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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Local firms are sales offices of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and are not subsidiaries of MassMutual or its affiliated companies. Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC. [www.SIPC.org] OSJ: 186 Wood Ave S, Suite 301 & LL, Iselin, NJ 08830-2763. (732) 623-5700. CRN202505-2169725

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John Tumminia CA Insurance Lic.#0M86528 State of Domicile: New Jersey

Michele Hakes CA Insurance Lic.#4115889 State of Domicile: New Jersey

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