Birnbaum Financial Group

Birnbaum Financial Group CFP, CLU, ChFC, RHU, LUTCF, CLTC,CASL,RICP

PHILOSOPHY
I believe in a long-term relationship with my clients. We have a long-term horizon!

I am not interested in short-term affiliations, knowing
what I know about the industry. I do for my clients what
I would do for myself if I were in their position. If it’s
good for the client, it’s good for my Company and myself in
the long-term. My clients are very smart, and by dealing with them in
an honest and forthright manner, I’m able to sleep well
at night and feel pride in my craft. Being

a student of
the industry, I am constantly learning and attending
courses as well as obtaining additional designations
and certifications. This permits me to keep abreast of
this dynamic and exciting industry in an environment
with constant legal and regulatory modifications. This
only accrues in direct benefits to my clients and permits
me to offer superlative and knowledgeable service. PERSONAL
Born in Brooklyn, NY
Residing in Chicago, IL
Married to Eleanor, five children –
Yocheved, Mordechai, Rivka, Yedida, Shlomit
Eighteen grandchildren - Rafi, Dani, Rina, Daniella, Kayla, Jacob, Elchonan, Akiva, Ahuva, Naftoli, Shoshana, Penny, Allie, Naftoli, Shalom, Hinda, Ora, and Emunah

Princeton University, Princeton NJ, MSE 1974, PhD 1976

The Cooper Union, NYC, NY BSE 1972

Arie Crown Hebrew Day School Board

The ARK Board President

President of the Congregation Adas B'nei Israel

Helain Stein Volunteer Award

Hobbies: Swimming, Elliptical Training

MassMutual refers to Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, and its affiliated US Insurance agencies. I am a registered representative of and offer securities, investment advisory and financial planning services through MML Investors Services, LLC. Member SIPC (www.SIPC.org). Supervisory Office: 30 S. Wacker Drive, Suite 2700, Chicago, IL 60606. Phone (312)347-1660

I am licensed to sell insurance in: [AL, AZ, CA, CO, CT, DC, FL, GA, IA, IL, IN, KS, MA, MD, MI, MN, MO, NC, NE, NJ, NM, NV, NY, OH, OR, PA, RI, TN, TX, UT, WA, WI, WY]. I am licensed to sell securities in [AL, AZ, CA, CO, CT, DC, FL, GA, IL, IN, IA, KS, MD, MA, MI, MN, MO, NE, NV, NJ, NM, NY, NC, OH, OR, PA, RI, TN, TX, UT, WA, WI, WY]. CA Insurance License # 0D76681

Birnbaum Financial Group is not a subsidiary or affiliate of MML Financial Services, LLC.

As I posted earlier, Mom after World War II went to the Displaced Persons Camp at Feldafing, near Munich. Only two broth...
07/06/2026

As I posted earlier, Mom after World War II went to the Displaced Persons Camp at Feldafing, near Munich. Only two brothers from father’s family survived, and only two sisters from my mother’s family survived. In that DP Camp, the older brother married the older sister, and in America the younger brother married the younger sister, my parent.

It turns out that in Brooklyn, the uncle of the brothers settled prior to the war, and sponsored the boys to take them to America. This Uncle Usher treated my father as if he was a village bumpkin. He showed him how a toilet flushes, as if in Krakow, Poland, they did not have flush toilets! He took my father in a car in 1947, and explained to my father, that this mode of transportation had no horses to pull it, expecting my father to respond with awe. In Krakow, they had cars, so he was familiar with them, and in Munich after the war he rode a motorcycle. My father smiled and accepted the instructions about life in America. All went fine, until they had a flat, and my father got out of the car, and changed his uncle’s tire. Uncle Usher did not say a word the remainder of the trip.

My father married mother in October of 1947 and had four sons in a period of 9 years. I was the second. The home that was the first that I remembered was in the Brownsville area of Brooklyn, in the top floor of a two flat. There were 2 bedrooms, and our family of 6 lived there. The parents had their own bedroom, and the two “little boys” as Abe, my older brother and I called them, had the second bedroom. Abe and I had a trundle bed, which was like a high riser, one bed under the other which was in the living room. Each night we pulled out the bed, and every morning put it back in, because that bed was disguised as a couch in the living room during the day.

I once asked Abe, my older brother, where we kept our clothes, and he said he was not sure, but he thought we had the bottom drawer of the “little boys” dresser. He and I did not need much space, since I had shirt for each day of the week, and a better shirt for Saturday, which was our Sabbath, one or two pair of pants for the week, with a better pants, and suit coat for Saturday. My Mom did the laundry Saturday night, and the cycle restarted.

