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Stephen F. Murphy III, CLU®, DIA, DIF, CLTC® is currently the Managing Director at Wealth Advisory Group LLC. Prior to this, Stephen worked at New York Life Insurance Company as a Regional Consultant focusing on disability and long-term care solutions. Stephen F. also served as a Virtual IDI Consultant and Life Competition Consultant at New York Life. Earlier in their career, Stephen was a Private Client Group Advisor at Chernoff Diamond & Co., LLC and an Agent & Field Director at Northwestern Mutual. Stephen holds a Chartered Life Underwriter® degree from The American College of Financial Services and studied at the University at Albany from 2005 to 2008.