Strategic Partners

For more than 156 years, Massachusetts Mutual Life Insurance Company (MassMutual) has helped its policyholders and clients take the right steps to help secure their financial futures. We are one of approximately 85 MassMutual agencies in the United States. As a general agency of MassMutual, we have brought the extensive resources of this Fortune 100 company and other fine companies to this community to meet the many critical personal and business needs of local residents and firms through financial planning, insurance, investments, and retirement products. A company with a strong track record of reliability, MassMutual’s financial strength ratings are among the highest of any company in any industry, and it holds the honor as one of America’s “Most Admired” companies.

MassMutual offers a wide array of insurance products including:

• Term Life Insurance Products
• Permanent or Term/Permanent Blend Products
• Survivorship Life Products
• Disability Income Products
• Variable and Fixed Annuity Products
• Long Term Care Insurance
• Employer Sponsored Retirement Plans

MML Investors Services, Inc. (MMLISI) was founded in 1981 and is one of the largest distributors of mutual funds, variable annuities and variable life insurance in the United States. It is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC). MMLISI is authorized to conduct business in all 50 states, the District of Columbia, and Puerto Rico, and has approximately 5,000 registered representatives nationwide.

MMLISI products offered by our associates include:

• Mutual Funds
• Direct Participation Programs
• Non-Traded Real Estate Investment Trusts (REITs)
• Unit Investment Trusts
• 529 College Savings Plans
• General Securities

Some of our registered representatives provide investment advisory services, such as asset management programs and financial planning, through affiliation with our registered investment adviser.

Many people use trusts as a key element in their estate and wealth transfer plans and to direct how their legacy will be managed and distributed after their death. The MassMutual Trust Company, FSB offers trust and fiduciary services to help clients implement their wealth transfer plans.

No one trust, or type of trust, is suitable for everyone. All circumstances are unique, and clients’ fiduciary needs are as well.

MassMutual Trust Company offers a broad range of fiduciary services, including:

• Agency Account
• Agent for Trustee
• Business Related Trust Accounts
• Charitable Remainder Trusts
• Estate Settlement
• Irrevocable Life Insurance Trusts
• Retirement Accounts
• Revocable Living Trusts
• Special Needs Trusts

MassMutual is not MFP’s only source of products. Ash Brokerage provides us with an in-house brokerage outlet to help meet our clients’ needs, including life insurance, fixed annuities, disability income and long term care insurance.

Ash companies include but are not limited to:

• AIG
• Genworth
• ING ReliaStar
• John Hancock
• MetLife
• Prudential
• West Coast Life
• American National
• Lincoln Benefit
• The Principal
• Sun Life

Miceli Financial Partners is allied with several group insurance broker/providers. Our associates work with clients to determine the appropriate provider to fit a particular group depending upon size, benefit structure and other factors.

Our Strategic Group Benefits Partners are:

• California Creative Benefits
• ClientOne
• FFS Insurance Services
• Magnate Benefits