Author Archives: Thomas P. Hyland Sr.

Very Sad News…Passing of Brad Coustan

Dear Friends and Colleagues-

It is with great sadness that I write this message.  Last night Brad Coustan ended his long and courageous battle against Multiple Myeloma. He always said “you don’t beat cancer by not dying, but by how you keep living”, and he meant it. Brad was a great father, husband, and friend to so many.  He was a long time member of the TFS family, and his presence and eternal optimism will be sorely missed.

The funeral service is confirmed for Tuesday, June 9 at 1pm at:

Bernheim-Apter-Kreitzman Suburban Funeral Chapel

68 Old Short Hills Road

Livingston, NJ 07039

The family will be sitting shiva at the Coustan home at 630 Clark Street, Westfield, NJ 07090

Tuesday, June 9, 5-9pm

Wednesday, June 10, 4-8pm

The family has requested that, in lieu of flowers or food, to please make donations to the Multiple Myeloma Research Foundation (MMRF) in Brad’s memory.  If you would like to make a donation to MMRF in Brad’s honor, you are welcome to do so by visiting: Click on “Donate” – choose how you would like to donate and make sure to note that it is for a “HONOR / MEMORIAL GIFT” and you can include Brad Coustan’s name.


Don’t Miss Our Special LIVE Web Event!

Pic1  Pic2

The Beneficiary Designation Review:
An Opportunity to Serve

Incorrect life insurance beneficiary designations can cause significant problems for clients and prospects. Learn how to avoid these mistakes!

Choose from two available dates: April 16th and April 21st.

Presented by guest speaker
Linas Sudzius, J.D., CLU, ChFC
President – Advanced Underwriting Consultants


TFS Office Closure and Business Continuity Plan

To all TFS Staff, Advisors, and Clients:

As is often the case, we are faced with the challenges of operating our business according to regulatory requirements in the face of severe weather conditions.

Today’s winter storm has far under-performed expectations, BUT IT IS STILL EARLY AND THERE IS THE POSSIBILITY OF MORE SNOW YET TO FALL!

Furthermore, there is a STATEWIDE TRAVEL BAN which has closed bridges, tunnels, public transit, and restricted travel on the roads in NJ and NY.

Unfortunately, the financial markets remain open today, and as a result, we are required to keep our operations running and open for business, in accordance with our DISASTER RECOVERY  /  BUSINESS CONTINUITY PLAN.

Consequently, for everyone’s safety, we have decided to close our offices today.  However, all staff members will be working from home throughout the day.  Key staff in all departments will be connected to our network, checking and responding to emails regularly, forwarding telephone calls to their cell phones, checking and responding to voice mails regularly, and otherwise maintaining the normal course and process of business.

These measures, along with the technology we have in place will ensure that our business will run seamlessly throughout the day.  Securities accounts and transactions will continue to be approved remotely without consequence.

Our office will be open for business again on Wednesday morning.

As always, we appreciate your support and cooperation.




Thomas P. Hyland Sr.


Webinar: A Place to Call Home

You’re Invited to a Special Webinar

Co-Sponsored by:  TFS Insurance Brokerage and North American Company

A Web Event on North American Products and Sales Concepts

Enhance your knowledge of North American’s product portfolio and sales concepts.  The web sessions below will help you better understand the product designs and supporting sales concepts.  Sign up for one or all sessions by clicking the link below:

Session 1: A Place to Call Home
Thursday, December 11, 4 – 5 pm EST

A Place to Call Home

Looking for a carrier that can offer a broad portfolio to meet your diverse list of client needs, competitive compensation for you, and the support and training to help you succeed? Then North American is the place to call home for your business!


Don’t miss out on this exciting opportunity!
Space is limited, so sign up today!



