bringing financial services to your clientsa massmutual financial services representative can help...

| insure | invest | retire |

Massachusetts Mutual Life Insurance Companyand affiliates, Springfield, MA 01111-0001

www.massmutual.com

Massachusetts Mutual Life Insurance Company and affiliates1295 State Street, Springfield, MA 01111-0001


www.massmutual.com



www.massmutual.com


Position correct sizeand version ofMassMutual logoin this position.DO NOT SCALE LOGOS!

Bringing financial services to your clientsStrategic Alliance Program

Bring your business full circle

Your clients rely on your experience, and the products and services you can offer to help them achieve their financial goals. Now you can offer them even more.

It’s simple. If you’re looking to enhance your value proposition to current clients, while creating an opportunity to expand your client base and your bottom line, then the Strategic Alliance Program can work for you.

The information provided is not written or intended as specific tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

1

By offering your clients access to an expanded array of financial products and services, Massachusetts Mutual Life Insurance Company’s (MassMutual’s) Strategic Alliance Program can help you develop additional business with existing clients, and give you an edge over the competition to attract new clients to your business. The Strategic Alliance Program also allows you the opportunity to increase your revenue, all while keeping in focus your practice’s most valuable asset – your clients.

In thinking about expanding your financial services, we understand that it takes more than simply offering additional products. We will work with you each step of the way to conduct needs-based consultations with your clients designed to help them meet their financial goals.

We’re dedicated to helping clients protect their income, help

preserve capital and accumulate wealth. In today’s complex

business environment, our analysis, products and carefully

crafted programs can help bring security for individuals, fami-

lies and business owners. Financial services representatives*

can conduct objective needs-based consultations with clients

and recommend strategies designed to help clients prepare for

their financial future.

Through a Strategic Alliance relationship, your clients can

have access to a full line of insurance and investment products

and services:

Wealth Accumulation & Investment Planning

Helping your clients determine an appropriate asset allocation

strategy based on their objectives, priorities and risk tolerance.

• Annuities

• MutualFunds**

• AssetManagementPrograms**

Wealth Protection & Insurance Planning

Wealth preservation strategies using insurance products can

help your clients protect against the adverse financial conse-

quences of basic human risks – death, disability or outliving

one’s financial resources.

• LifeInsurance:Term,Whole,Variable**,Universal

• DisabilityIncomeInsurance

• LongTermCareInsurance

Financial services

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

** Offered through authorized registered representatives of MML Investors Services, LLC.

2

Business Planning

All businesses – large and small – have unique needs based

on their stage in the business life cycle. Identifying core needs

of the business can help your business-owner clients success-

fully manage their business.

• SuccessionPlanning

• KeyEmployeeRetention

• EmployeeBenefits

• Employer-sponsoredRetirementPlans

• BusinessOverheadExpenseProtection

• Buy-SellStrategies

• Non-QualifiedExecutiveFringeBenefits

• ExecutiveBonus

• DeferredCompensation

• SplitDollar

A MassMutual financial services representative can help clients with many of their financial needs. It is important to note that financial services professionals are only able to provide certain services, such as financial planning services, if they are properly licensed to do so and have satisfied any applicable requirements. At MassMutual, it is our goal to help clients realize their financial success by providing the products and services designed to help meet their needs. A MassMutual financial services professional will work with other financial services professionals, when necessary, to help clients reach their financial goals.

Retirement Planning

Selecting the appropriate retirement strategy can help your

clients achieve their financial goals for retirement.

• RothIRAs,TraditionalIRAs,SEPs

• Annuities

• SupplementalExecutiveRetirementPlans

• RetirementNeedsAnalysis

Estate Planning

It is important for your clients to address the accumulation,

use and preservation of assets, as well as the tax and legal

concerns when planning their estate. Thorough planning is a

vital step in helping your clients manage their estates.

• MinimizeEstateTaxes

• LiquiditytoHelpPayEstateTaxes

• ProtectEstateforFutureGenerations

• AssureProperAssetDistribution

• TaxReductionStrategies

• CharitableGivingStrategies

Trust Services

TheMassMutualTrustCompany,fsb offers clients a full

range of fiduciary and custodial services. The trust company

can help clients manage their assets through trust and estate

planning services including trust creation, distributions, tax

filings, and money management.

3

Ourfinancialservicesrepresentativesoffertheircommitmenttoyouandyour

clients – starting in your community.

We can provide the products easily enough. We can even provide the clients

servicesandcase-by-caseconsultation.Butwetakeitonestepfurtherby

providingalloftheseonalocallevel.Ourqualifiedfinancialservicesrepre-

sentatives are available around the corner to provide the support and resources

necessary to help ensure your success, and the satisfaction of your clients.

Through an alliance, you will work with a team of local financial services

professionals who are well versed in various financial products and services,

and have access to resources from a global FORTUNE 500®organization*.

Ourfinancialservicesrepresentativeswilleducateclientsonvariousinsurance

and investment strategies then perform a needs-based analysis before recom-

mending a product or services. Financial services representatives have access

toafullrangeofproductsfromMassMutualanditssubsidiaries,aswellas

other quality companies, designed to help meet your clients’ needs.

Local support from a team of professionals

*FORTUNE ® Magazine, May 6, 2013.

Marketing support

Marketing will be instrumental in integrating financial services into your business, and we want to help you succeed. We have developed the tools, marketing programs and communication vehicles needed to market to your clients, and will work directly with you to develop a strategic action plan.

