds half a dozen FINRA registrations (Series 7, 24, 65, 6, 51, 63) along with the Accredited Investment Fiduciary® (AIF®) Designation. With over two dozen years of experience reviewing retirement plans, including time as Chief Compliance Officer for a small boutique Broker Dealer and Registered Investment Advisory firm in NY City, he brings his “art” and analytical skills to his proprietary Fiduciary Investment Reviews. This is combined with the “Science” of a statistical investment database arranged by fi360.</image:caption>
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    <image:image>
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      <image:title>Group Retirement - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.maromconsulting.com/individual-solutions</loc>
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    <lastmod>2023-08-09</lastmod>
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      <image:title>Individual Solutions</image:title>
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      <image:title>Individual Solutions</image:title>
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      <image:title>Individual Solutions</image:title>
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  <url>
    <loc>https://www.maromconsulting.com/issue-briefs</loc>
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    <lastmod>2026-01-02</lastmod>
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      <image:title>INFO</image:title>
      <image:caption>Top Audit/Compliance Issues</image:caption>
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      <image:title>INFO</image:title>
      <image:caption>Annual EBP Checklist</image:caption>
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      <image:title>INFO</image:title>
      <image:caption>Small ER Healthcare Options</image:caption>
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    <image:image>
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      <image:title>INFO</image:title>
      <image:caption>Notice Req Re Medicare Rx</image:caption>
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    <image:image>
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      <image:title>INFO</image:title>
      <image:caption>How Brokers Get Paid</image:caption>
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    <image:image>
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      <image:title>INFO - Make it stand out</image:title>
      <image:caption>Sample employer retirement plan fund comparison report</image:caption>
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    <image:image>
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      <image:title>INFO - 2020 Investment Report</image:title>
      <image:caption>Investment Comparison Report</image:caption>
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  </url>
  <url>
    <loc>https://www.maromconsulting.com/pag-the-professional-alliance-group</loc>
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    <lastmod>2023-02-27</lastmod>
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      <image:title>PAG</image:title>
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    <image:image>
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      <image:title>PAG</image:title>
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    <image:image>
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      <image:title>PAG</image:title>
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  <url>
    <loc>https://www.maromconsulting.com/hbm</loc>
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    <lastmod>2025-10-01</lastmod>
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      <image:title>Hybrid Benefits Management</image:title>
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  <url>
    <loc>https://www.maromconsulting.com/home-alt-bedford</loc>
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    <lastmod>2025-05-08</lastmod>
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      <image:title>Home Alt</image:title>
      <image:caption>A better world Starts with a choice Contact Us</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/52a74d9ae4b0253945d2aee9/1390500503574-5BAPXZO9U06UV61P49UO/chambers1.jpg</image:loc>
      <image:title>Home Alt</image:title>
      <image:caption>Sustainability Starts with you Join Us</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/52a74d9ae4b0253945d2aee9/1390500933384-LII4SRIPHFYOUFX0UCXC/chambers-4.jpg</image:loc>
      <image:title>Home Alt</image:title>
      <image:caption>A better world Starts with a choice Join Us</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/52a74d9ae4b0253945d2aee9/1390504287124-HQ8GNX1JCE22V047MSQ9/chambers-8.jpg</image:loc>
      <image:title>Home Alt</image:title>
      <image:caption>Preserve Nature Join Us</image:caption>
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  <url>
    <loc>https://www.maromconsulting.com/skipping-stones</loc>
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    <lastmod>2026-04-29</lastmod>
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