Laura Olmedo is a financial advisor with Mass Mutual Investors Services in Denver, Colorado. She holds Series 63 and Series 66 licenses and has 28 years of industry experience. Her prior experience includes roles at Five Peaks Capital Group, Eagle Strategies, and New York Life Insurance Company. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning and asset management services, using firm-approved tools to provide goal-based recommendations through ongoing collaborative relationships.

Haley Gray is a financial advisor with Mass Mutual Investors Services in Denver, CO, holding a Series 66 designation and five years of industry experience. She has been with MML Investors Services since 2021 and has also worked at MassMutual Life Insurance Company and HomeAdvisor. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Gregory Thomas is a financial advisor with Mass Mutual Investors Services in Denver, CO, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at MassMutual Life Insurance Company and Mass Mutual Investors Services since 2005. Outside of his advisory role, he is the CEO of GT Financial Group, Inc., where he occasionally engages in sales of life insurance products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, focusing on collaborative annual planning relationships and event-driven services such as divorce and estate-settlement planning.

Dustin Voag is a financial advisor with Mass Mutual Investors Services in Denver, CO, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2004. Outside of his advisory work, he is involved in insurance sales. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers tools such as Monte Carlo simulations and automated asset allocation to inform collaborative, annual financial planning relationships.

Howard Schuster is a CFP® professional with 23 years of experience in financial services. He has been with MML Investors Services, Inc. and MassMutual since 2005. In addition to his advisory role, Schuster is involved in outside insurance sales. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Johnathan Newcomb is a financial advisor with Mass Mutual Investors Services in Denver, CO. He holds a Series 66 designation and has one year of industry experience. Prior to entering financial services, he worked for VIO Med Spa and Clear Creek Endodontics. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to develop written recommendations typically focused on investment categories and strategies.

Gary Gibson is a financial advisor with MassMutual Investors Services in Denver, CO, holding CFP® and Series 66 credentials with 11 years of industry experience. He has been with Massachusetts Mutual Life Insurance Co and MML Investors Services LLC since 2014. Outside of advisory work, he owns oil and gas mineral rights. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using firm-approved analytical tools, focusing on collaborative, goal-oriented engagements.

Martha Lewis is a financial advisor with Mass Mutual Investors Services in Denver, CO. She holds a Series 66 designation and has experience working at Charles Schwab and Wells Fargo & Co prior to joining Mass Mutual. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, with planning engagements structured as annual collaborative relationships using firm-approved analytical tools.

Mollie Lehman is a financial advisor at Mass Mutual Investors Services with six years of industry experience. She holds a Series 66 designation and has worked with MML Investors Services since 2019, and Mass Mutual Life Insurance Company since 2018. Outside of her advisory role, she is the sole member of Strategic Wealth Coaching Group LLC, a pass-through business for tax purposes. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual planning engagements using firm-approved analytical tools and does not have discretionary authority in financial planning.

Melissa Lang is a financial advisor with MassMutual Investors Services in Denver, CO, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has worked with MassMutual Financial Group and MML Investors Services since 2005. Outside of her advisory work, she owns a consulting service focused on special needs planning, assisting parents in developing lifetime budgets for their children. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements using approved analytical tools and offers specialized planning programs including estate settlement and employer-sponsored services.

Michael Clark is a financial advisor at Mass Mutual Investors Services with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at MassMutual Life Insurance Company since 2016 and MetLife Securities Inc. from 2015 to 2017. Outside of his advisory role, he serves as a consultant under a business referral agreement assisting with connections between business owners and brokers in succession planning. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers structured, collaborative planning engagements and event-driven services such as divorce and estate settlement planning.

Victoria Avedesian is a financial advisor with Mass Mutual Investors Services in Denver, Colorado, holding Series 63 and Series 66 credentials and 15 years of industry experience. She has worked at Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2016. Outside of advising, she serves as a board member for FINSECA, a nonprofit supporting women in finance, and owns Click Training LLC, which develops training programs. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm uses detailed client information and proprietary software to create collaborative, annual financial planning engagements.

Ben Sarsozo is a financial advisor with Mass Mutual Investors Services in Denver, CO, holding a Series 63 designation and having 35 years of industry experience. He is president and CEO of Integrated Investment Group, a company he has led since 1987. Outside of his advisory work, he is co-owner of a health and fitness products business with his wife and refers clients for wills and trusts, Medicare insurance, and other financial services. Mass Mutual Investors Services provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money-manager programs, and educational seminars, structuring planning engagements as annual collaborative relationships with clients.