Thomas P. Hyland Jr.
Business Development Specialist
TFS Insurance Brokerage
437 Newman Springs Rd
Lincroft, NJ 07738
(800) 833-1862 Ext. 127

Special Insurance Training Webinars

You’re Invited to a Special Webinar Series

Co-Sponsored by:  TFS Insurance Brokerage and North American Company

A Web Event on North American Products and Sales Concepts

Enhance your knowledge of North American’s product portfolio and sales concepts.  The web sessions below will help you better understand the product designs and supporting sales concepts.  Sign up for one or all sessions by clicking the link below:

Session 1: A Place to Call Home
Thursday, December 11, 4 – 5 pm EST

Session 2: Life Insurance: A Solution for Your Clients & Policy Reviews
Thursday, December 18, 4 -5 pm EST

Session 3: Strong on Guarantees & 3 Sales from 1 Case
Thursday, January 8, 4 -5 pm EST

Session 4: Accelerated Benefit Endorsement –
Thursday, January 15, 4-5 pm EST

Session 5: Product Features & Hot Spots –
Thursday, January 22, 4-5 pm EST

Click on the below link now to register for these events.   You can also copy and paste the address into your browser to register.  You will receive a personalized invite for each meeting with additional information that includes conference line.



Thomas P. Hyland Jr.
Business Development Specialist
TFS Insurance Brokerage
437 Newman Springs Rd
Lincroft, NJ 07738
(800) 833-1862 Ext. 127

Thanksgiving Reflections

It is wonderful to have an opportunity to enjoy a day of rest today in the aftermath of Thanksgiving. The blur of the past week is now behind us.  The challenging weather and travel schedules and the   hurdles we face to draw our families together for the holiday…The always unexpected but perfectly timed “uh-oh, the oven isn’t working” or “we need a plumber”…The endless cleaning, shopping, prepping, cooking, more cleaning, and, of course, the marathon of eating and drinking are all exhausting.

We hope that you all were able to safely connect with your loved ones and enjoy a wonderful Thanksgiving with your families.  We were so fortunate to have our children home safe and our entire extended family together to celebrate the holiday. We are so thankful for the friends and family who have traveled from far and wide to keep our family tradition alive and share in the celebration with our family.

While the aftermath of Thanksgiving can often be as messy and hectic as the days leading up to it, it is nice to have the opportunity to relax and recover, and more importantly, to reflect on the true meaning of the holiday.  How fortunate we are to share this time with our family and friends and enjoy an incredible feast.  How fortunate we are to have a safe and comfortable place to live, for the beauty that surrounds us, and the material pleasures that we enjoy every day.  How incredibly fortunate we are to have our health and our families, and of course our close friends and loyal colleagues like you who make all of this possible for our families.

Best Wishes for Health, Happiness, and Love to you all throughout the Holidays!

The Hylands and the rest of the TFS Family

TFS Insurance Brokerage – Big News!

TFS Advisory Services 3C

July 14, 2015

Dear Loyal TFS Associates,

We are excited to announce some big changes that are happening at TFS Insurance Brokerage.  As you have already heard through earlier communications,  Steve Hipsher will be leaving TFS Insurance Brokerage on July 15, 2014, after a 12 year tenure with the firm.  While this was an incredibly difficult decision for Steve, he has decided to pursue another opportunity in the industry.  This is certainly a sad day for TFS, but we also respect Steve’s decision and wish him much happiness and success in his new endeavor.  During his time at TFS, Steve was a loyal employee, a consummate professional, and a dear friend.  We will all miss Steve and his invaluable contributions to the success of TFS.

TFS Insurance Brokerage remains committed to providing you with the level of service you expect and deserve, and has already taken significant steps to strengthen our staff in anticipation of this move.   From education and training to pre-sale marketing, case design, sales illustrations and case programming, to new business case management, licensing, contracting, and commissions…We have the experienced staff in place to assist you!