Since I was the second oldest, and the difference between Abe and I was about 2 years, I always received his hand me downs. Abe being a husky and me being thin, I had a lot of belts. When I was about 9 years old, I asked my mother “Why Abe always gets new clothes, and I get hand me downs. I want new clothes!” Mom told me “Tatele (little father in Yiddish), your brother breaks in the clothes for you! Do you have chafed skin or rashes from having to break in new clothes?” I thought for a moment and realized that my brother was doing me a great favor at his own expense. I felt quite bad, because I really did like Abe. I didn’t realize how clever my mother was until my bar mitzvah, and I received a new suit! To Be Continued…..

What a Century!My Mother Who Passed Away at Age 100On April 6, 2026, my mother who eclipsed 100 years, passed away.  As ...
04/20/2026

What a Century!

My Mother Who Passed Away at Age 100

On April 6, 2026, my mother who eclipsed 100 years, passed away. As you consider her life, which started in a small village, Dabrowa Tarnowska, in southeast Poland (referred to occasionally as Galicia), and ended in Brooklyn New York, one realizes that it was quite remarkable. It stands out as testament to faith, love of life, and a will to succeed. She had dementia for the last 17 years and did not recognize any of her children at all for more than a decade.

Oddly enough, I just visited her the day before with 3 of my grandchildren, as did my son and most of his children. I did not realize, of course, that I was saying goodbye, but I did which I always did. I sang to her, since both she and I liked to sing together. My voice is terrible, Mom’s is better, but we both can’t follow a tune well. She, of course, did not sing, but I hoped somehow the “music” would affect her in some positive fashion.

I kissed her on her cheek, I gave her a blessing, kissed her again, and hoped that she was comfortable and in no pain. Of late, each time I come to New York City, I visit her and the same scene is played out. I am not sure that it has any effect on Mom, but I feel better, and at least I am still connected to Mom.

Mom was one of 7 children, with two parents, when World War II broke out. Since Poland was the second country overrun by the N***s, Sudetenland in Austria, being the first annexed, the war was long for Mom and her family.

In 1941, my mother had heard that they were sending Polish girls to Germany to be maids, since the war effort required the German women to work for the effort. There thus was a dearth of domestic help. She talked her mother into letting her go as a maid. Her mom reluctantly agreed to the idea and acquired clothing that looked more like the fashion that Polish girls were wearing.

Coming to Tarnow, which was 17 kilometers from Dabrowa, she exchanged papers with a girl that was 3 years her junior and assumed her identity. She was shipped to be a maid in a bread and breakfast, to Hamelin we believe, and was there the entire war. Her older sister also assumed a false identity, and they wrote to each other as if they were Polish girlfriends. Their family was liquidated in 1942 by the N***s, and those were the only members who survived. When the war ended, her older sister, Helen, knew where she was hiding and sent someone to pick her up from the bread and breakfast, and take her to the Feldafing Displaced Persons (DP) Camp, where she was staying. To be continued….

Shmueli’s UpsherinA recent past Sunday, I flew to Atlanta to spend the day with my son, and his family, since this was t...
02/19/2026

Shmueli’s Upsherin

A recent past Sunday, I flew to Atlanta to spend the day with my son, and his family, since this was the day that their youngest son, their #5 son, and their #7 child, had his Upsherin. Until he is the age of 3, his parents let his hair grow uncut. He then has it clipped in an ad hoc ceremony, where Rabbis, relatives, and friends cut locks from what was his quite beautiful head of very dark hair. A professional barber comes in and makes order out of chaos and random cuts.

Light food is served, and from this point on, he begins studying his letters. He begins the road to reading and literacy. On this day he begins being taught the alphabet.

Years ago, my mother gave me a picture of me before the Upsherin picture. Mom, who I never perceived as cruel, put them in curlers, to make my hair look more attractive. Being around three, I did not realize what was happening and probably didn’t care.

The idea of committing oneself to being literate at early age fosters into a family that books, studying and reading are important. It is not surprising that as you mature you keep that thirst for knowledge throughout your whole life. That I am a lifelong learner is cultural and expected. I am not surprised at all by this trajectory since we are after all the People of the Book!

Chanukah 2025 – Family and Good FoodA Celebration of the Victory of Forces of Light over DarknessChanukah is a very popu...
12/29/2025

Chanukah 2025 – Family and Good Food

A Celebration of the Victory of Forces of Light over Darkness

Chanukah is a very popular Jewish holiday since it commemorates how the few were able to overcome the many and reaffirm their right to practice their faith. An event that took place in Israel, about 200 years before Jesus walked, and 800 years before Mohamed was conquering the tribes in Saudi Arabia is still celebrated for these 2,300 years with the lighting of candelabras in every Jewish home, by every participant in the home.