Alexander Balboni is a CFP® with seven years of experience, currently with Mass Mutual Investors Services in Denver, CO. He has worked at various MassMutual entities since 2018 and previously spent five years with One Stop Spirit Shop. Outside of his financial advisory role, he works part-time as a door man at a local bar in Denver. Mass Mutual Investors Services, a subsidiary of MassMutual, is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning using firm-approved analytical tools and maintains annual collaborative planning relationships with clients.

John Van De Bogart is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and 16 years of industry experience. He previously worked with Northwestern Mutual in various roles from 2009 to 2019 before joining Mass Mutual in 2019. Mass Mutual Investors Services is an SEC-registered investment adviser and broker-dealer that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software for goal analysis and offers a range of planning programs including divorce and estate-settlement planning.

Edward Eckhoff is a financial advisor with Mass Mutual Investors Services in Denver, CO. He holds Series 63 and Series 65 licenses and has 26 years of industry experience. His prior work includes roles at MassMutual Life Insurance Company and Metlife Securities Inc. Since 2019, he has also been an agent for individual life and disability income insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers financial planning, asset management, and educational programs, employing firm-approved tools to develop collaborative, annual financial plans for its clients.

Robert Lucke is a financial advisor with Mass Mutual Investors Services in Denver, CO, holding a Series 63 designation and 33 years of industry experience. His career includes roles at MassMutual Life Insurance Company since 2016 and MetLife Securities Inc. from 2015 to 2017. Lucke is also an independent insurance agent specializing in dental and group disability income, disability, fixed annuities, life accident and health, and long-term care insurance. MassMutual Investors Services operates as a subsidiary of MassMutual, offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual collaborative financial planning relationships supported by advanced software tools and provides various educational and asset management programs.

Francis Lowery is a financial advisor with MassMutual Investors Services in Denver, CO, holding a Series 66 designation and five years of industry experience. He has worked at MML Investor Services, LLC and MassMutual Life Insurance Company since 2021. Outside of his advisory role, Lowery serves as Operations Director for Traverse City CVB, overseeing logistics for IRONMAN events. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs firm-approved analytical tools to deliver collaborative, annual financial planning and offers specialized services including a standalone Divorce Planning offering and event-driven estate and employer-sponsored planning programs.

Dustin Jeschke is a financial advisor with Mass Mutual Investors Services in Denver, CO, holding a Series 66 credential and eight years of industry experience. His prior roles include positions at Edward Jones and Guardian Life Insurance Company. He is involved with the UCCS Strategic Artificial Intelligence Program. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive planning services supported by technology tools and event-driven programs such as divorce and estate-settlement planning.

Kelly Pachelo Forehand is a financial advisor with Mass Mutual Investors Services in Denver, CO, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She previously worked at MetLife Securities for 16 years before joining Mass Mutual in 2016 and 2017. She continues to service group insurance plans established during her MetLife tenure and receives commission income for those plans. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing planning with a range of investment options and educational programs.

Bruce Lutz is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and possessing 32 years of industry experience. He previously worked at Metlife Securities Inc. for 21 years before joining Mass Mutual, where he has been since 2017. He is also the owner of Lutz Financial LLC, a company established for tax filing purposes. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and a range of programs including wrap and money-manager services.

Lorraine Vicino is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 designations and possessing 46 years of industry experience. She has worked with Mass Mutual Investors Services since 2017 and was previously employed at MetLife Resources for 11 years. In addition to her advisory role, she is licensed as an insurance agent, providing life, fixed annuities, disability, long-term care, and health insurance products. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational programs, focusing on collaborative, annual planning engagements tailored to client goals.

Ann Hynek is a financial advisor with Mass Mutual Investors Services in Denver, Colorado, holding Series 65 and Series 63 licenses and 11 years of industry experience. Her prior roles include positions at Lord, Abbett & Co. LLC, Morgan Stanley Wealth Management, and Hestia Wealth & Wellness LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and a collaborative annual planning process to provide written financial recommendations, with implementation options available through separate brokerage or insurance arrangements.