• Business/MarketingPlan

• Announcementand Follow-up Letters

• PressReleases

• EducationalClientSeminars

• CustomizableMarketingMaterials

Retirement PlanningYour life’s journey should include a comfortable

retirement. A financial services representative

can work with you to select the appropriate

tax-favored retirement program and review other

strategies to help you achieve your dreams for

retirement. The following are just a few of the

options available:

• Roth IRAs, Traditional IRAs, SEPs

• Annuities

• Profit Sharing Plans

• 401(k) Plans

• Supplemental Executive Retirement Plans

• Pension Strategies

Estate Planning When planning your estate, it is important to

address the accumulation, use and preservation

of assets, as well as the tax and legal concerns.

Thorough planning is a vital step in helping you

manage your estate and pass the maximum amount

on to your heirs. In conjunction with your team

of legal and tax counsel, your financial services

representative can help you to consider the

following items:

• Liquidity to Help Pay Estate Taxes

• Protect Estate for Future Generations

• Assure Proper Asset Distribution

• Tax Reduction Strategies

• Charitable Giving Strategies

Wealth Protection & Insurance PlanningEveryone needs a plan to protect against the

adverse financial consequences of basic human

risks – death, disability or outliving one’s financial

resources. We can offer access to the following

wealth preservation products to help meet

your needs:

• Life Insurance: Term, Whole,

Variable*, Universal

• Disability Income Insurance

• Long Term Care Insurance

Business PlanningAll businesses – large and small – have unique

needs based on their stage in the business life cycle.

Your financial services representative can help

identify core needs of the business:

• Succession Planning

• Key Employee Retention

• Employee Benefits

• Employer-sponsored Retirement Plans

• Business Overhead Expense

• Buy-Sell Strategies

• Non-Qualified Executive Fringe Benefits

• Executive Bonus Plans

• Deferred Compensation Funding

• Split Dollar Insurance

Life is a journey.It can be full of bumps and potholes; and for many

of us, it can be quite hectic. But taking the time to

make financial decisions can make the journey so

much more rewarding – now and down the road.

While all of us have good intentions to get our

finances in order, we may not always have the time,

or even know where to start.

Through our new alliance, your financial services

representative can help you develop a plan for

your financial goals, your dreams, and your

life’s journey.

Wealth Accumulation & Investment PlanningRepresentatives are available to help you

determine an appropriate strategy based on your

objectives, priorities and risk tolerance. Products

and services include the follo w ing options:

• Annuities

• Mutual Funds*

• Asset Management Programs*

* Offered through qualified registered representatives of MML Investors Services, LLC.

Massachusetts Mutual Life Insurance Company

and affiliates, Springfield, MA 01111-0001

www.massmutual.com

Massachusetts Mutual Life Insurance Company and affiliates

1295 State Street, Springfield, MA 01111-0001



www.massmutual.com





www.massmutual.com



Position correct size

and version of

MassMutual logo

in this position.

DO NOT SCALE LOGOS!

Helping you

plan for your

financial future

State of the American family

An Educational Guidefor Families

Understanding the long-term challenges of disability

Easter Seals “Living with Disabilities” studyMade possible by MassMutual

An Overview of Key Findings for Consumers

Financial Strategies

A Solutions Guide

Your life, your wayFocus on what you value most.

Become an employer of choice.

Attract and retain qualified and

talented employees.

Let us help.

PLACEHOLDER FOR IMPRINT

Business Planning

Taking care

of business.

For ProDUCEr UsE only. not For UsE with thE PUbliC.

Connect with your audience. Capture their attention. Enrich their lives.

Hosting handbook for financial seminars

WKS1005 311

Pearls of Wisdom Financial Seminar

© 2222 Massachusetts Mutual Life Insurance Company, Springf eld, MA. All rights r

eserve

d.

4

Through Strategic Alliance, you’ll be working with the

experienceofMassachusettsMutualLifeInsuranceCompany

(MassMutual)–acompanythatcontinuestodeliverstrong

financial results and exceptional performance*, and maintains

its strength, stability and continuity for you and your clients.

Oursisatraditionofsuccessthatisover160yearsinthe

making. We take the time to work closely with you and your

clients so that we may provide products and services both you

and your clients can trust.

MassMutual’sabilitytohelpyouandyourclientspreparefor

and adapt to an ever-changing world and financial landscape

has kept us in the forefront of the industry for more than

160years.Whileourlineofproductsandservicescontinue

to evolve, our commitment to serve our clients remains

constant.MassMutualiscommittedtoensuringthataninsur-

ancepolicybenefitwillbethere10,20,30ormoreyears

from now, when it’s needed to pay a claim, help fund retire-

mentorhelpwiththecostsoflongtermcare.MassMutual

strives to maintain its strength so that we can continue to

meet our obligations to policyholders in the future. That’s

MassMutual’scommitment–valueforourpolicyholders,for

both today and tomorrow.

A name you can trust

*ToviewMassMutualFinancialGroup’sAnnualReport,pleasevisitwww.massmutual.com

MassMutual. We’ll help you get there.®

Securities,investmentadvisoryservicesandfinancialplanningofferedthroughMMLInvestorsServices,LLC.,memberSIPC.1295StateStreet,Springfield,MA01111.

BN1000 114 CRN201512-178680

© 2013 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.

NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION • NOT FDIC OR NCUA INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY ANY BANK OR CREDIT UNION • MAY GO DOWN IN VALUE

bringing financial services to your clientsa massmutual financial services representative can help...

Documents