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MassMutual financial professional.

Charles "Chuck" Locyemail

Skylight Financial Group - Cincinnati

3825 Edwards Road Suite 210
Cincinnati, OH 45209

  • Professional Story



    “What you do unto the least of these, you do unto me” --Gospel of Matthew 25:40.


    People with Development Disabilities, or an adult onset disability, need all the proper financial and legal assistance to protect their assets and enhance their quality of life.


    Government benefits eligibility for SSI and Medicaid.

    Review guardian arrangements, conservatorship, and client self-determination and advocacy issues.

    Determine appropriate funding/asset preservation vehicles.

    Develop a team approach with qualified attorneys and advisors.

    To develop a plan unique to your family’s needs.

    Is Veterans Administration Improved Aid and Attendance Income a consideration?



    Financial Issues and Strategies

    Securities Questions

    Protection Products/Insurance/Annuities

    Special Needs Trust Coordination

    *Special Needs Trust Funding Strategies

    Special Needs Trust Asset Management Strategies

    *Special Needs Trust Tax Strategies

    Medicare Parts C & D Issues

    *Medicaid Planning Issues

    Qualified Medicaid Funeral Trust Funding

    Veteran’s Improved Pension Income Issues

    *Tax Planners of America Affiliation

    Medicaid Qualified Funeral Trust

    Not all products and services are offered by MassMutual


    * These services are available through the team of professionals developed by the advisor including but not limited to: CPA's, Attorneys, etc.




    30+ years in the Financial Services Industry

    15+ years of focus in the Special Needs Community

    Chartered Financial Consultant (ChFC) and Elder Care case work with Attorneys and Qualified Providers.



    B.S. Ohio State University

    CLU and ChFC from The American College



    Autism Society of America: Greater Cincinnati Chapter, Board Member/ Past Treasurer/Ambassador

    Fishing Has No Boundaries: Southern Ohio Chapter Vice President

    Author and Speaker:


    “What’s in the Well Comes up in the Bucket:

    Why the Quality of our lives depends on our thoughts and our reaction to the thoughts of others.”


    “I am that..that is in the Well:

    How your life is controlled by the Most Influential Person on the Planet: YOU”


    Speaking Engagements


    I am available for speaking engagements dealing with:


    “The Need for Special Need Planning”*

    “Medicaid Issues and Strategies”*

    “Veterans Aid and Attendance”

    “Improved Pensions”

    “History of U.S. Flags, with Flags!”

  • Languages:
    • English

  • Credentials:
    • CLU®
    • ChFC®

  • Specialties:
    • Insurance Strategies
    • Investment Strategies

Check the background of this investment professional on FINRA's BrokerCheck

See Charles’s Licenses and Disclosures

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