Men, women, and children each light candles, with each night another candle being added, so that the house is bathed in a crescendo of candlelight, growing each night by one candle in each candelabra. Putting them in the windows, by the doors, outside the home (which is the custom in Israel), the goal is to share the glow with the world.

A message that even in dark times, there is hope, is relevant for any time period. Persecuting a people due to their faith, as the Greeks did to the Jews, ended badly for the oppressor when good people banded together to stand up to the tyranny. The enemy seemed overwhelming, they seemed to be everywhere, and even among the Jews there were Hellenists who supported the Greek oppressors. This scenario does feel familiar!

In the small town of Modin, which today is a thriving city in central Israel, a father, Mattathias, and his 5 sons, Jochanan, Simeon, Eleazar, Jonathan, and Judah stood up to the tyrant Antiochus when it seemed absurd to do so. The rebellion which took 26 years, culminated in the removal of the Greek rule of Israel, and the reestablishment of the Jewish Commonwealth.

Our wish for all is that we remember that all is possible. Good will triumph over evil with G-d’s help, and that we need the unflagging determination of well-intentioned, committed participants to succeed. With this formula, we will continue to celebrate such victories in the future!

H3 – Business Halachah ConferenceChicago, ILMy partner, Nathan Lerman, and I attended this annual event a few weeks ago ...
12/12/2025

H3 – Business Halachah Conference
Chicago, IL

My partner, Nathan Lerman, and I attended this annual event a few weeks ago that focuses on ethics and morals in business. A total of greater than 800 participants attended ranging in industries from healthcare, financial services, real estate, accounting, law, medicine and a myriad of others.

Topics included estate planning, workplace challenges of being too familiar with employees and the implications thereof, being respectful of vendors and honoring commitments made to them, committing to self-improvement and a host of others.

Besides the networking sessions, good food, inspiring speakers, and being motivated to do better in a balanced lifestyle, the spectrum of ages was remarkable. Business owners, professionals, managers, entrepreneurs, speakers, and even students ranged in ages from 18 to 95. Each and every one came to learn, improve and leave this unique event inspired to do better for themselves, as well as others.

Having gone for the last several years, I always do come away inspired, motivated, and focused on doing better, and more. This year was no different. I look forward to the event and think back on the major themes of prior years, since it does change from year to year.

Million Dollar Round Table Edge 2025 - Austin TexasOr Spending Time with a Insurance Influencer Pre-Tick Tock EraJoining...
11/20/2025

Million Dollar Round Table Edge 2025 - Austin Texas
Or
Spending Time with a Insurance Influencer Pre-Tick Tock Era

Joining MetLife in 1991, as an agent, I was exposed early on to a Home Office Vice President, Joe J. Jordan. In those early days, he was responsible for assisting advisors on how to present the annuities clearly to advisors. Once the advisors understand the products, they would be able to present it appropriately to suitable clients.

Besides being extremely clear, and a wry sense of humor, he was able to make the presentations memorable, so the advisor thought of the product when meeting with prospective clients. One presentation, as I recall he came on stage wearing an umbrella which was fastened to his head to demonstrate the protective features that annuities had to offer. It was a humorous appearance but underscored the point that he wished to make. It must be memorable, because 30 years later, I still recall the event, and smile as a recall it. For the longest time, I had one of those umbrellas in my office.

During his career at MetLife, Joe helped countless advisors with his insights into industry trends and products, be they the implications of what the various products did or how they performed, besides waxing philosophically about what our industry represents. He was almost poetic in how he described the impact of our work.

A great deal of advisors were brought back to basics in that our industry protects the widows, orphans, employees, and their loved ones in a most meaningful fashion. His Life of Significance was so striking that to this day in my foyer, in our new building in Skokie, I have a poster size of that analogy.

His greatest contribution to the field force, I believe, was his reintroducing us to the basics of our industry. Our goal he reiterated, and reinforced, was to be meaningful to our clients. To make a difference to our clients and be impactful. His book, “A Life of Significance” underscored that message. This message was important in the 90s and I believe much more important 30 years later. Thank you, Joe, for all that you do and did!

Top of the Table – Phoenix, AZ 2025OrWaymo Gone SlowmoThere are about 4,000 advisors worldwide who are members of the MD...
11/06/2025

Top of the Table – Phoenix, AZ 2025
Or
Waymo Gone Slowmo

There are about 4,000 advisors worldwide who are members of the MDRT Top of the Table (TOT), worldwide. The whole organization has about 95,000 members. Of the TOT members, about 600 were present in Phoenix this past week. I attended this conference, and it was inspiring and informative as they all are.

The goal was to network, be exposed to leading edge ideas, and thinkers, and to improve their practice management and technical skills.

