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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 guarantees to pay a stream of income in the future. People are living longer and that means more time and savings will be spent in retirement. Annuities are a great option if you need a tax-deferred investment to provide a guaranteed stream of income for life or a specified number of years in the future.


You may have overlooked protecting your income. Disability Insurance is Insurance protection that pays benefits if you become too sick or hurt to work. Anyone who depends on their income to pay the bills or maintain their lifestyle should consider disability income insurance protection.

Life Insurance

Life insurance offers financial protection for your family and beneficiaries when you die. Some policies also accumulate cash value, offering a living benefit that can be used for supplemental retirement income, funding for a child’s education or cash for emergencies. There are many types of life insurance policies that offer a variety of features and benefits. The basic principle of a life insurance policy is that it pays your beneficiary a specified amount of money when you die in exchange for regular payment of premiums.


An IRA is a personal retirement account that allows you to save for retirement without needing a company-sponsored plan. The money you save is tax-deferred and may typically be withdrawn at age 59 1/2. IRA is designed to be used as a retirement savings vehicle for participants leaving MassMutual-administered retirement plans who have recently changed jobs, are close to retirement or are simply looking to consolidate their retirement savings.

Mutual Funds

Mutual funds are professionally managed portfolios of stocks, bonds or other securities that pool the money of a group of investors who have common financial goals. The value of mutual fund shares will fluctuate, so that when redeemed, they may be worth more or less than their original cost. Mutual funds may be an appropriate option for investors at various income levels, and may help to reduce the worry of day-to-day issues such as what individual securities to buy and sell, or when to buy and sell them. They offer a level of diversity that can be hard to match as an individual investor. The increased diversification may reduce volatility.