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  Licenses and Disclosures

  Insurance

  We have individuals licensed to sell insurance products in the following jurisdictions:
  Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin

  Securities

  We have individuals registered to offer securities in the following jurisdictions:
  Alabama, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Ohio, Oklahoma, Oregon, Kentucky, Massachusetts, Maryland, Maine, Michigan, Minnesota, Montana, North Carolina, North Dakota, New Jersey, New Mexico, Nevada, New York, Pennsylvania, South Carolina, South Dakota, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin

  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

  Mark Kostrzewski, domiciled in New York, CA Insurance License #0D93593
  Kevin Kluge, domiciled in New York, CA Insurance License #0G36366
  F. James Ginnane, domiciled in New York, CA Insurance License #0D85535
  Thomas Waring, domiciled in New York, CA Insurance License #0B18154
  Thomas Zugger, domiciled in New York, CA Insurance License #0B80544
  David Jacobs, domiciled in New York, CA Insurance License #0I34166
  Edward Vespa, domiciled in New York, CA Insurance License #0F14179
  Andrew Meyer, domiciled in New York, CA Insurance License #0J03768
  Timothy Toomey, domiciled in New York, CA Insurance License #0D87016

  
  

  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: 300 Corporate Parkway, Suite 216N, Amherst, NY 14226, Phone: 716-852-1321.

  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.