Good afternoon, everyone, and welcome to the Reliance Global Group 2023 Year-End Financial Results and Business Update Conference Call. At this time, all participants have been placed in a listen-only mode, and the floor will be open for questions following the presentation. If anyone should require operator assistance during this conference, please press star zero on your phone keypad. Please note, this conference is being recorded. I will now turn the conference over to your host, Ted Ayvas, Investor Relations. Ted, over to you. Thanks, Jenny. Good afternoon, and thank you for joining Reliance Global Group's 2023 Year-End Financial Results and Business Update Conference Call. On the call with us today are Ezra Beyman, Chairman and Chief Executive Officer of Reliance Global Group, and Joel Markovits, Chief Financial Officer of Reliance. Earlier today, the company announced its operating results for the year ended December 31st, 2023. The press release is posted on the company's website, www.relianceglobalgroup.com. In addition, the company has filed its annual report on Form 10-K with the U.S. Securities and Exchange Commission this morning, which can also be accessed on the company's website as well as the SEC's website at www.sec.gov. If you have any questions after the call and would like any additional information about the company, please contact Crescendo Communications at 212-671-1020. Before Mr. Beyman reviews the company's operating results for the year ended December 31st, 2023. We would like to remind everyone that this conference call may contain forward-looking statements. All statements other than statements of historical facts contained in this conference call, including statements regarding our future results of operations and financial position, strategy and plans, and our expectations for future operations, are forward-looking statements. The words "anticipate, estimate, expect, project, plan, seek, intend, believe, may, might, will, should, could, likely, continue, design," and the negative of such terms, in other words, in terms of similar expressions, are intended to identify forward-looking statements. These forward-looking statements are based largely on the company's current expectations and projections about future events and trends that it believes may affect its financial condition, results of operation, strategy, short-term and long-term business operations and objectives, and financial needs. These forward-looking statements are subject to several risks, uncertainties, and assumptions, as described in the company's Form 10-K filed with the U.S. Securities and Exchange Commission on April 4th, 2024. Because of these risks, uncertainties, and assumptions, the forward-looking events and circumstances discussed in this conference call may not occur, and actual results could differ materially and adversely from those anticipated or implied in the forward-looking statements. You should not rely upon forward-looking statements as predictions of future events. Although the company believes that expectations reflected in the forward-looking statements are reasonable, it cannot guarantee future results, level of activity, performance, or achievements. In addition, neither the company nor any person assumes responsibility for the accuracy and completeness of any of these forward-looking statements. The company disclaims any duty to update any of these forward-looking statements. All forward-looking statements attributable to the company are expressly qualified in their entirety by these cautionary statements, as well as others made in this conference call. You should evaluate all forward-looking statements made by the company in the context of these risks and uncertainties. Having said that, I would now like to turn the call over to Ezra Beyman, Chairman and Chief Executive Officer of Reliance Global Group. Ezra? Thanks, Ted. Good afternoon, and thank you to everyone for joining us today. It's a thrilling time to share our journey and the remarkable progress we've made at Reliance Global Group. This past year has been nothing short of extraordinary, and I'd like to dive into the details that highlight our progress. In 2023, we achieved a robust 17% and 40% year-over-year increase in revenue compared to 2022 and 2021, respectively. Of the 17% revenue increase compared to 2022, two-thirds came by the way of organic growth, and one-third was acquisition-related. Our net loss was substantially driven by non-core operating and non-cash expense charges, such as net estimate and fair value changes in acquisition, earn-out payables, and warrant liabilities, goodwill impairment, amortization, interest, share-based compensation, and discontinued operation results, tallying a net total of $11.3 million, resulting in a GAAP net loss of $12 million. When excluding these items to arrive at Adjusted EBITDA, our Adjusted EBITDA loss in 2023 shrinks to $687,000, representing an improvement of $2.1 million or 75% from 2022. We attribute much of this improvement to our recently announced One Firm Strategy, which brings together Reliance's nine-owned and operated agencies across the United States to function as one cohesive unit. This allows for efficient and effective cross-selling, cross-collaboration, and cross-utilization of the company's human capital, which has resulted in increases to both the company's top and bottom line. Furthermore, we believe that this will strengthen our relationships with carriers, enabling us to negotiate better commissions and bonus contracts thanks to increased business volumes. The acquisition of Barra & Associates in April of 2022, which was subsequently rebranded as RELI Exchange and was transformed through the addition of cutting-edge technologies, has changed how we connect with our agency partners nationwide. Our commitment to technology, specifically AI and machine learning, has redefined the insurance landscape. Agents on our platform can now swiftly offer quotes from a wide array of carriers, ensuring competitive rates across an expansive product range. This has led to the expansion of our cutting-edge RELI Exchange agency partner digital platform, which now boasts solutions in 46 states, access to 35 carriers, and a network of hundreds of committed agency partners. Reflecting on the vast landscape of the U.S. global insurance agency brokerage market, which in 2023 had an estimated value of $436 billion, forecast to grow to $613 billion by 2028, the potential is staggering. Our position is not just to participate but to lead in this expansive yet highly fragmented market, which we believe we can accomplish through our innovative One Firm Strategy, which is already helping us streamline our operations and reduce expenses. M&A deal volume in our sector was approximately $78 billion, or around 17% of the overall market value in 2023. Reliance remains active and focused on identifying and growing its insurance agency brokerage portfolio through strategic