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  Licenses and Disclosures

  Insurance

  We have individuals licensed to sell insurance products in the following jurisdictions:
  California, Connecticut, Florida, New Jersey, New York, Pennsylvania

  Securities

  We have individuals registered to offer securities in the following jurisdictions:
  Florida, New Jersey, New York

  We can neither communicate with nor respond to requests from prospective clients who reside in jurisdictions where we are not licensed to conduct insurance and/or securities business.

  California Insurance Licensing

  Aaron Klein, domiciled in New York, CA Insurance License #0C93435
  Mayer Kramarsky, domiciled in New York, CA Insurance License #OH85399
  Howard Sternheim, domiciled in New Jersey, CA Insurance License #0I65207

  
  

  Check the background of this firm on FINRA's BrokerCheck.

  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: 5914 11^th Avenue, Brooklyn, NY 11219; Phone: 718-879-1700.

  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.