Professionals

We turn dreams into goals, and goals into reality

What this means is that we focus on the “why” behind what you are doing. Everyone has dreams and goals for themselves and their families. We help you identify what those are and put a plan in place to help make them a reality.

We use an Educator’s approach

Not only do we spend time teaching you successful wealth building techniques, we also work with you to maintain what you’ve earned and continue to grow it. We believe that in anything you do it is best to learn as much about it as you can and not blindly trusting someone else to do it. We specifically focus on the how and the why, not just the bottom line.

Preparing for the Future

As you develop your financial strategies, be sure to protect your assets and family against life’s uncertainties. There are many considerations to take into account as you approach retirement age.

Given today’s longer life spans and active lifestyles, you need to ensure you have a steady stream of retirement income. You may also be concerned about contributing to your children or your grandchildren’s college education. Finally, you should establish an estate plan to make sure the assets you’ve accumulated pass on to those you love, according to your wishes. Insurance coverage can provide a solid foundation for your future, protecting you and those who depend on you for financial security. Some basic protection planning now can help ensure you have the income and assets to meet your financial goals in the future.

Here are some options to consider:

  • 529 College Savings
  • Annuities
  • Disability Income Insurance
  • Individual Retirement Account (IRA)
  • Life Insurance
  • Long Term Care
  • Mutual Funds

Wealth Accumulation

Help secure a more comfortable future with solid planning today. Protecting your wealth and assets involves taking advantage of a diverse array of financial solutions tailored to your long-term needs. You may be budgeting for the mortgage on a new home or learning to manage newfound wealth. Now it’s time to look toward the future to help protect your assets. As you think about ways to minimize your taxes, fund your retirement, and protect loved ones, you can work with our Financial Services Representatives to make the process easier.

Here are some options to consider:

  • Annuities
  • Disability Income Insurance
  • Individual Retirement Account (IRA)
  • Life Insurance
  • Long Term Care
  • Mutual Funds

Annuities

People are living longer and that means more time and savings will be spent in retirement. If you need a tax-deferred investment to provide a guaranteed1 stream of income for life or a specified number of years, it might be worth considering an annuity. An annuity is a contract between an insurance company and an annuity owner. In exchange for a purchase payment, or series of payments, the insurance company guarantees1 to pay a stream of income in the future.

There are two types of annuities—Immediate and Deferred.

Immediate Annuities

An immediate annuity is usually purchased with a single premium and begins a stream of income within the first 12 months from the date of issue. You decide when payments will begin within that period and how long to receive income. There are two types of immediate annuities: fixed and variable.

  • Immediate Fixed Annuity
    An immediate fixed annuity provides a guaranteed and predictable stream of income during the payout period.
  • Immediate Fixed and Variable Annuity
    An immediate fixed and variable annuity provides a guaranteed stream of income. The variable income payments fluctuate based on the performance of the variable investment choices selected. A fixed account is also usually offered as an investment choice within this type of contract.

Deferred Annuities

A deferred annuity is specifically designed to help accumulate assets for retirement. It also offers the ability to turn those assets into a guaranteed stream of income at some point in the future. You decide when payments begin and how long to receive income. There are basically two types of deferred annuities: fixed and variable.

  • Deferred Fixed Annuity
    A deferred fixed annuity earns interest during the contract’s accumulation period. The interest rates are set by the issuing company and are guaranteed not to be lower than the minimum guaranteed interest rate shown in the contract. A contract’s accumulated assets can be converted into a guaranteed stream of income for the future.
  • Deferred Variable Annuity
    A deferred variable annuity offers variable investment choices (and usually a fixed account) in which the contract owner can invest. During the accumulation period, the investment return and value of the annuity will fluctuate in accordance with the investments selected. A contract’s accumulated assets can be converted into a guaranteed stream of income for the future.

1 Guarantees are based on the claims-paying ability of the issuing company and do not apply to the investment performance or safety of the amounts held in the variable investment options.

Annuities are not appropriate for everyone. There are fees and charges associated with owning an annuity.

Annuities do not provide any additional tax advantage when used to fund a qualified plan. Investors should consider buying an annuity to fund a qualified plan for the annuity’s additional features, such as lifetime income payments and death benefit protection.

Variable annuities are sold by prospectus. Before purchasing a variable annuity contract, investors should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract and its underlying investment choices. For this and other information, obtain the product prospectus and underlying investment choices prospectus from your registered representative. The prospectuses should be carefully considered before investing or sending money.