and synergistic acquisitions. As previously announced, the company has an open letter of intent to acquire a leading provider of voluntary benefits to more than 45,000 employees throughout the United States. This acquisition is expected to generate an Adjusted EBITDA of more than $4 million in 2024. The company in question is distinguished in its field, utilizing cutting-edge technologies that elevated above its industry peers. The acquisition would be monumental for Reliance, not just in scale but in strategic fit within our broader strategy. We expect this transaction to close in the first half of 2024, and I am pleased to provide an update that negotiations are progressing positively with both parties currently in the final stages of definitive agreement discussions. The significance of this type of transaction cannot be overstated. It is expected to more than double our current revenue, with the current company projected to generate over $14 million in revenue during fiscal 2024 while contributing meaningful EBITDA with a high revenue-to-EBITDA ratio. Let's dive deeper into why this is such an important development. The target's suite of unique voluntary benefits programs and reach, serving over 45,000 individual lives, introduces great potential synergies for rounding out accounts through cross-selling for personal lines of insurance to be offered to those consumers through the RELI Exchange. As previously mentioned, synergies of potential acquisitions are always reviewed thoroughly, and this target, while accretive on its own merit, is even more valuable with our existing infrastructure. Our journey up to this point has been marked by careful planning, bold strategies, and a clear vision for the future. This planned acquisition underscores our commitment to not only enhancing our portfolio but also to fundamentally transforming the insurance landscape. With the integration of this new company, Reliance Global will be poised to offer an even broader array of innovative solutions, further solidifying our prominent position as a company properly deploying technology in the insurance sector in a way that leads to bottom-line growth. As I reflect on our path forward, I'm reminded of why I embarked on this journey in Reliance, driven by my belief in what we're building. My history of creating the third-largest mortgage broker in the country and amassing a multi-billion-dollar portfolio of multifamily properties speaks to my commitment to not just growth but sustainable growth. With more than $5 million of my own personal capital invested in Reliance, my commitment to building a tech-forward, market-leading organization has never been stronger. Our focus on operational efficiency, technological innovation, and strategic acquisitions is more than just a strategy. It's our mission to redefine what's possible in the industry. In addition, our planned acquisition represents a pivotal chapter in our story, one that brings us closer to our goal of creating an industry-leading powerhouse. Reliance Global Group is not on a path to becoming just another player in the market. We are here to build a multi-billion-dollar organization. With the foundation we've already established and the strategies we're implementing, we're well on our way. Thank you for your continued support and belief in our vision. The future is bright, and together we're going to make this vision a reality. I would now like to turn the call over to Joel Markovits, Chief Financial Officer of Reliance Global, who will review the financial results of the year ended December 31st, 2023. Joel? Thank you, Ezra, and good afternoon, everyone. Good to be here with you today, and I'm excited to share our financial results for the year ended December 31st, 2023. Note that all figures presented are approximates. Commission income increased by $2 million, or 17%, to $13.7 million in 2023 compared to $11.8 million in 2022. This increase is 67% organic and 33% acquisition-related. Commission expense increased by $592,000, or 19%, to $3.7 million in 2023 compared to $3.1 million in 2022. This was driven primarily by the company's increased commission income revenues. Salaries and wages remained relatively flat at $7.5 million, representing a nominal decrease of $5,000, or -0.1%, during 2023 compared to 2022. The stagnant costs are a testament to the company's ability to effectively leverage its in-place talent, human capital, despite robust increases in top-line revenue. General and administrative expenses decreased by $869,000, or 18%, to $4.1 million in 2023 compared to $5 million in 2022. The decrease was driven in part by One Firm efficiencies gained coupled with lower acquisition-related costs. Net loss was $12 million in 2023 compared to net income of $6.5 million in 2022. The change in swing was primarily driven by 2023 goodwill impairment charge of $7.6 million, combined with a gain in a fair value change of warrant liabilities of only $5.5 million in 2023 compared to $23.5 million in 2022. Adjusted EBITDA, our important and very relevant non-GAAP metric, improved by 76%, or $2.1 million, from a loss of $2.8 million in the prior year to a loss of only $670,000 in the current year. This improvement was the result of increased revenues and decreased EBITDA costs, again driven in part by One Firm, our strategy to operate RELI as a well-oiled machine coupled with lower acquisition-related costs. Working capital increased by $5.8 million, or 126%, to $1.2 million in 2023 compared to negative working capital of $4.6 million in 2022. Cash and restricted cash of $2.7 million at the end of 2023 increased by $829,000, or 43%, compared to $1.9 million at the end of 2022. With this, we conclude our prepared remarks. We'll be happy to answer any questions or comments participants may have. Operator, kindly open the lines. Certainly. Thank you very much. At this time, we will be conducting our question-and-answer session. If you would like to ask a question, please press star one on your phone keypad. A confirmation tone will indicate that your line is in the queue. You may press star two if you would like to remove your question from the queue. For any participants using speaker equipment, it may be necessary to pick up your handset before you press the keys. Please wait a moment while we poll for any questions. Just a reminder there, if you have any questions, please press star one on your phone keypad now. Okay, I'm not seeing any questions come into the queue. I will now hand back over to the management for any closing comments. Thank you very much. On behalf of Ezra and the entire Reliance team, thank you very much for your participation in this business update. We're excited about the prospects of the company, and we thank you for joining us on our journey. Until next time, all the best. Thank you very much. This does conclude today's conference. You may disconnect your phone lines at this time and have a wonderful day. Thank you for your participation.