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Offices operating under an alternative marketing name may offer products, services, or guidance outside of their relationship with MassMutual, MML Investors Services, or their affiliated companies. Any such offices are not subsidiaries or affiliates of MassMutual or its affiliated companies.

Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC. Supervisory Office: 330 Whitney Avenue, Suite 600, Holyoke, MA 01040; Phone: 413-539-2000. Additional Supervisory Office: 2 Mott Street, 9th Floor, New York, NY 10013; Phone: 212-515-4700.

MassMutual is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies. Agency officers are not officers of MassMutual.

Financial services representatives are independent contractors and are not employees of MassMutual, its subsidiaries, or of general agents with whom they contract.

C.M. Smith Financial, Inc.

Satellite Office

Main Office

Charter Oak Financial: The Holyoke Office

Daniel McCarthy