AI (Artificial Intelligence) was highlighted by several speakers, and sort of set the stage for my Waymo adventure. Phoenix, being one of the few cities that permit Waymo (which is a driverless car) gave me an opportunity for an adventure. I figured how much damage can a driverless car do to me on going back to the airport early Sunday morning.

At 3 AM, I requested my Waymo, not realizing that the Phoenician did not want Waymos on their property, and that the car would wait for me at a spot off the property. When the car arrived, it notified me that it arrived at the location, but it was nowhere to be found. I texted the car, and it told me that I have five minutes to get to the boarding area. The application let me know also that I was 8 minutes from the car! As I tried to race the car, I received notice that the Waymo had left, and that I was being charged for order. This was frustrating, since at that point, I needed to take an Uber to get to the airport.

I guess Artificial Intelligence is a pale comparison to Intelligence. I would have designed the software, where the car would note that I am 8 minutes away, and given me the option to have it wait longer, even for an additional charge. A human as a driver would respond: “No problem, I will wait”.

I tried to get an agent, but one could not be raised. This was not a satisfactory experience, but I am committed to giving it a chance again when the environment would not be so challenging. Waymo may need a bit Way more to go to be more satisfactory and useful.

Birnbaum Week 2025Or Do You Know Where Langley, KY is?Returning from the week that our family spends each summer togethe...
08/29/2025

Birnbaum Week 2025
Or
Do You Know Where Langley, KY is?

Returning from the week that our family spends each summer together, which started the first year of Covid, I look back on what was one of the best trips that we had taken. A total of 31 of my family came together. This included my wife, myself, 5 families (3 represented by husband and wife, 1 represented by husband only, 1 represented by wife only), and then a total of 21 assorted grandchildren! This meant that only 8 of my clan were missing.

Being in Eastern KY was a lot of fun. The VB&B that we rented was adequate to hold everybody, including a pool in its own building, a dual staircase representative of the deep South. There was a master bedroom which Eleanor and I took that included its own hot tub, men and women’s bathroom. The latter included a bidet toilet, which I hadn’t seen in years. There were of course two sinks and the Master Bedroom Suite which was probably about 3,000 square feet in total.

A theatre room that in the evening permitted us to have family moving time, replete with popcorn, and theatre seats. We grilled two nights, calling it the Romanian Feast, as well as partaking in pizza and deli other nights. The last was the first night we came, as well as the last night that we left.

Our activities were grand! We went up a chairlift to hike on an Appalachian mountain ridge, as well as taking a boat ride in a flooded mine with a guide who made it very interesting.

On our last day, we rented two pontoon boats, and four kayaks which we used in a lake in the state park in our area. It was grand! Having cliffs nearby, the brave, including one 9 year old grandson jumped into the lake from the precipice. The little grandchildren, jumped from pontoons into the lake, got into kayaks, and didn’t want to leave.

Besides all the fun activities, the family bonding and building was remarkable to watch. The cousins from different families hung together, had adventures together, and indicated that they were looking forward to next year.

Good VibrationsOr  Four Summer Interns Who Are First CousinsThis summer we had 4 interns work in the  practice. 2 were f...
08/19/2025

Good Vibrations
Or
Four Summer Interns Who Are First Cousins

This summer we had 4 interns work in the practice. 2 were from Chicago, and 2 were from Monsey, NY which is about 30 miles north of New York City. Projects were arranged for them that were back burner for our office but needed to be done at some time.

One project was calling on clients to make sure that their beneficiaries were correct and that they had current wills. What triggered this campaign was a client whose husband allegedly took care of the finances. When he suddenly got sick and died, he had not designated a beneficiary on a 403(b) he had with an old school he had worked with years ago.

We never confirmed the beneficiaries to be correct because we thought the other carrier had done so. The account went into probate when it really didn’t need to. The interns started this campaign to contact our client base and encourage them to review them now. I now confirm all beneficiaries on all contracts to make sure that they are correct for their current circumstances not to have this oversight of the client repeat itself.

We went paperless in 2018. Since the practice started in 1991, a total of 27 years of files needed to be digitized. Our interns were going to files, scanning parts of them into cloud storage, and shredding what remained of the files.

Our last project was calling clients who we had not reviewed their insurance products in a while. The 2 that were making the calls to such clients had a contest to ascertain who could get the most review appointments in a set time period. They had fun and enjoyed themselves.

These four interns were my grandchildren, 2 each from 2 different families. Their ages were 18 to 21 so that these girl cousins had a great deal in common and made the summer go quickly. A good time was had by all, and work was done as well. Their bonding during their stay at the company was a side benefit which seemed like a bonus to everybody.

Address

9124 Terminal Avenue
Skokie, IL
60077

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 5pm
Sunday 10am - 9pm

Telephone

+17737254167

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