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Investment Strategies

Making Investment decisions can sometimes be a confusing and anxious process.


Our Goal is to find investment Strategies that meet your specific objectives and ensure you fully understand all aspects of any investment consideration

Finding the Right Investments: A Disciplined Process

Selecting the right Investments starts with a conversation to determine your needs, wants, and what you care about most. We then design a strategy that utilizes the investment vehicles that best help you meet your financial goals.

Our process includes:

  • Analysis of your current portfolio by asset class, sector and risk level.
  • We will determine the primary objective of each investment.
  • Analyze your proper risk tolerance, time horizon, and capacity to take risk.
  • We will determine appropriate investment solutions designed to help you accomplish your unique objectives.
  • Develop and an implementation schedule, considering your timeline and any tax issues.
  • We will provide ongoing portfolio analysis, adjustments, and enhancements through an ongoing review process.

Today’s investment market is complex and constantly changing. As a result, you have a virtually unlimited selection of investment vehicles and services.

Whether it’s traveling to see the world or spending time with family, a well-balanced investment program is a critical component of your overall financial plan.

Our compelling offering of investment solutions includes:

  • Mutual Funds – These professionally managed investment portfolios can provide an easy, cost-efficient and diversified investment solution. We can access a wide array of mutual funds from many different companies.

  • Brokerage Accounts – Investing in a brokerage account gives you access to a wide array of securities investments (stocks, bonds, mutual funds, exchange-traded funds, options, etc.) within one convenient account offering cash management features such as check- writing and other capabilities.

  • Advisory Accounts – With Advisory Accounts, Unified Managed Accounts, and Separately Managed Accounts, you pay fees based on a percentage of assets under management for ongoing advice and services rather than commissions for trades. Depending on the account you choose, we may recommend a model portfolio or may manage your investments. Our flagship advisory program, Wealth Management Services (WMS), is designed to help you implement well-conceived, personalized investment strategies.

  • Annuities* - There are two types of annuities, immediate and deferred. With an immediate annuity you begin to receive payments soon after you make your initial investment. With a deferred annuity, your money is invested for a period of time until you are ready to begin taking withdrawals, typically in retirement. Within these two categories, annuities can also be either fixed or variable. Immediate Fixed and Immediate Variable annuities provide a stream of income for a guaranteed period shown in the contract. 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 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 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.

  • Qualified Retirement Plan Solutions – If you own a small business, the pension resource center can help you find the right funding solution for your qualified retirement plan and provide investment monitoring reports to support your plan fiduciary. Small business owners can also work with their financial professionals to discuss payroll deduction programs and other workplace solutions.

  • 529 College Savings Plans – These state-sponsored investment plans are designed to help families save money for college. Qualified distributions for higher education are federal tax-free. Restrictions apply; consult your tax adviser.

Holistic Approach to Wealth & Asset Management:

Whether we are managing an account for you or just giving you advice, many of our clients have taken advantage of our wealth aggregation tool, Personal Financial ViewSM (PFV) powered by eMoney). PFV is a comprehensive wealth management tool that offers you one-stop access to all your bank and investment account information. Features include a secure client financial home page, daily aggregation of all available financial assets, daily updated financial statements, asset allocation tools, daily alerts and tasks, a web-based storage vault for personal documents, and a full suite of financial reports and goal-based needs analysis presentations

*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 {} and SiPC {}. 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.


Technology that makes it easy to track your investments

Account access is so important in today’s 24/7 world.

We utilize the latest in technology by providing you with tools such as my Wealthscape®. Simply log on and quickly see account balances, track transactions and get detailed account reporting. Plus, you can receive and view your account statements, trade confirmations and tax documents from one convenient online location.

Strong relationships enhance our solid foundation.

Through our Broker/Dealer, MML Investor Services, we offer a broad range of investment solutions to help meet the wide variety of wealth management and retirement planning needs of today’s institutional and individual investors.  MMLIS is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC).

MML Investor Services works with National Financial Services LLC (NFS) to handle the trading, settlement and delivery of stocks and securities in a timely and efficient fashion. NFS is a leading global provider of financial business solutions to more than 1,500 institutional and retail financial organizations and independent registered investment advisors who represent approximately 5.5 million active investor accounts. NFS is a member of every major U.S. securities exchange.