If taken prior to age 59 1/2, a 10% federal income tax penalty may apply. This information is not written or intended as specific tax or legal advice and may not be relied on for purposes of avoiding any federal tax penalties. MassMutual, its employees, and representatives are not authorized to give legal or tax advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

Principal Underwriters: MML Distributors, LLC (MMLD) and MML Investors Services LLC (MMLISI) Members FINRA {www.finra.org} and SiPC {www.sipc.org}. MMLD and MMLISI are subsidiaries of Massachusetts Mutual Life Insurance Company (MassMutual), 1295 State Street, Springfield, MA 01111-0001.

Insurance products issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111 and its subsidiary CM Life Insurance Company, Enfield, CT 06082.

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Employee Benefits

In today’s highly competitive marketplace, it’s becoming increasingly difficult for business owners to attract and retain top talent. Salary is no longer the sole compensation driver. Employees are also looking at an employer’s overall benefits package and its potential to help address their real concerns of financially protecting their families in addition to adequately planning for retirement.

You probably already have a standard benefits package in place, one that includes medical and dental coverage, disability income insurance, and a retirement plan. However, your competitors more than likely offer a similar benefits package. These days, employees are looking for benefit plans above and beyond the standard packages that most employers already offer. These benefits often provide the primary incentive for key employees to join and remain loyal to your company.

Designing an attractive employee benefits package may seem expensive, but the tax considerations1 can help offset the overall cost, and its impact on current and prospective employees could be rewarding. Through our network of Financial Services Representatives, we can help you provide an attractive employee benefits package for the employees that are most valuable to the success of your company.

Consider a few of the following options for your employee benefits program.

Annuities

Establishing individual retirement arrangements funded by annuities is easy for a small business. Offering this type of benefit may help you retain and motivate your company’s employees.

Disability Income Insurance

Provide employees with income protection that supplements your company’s group long term disability plan in the event of a disability.

Executive Benefit Programs

We offer solutions that are designed to assist in recruiting and retaining executives.

Executive Group Life Insurance

Gain a competitive edge by providing valuable life insurance benefits to your executives and senior professionals.

Long Term Care Insurance

Help retain your employees and enhance your company’s benefits while taking advantage of tax savings.

Retirement Plans

Offering your employees a retirement plan is a way to help them save for the future and is a great incentive as part of an employee benefits package.

1 The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. We are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

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Businesses

You know what it takes to build a successful business. It takes vision, preparedness, skills and desire – not to mention a focused dedication to achieving your goals. If you are like most business owners, you’ve worked hard and made many sacrifices to grow your business. That’s why you should put just as much energy into protecting it as you did building it.

Ask yourself these important questions:

  • Do I have a plan for my business when I retire?
  • Is my business capable of continuing its success in the event of my or my partner’s untimely death or disability?
  • Is my family adequately protected if something were to happen to me?
  • Have I done everything I can to attract, retain and reward the key employees that are critical to my business?

If you answered “no” to any of these questions, you may want to consider implementing a formal business planning strategy. Proper planning can help you protect your business, attract and retain key employees, and help ensure that your business transfers in the manner in which you choose.

No business plan is complete without a financial strategy for the unexpected. Start by exploring all your protection options. Then develop a long-term strategy that can help protect the continuity of your business should you, a partner, or key employee decide to retire, leave the business, or unexpectedly dies or becomes disabled.

Most business owners spend the majority of their time working in their business instead of on their business. We can help ensure that the business protection needs that are critical to the long-term success of your business are taken care of.

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Protect Your Business

As a business owner, you know being prepared for anything is part of who you are. If one thing is certain today, it’s that you can’t be certain about what will happen tomorrow. You can, however, be certain that you’ve taken action to help protect yourself and your business from the unexpected.

Think about what would happen to your business if you, your business partner, or a key employee were to unexpectedly die or become too sick or injured to work. There’s no doubt that this would have a tremendous impact on your business and its continued success. But there’s good news: this is something you can plan for.

Having the foresight to protect your business against the loss of an owner or an essential employee—perhaps the company’s most valuable asset—can mean the difference between business as usual or closing up shop. Just as you would insure your business property, you should also consider insuring the people who have the biggest impact on your company’s success. We can help with business planning strategies that are designed to protect your business from the unexpected and help ensure the business you’ve worked so hard to build withstands the test of time.

Consider a few of the following options to help protect your business:

Disability Income Insurance

Most likely, your company has already taken the appropriate steps to protect the business in the event of the death of an owner or partner. But have you protected the business in the event of a more common scenario – an owner’s or partner’s long-term disability?

Life Insurance

Learn how life insurance can help you protect your business from the unexpected death of a key employee.

Long Term Care Insurance

Having long term care insurance is part of smart business planning and can help protect your business and family if a long term care need should arise.

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