Licensing & Disclosures

Our financial professionals combine their education in financial services with an in-depth knowledge of the ever-changing insurance industry landscape to provide you with solutions for your unique situation. All financial professionals must pass comprehensive exams to obtain a license to sell products in your state.

Insurance

We have individuals licensed to sell insurance products in the following jurisdictions:

AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MD, MI, MN, MO, MS, MT, NE, NH, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WV, WI, WY.

Securities

We have individuals registered to offer securities in the following jurisdictions:

AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL,GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WI, WV, WY.

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.

We cannot communicate with, nor respond to requests from users who reside in jurisdictions where we are not licensed to conduct insurance and/or securities business

Supervisory Office
13455 Noel Rd. 20th Floor
Dallas, TX 75240

©2017, ALL RIGHTS RESERVED

Registered representative of and offers securities through MML Investors Services, LLC. Member SIPC. Supervisory office: 13455 Noel Rd. 20th Floor Dallas, TX 75240; (972) 458-9907

2 Registered representative of and offers securities and investment advisory through MML Investors Services, LLC. Member SIPC 13455 Noel Rd. 20th Floor Dallas, TX 75240; (972) 458-9907. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies. Fee based financial planning services are offered through Spectrum Strategies, LLC, a registered Investment Advisory Firm, and are not offered or sponsored by MML Investors Services, LLC. Spectrum Strategies, LLC is not a subsidiary of or affiliate of MML Investors Services, LLC.

3 Registered representative of and offers securities and investment advisory services and financial planning through MML Investors Services, LLC. Member SIPC. 13455 Noel Rd. 20th Floor Dallas, TX 75240; (972) 458-9907.

4 Licensed but not practicing. This firm is not a CPA firm.

5 Neither MML Investors Services, LLC nor any of its employees or affiliates are authorized to give legal or tax advice. Consult your own personal attorney, legal or tax counsel for advice on specific legal and tax matters.

6 The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 2,730 Dallas/Fort Worth wealth managers were considered for the award; 382 (14 percent of candidates) were named 2017 Five Star Wealth Managers.

*IMPLEMENTATION The client is free to implement the plan recommendation with whomever he/she chooses
**REVIEW Periodic reviews or updates require a new agreement and may be subject to additional fees.