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Thanksgiving Holiday

To All Loyal TFS Family Members,

As the last leaves fall from the trees and the weather turns cold and grey, it reminds us that Thanksgiving is just around the corner.  In keeping with our annual tradition, our offices will be closed on Thursday and Friday in observance of the Thanksgiving Holiday.  TFS Securities, Inc. will remain open on Friday as required by law.  Many thanks to Jennette Fraler for stepping up to hold down the fort!  All other TFS staff members will be off on Thursday and Friday enjoying the holiday with their families.  All registered branch offices of TFS Securities, Inc. are also required to be open for business on Friday, as dictated by securities law.  Our department heads will be checking emails periodically throughout the day.  In the event of a true emergency, please email me at

In consideration of the severe weather forecast, please be sure to travel safely throughout the holiday weekend.

Continue reading

Sad News

Dear Friends,

I am writing to you today with a very heavy heart.  I am deeply saddened to share  the news of the passing last evening of my very dear friend and partner, Joanne Przybylko, after a brief but very courageous battle with cancer.  Never one to relish the spotlight, Joanne was determined to very quietly and privately fight this battle, without attention or fanfare,  with the support of her family by her side.   While Joanne’s recovery was progressing quite favorably through the summer, a number of unfortunate setbacks over the last few months left her very weak and vulnerable, pre-empting her ability to continue to pursue her aggressive treatment plan.   Recently blessed with the birth of her fourth grandchild (Nicole’s Daughter Leah Joanne), Joanne passed away peacefully with her whole family by her side.

Joanne was a tireless worker and a fiercely loyal friend and partner. Her tough exterior, brutal honesty, skepticism and keen eye helped keep TFS out of harm’s way for the past 30 years.  That tough exterior could never overshadow her compassion, sensitivity, and generosity.  Always selfless, Joanne would be the first to sacrifice her time or open her home or her wallet to help a friend or family member in need.  Joanne’s love for children of all ages was evidenced by the HUNDREDS of pictures of her children, grand children, nieces, nephews, friends, and the countless pictures of all of our children and grandchildren that she had all over her office.  In her office today, I was embarrassed to see that she had more pictures of my own kids displayed than I had in my own office!.   She is considered as a second Mom by so many of the kids hanging on those walls.  She loved all holidays and, no matter how busy, would regularly entertain dozens of friends and family for Easter, Thanksgiving, and Christmas.  Saying that Joanne really looked forward to Christmas might be the understatement of the century.  She was a Christmas fanatic who never met a Christmas decoration she didn’t like!  Christmas decorating and un-decorating  was almost a year-round pursuit.  Her pride and joy was her incredible, expansive Christmas village  which eventually took over one whole room in her home.

While Joanne was a dedicated partner and a consummate professional, she was not defined solely by her work.  She was  so much more than that for so many of us.  She left an indelible mark on all of us.  Most importantly, she dedicated her life to her loving husband Dave, her children David and wife Kris, Nicole and partner Matt, and son Kevin, and of course, her treasured grandchildren Ava, Brielle, Matthew, and Leah Joanne.

As you might expect this is a very difficult time for the family, so please understand if they are unable to respond to all of your calls, messages, and other well wishes.  In keeping with Joanne’s wishes, her final arrangements will be conducted privately.  A memorial service in celebration of Joanne’s life will be scheduled for:

Saturday, November 16, 2013

2:00pm to 6:00pm

The Clayton and McGirr Funeral Home

100 Adelphia Road

Freehold, NJ  07728


Details and directions are available at the website listed below.

While it is difficult to focus on business in the wake of such sad news, we realize that the show must go on for all of you as our loyal advisors, and for all of your clients.  Although noticeably shaken, our loyal staff answered the bell this morning and stand ready to serve you and your clients.  While Joanne is irreplaceable, you can rest assured that we have cross trained personnel, added new staff, and worked hard throughout her absence over the past 9 months to meet this challenge head on.  You have my personal assurances that TFS remains well positioned and well-prepared for any challenge.  You will see NO COMPROMISE in the service to which you have grown accustomed.  Our company is solid, solvent, and poised for continued growth and prosperity for many years to come.

As always, we value your friendship and your loyal support of the TFS Family.



Thomas P. Hyland