Julius Flatt is a financial advisor at Mass Mutual Investors Services with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services and MassMutual Life Insurance Company since 1986. Outside of his advisory role, he is also active as a licensed insurance agent specializing in individual and group life and health products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser 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 deliver written recommendations tailored to client goals.

Ronald Goss III is a financial advisor with Mass Mutual Investors Services in Memphis, TN, holding a Series 66 designation and having six years of industry experience. He has worked at Mass Mutual Investors Services and MassMutual Life Insurance since 2020 and previously spent time at Strategic Financial Partners and Green Earth Landscaping, LLC. Outside of his advisory role, he is involved in insurance sales as a licensed agent. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides a range of programs including educational seminars and uses firm-approved tools to support client goal analysis and planning recommendations.

Richard Schembechler II is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and six years of industry experience. His background includes roles at MassMutual Life Insurance Company, Securian Financial Services, and Shoemaker Financial. Outside of his advisory work, he has competed as a professional golfer and continues to participate in golf tournaments. MassMutual Investors Services 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 emphasizes collaborative, annual planning relationships and provides a range of investment and planning programs.

Charlotte Cooper is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 41 years of industry experience. She has worked with MML Investors Services, Inc. since 1996 and Mass Mutual Life Insurance Company since 1991. In addition to her advisory role, she has been involved in retail sales with Mary Kay Cosmetics since 1976. 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 comprehensive financial planning, asset management, and educational seminars, with planning engagements structured as collaborative, annual relationships using firm-approved analytical tools.

Milton Knowlton is a ChFC® credentialed financial advisor with Mass Mutual Investors Services in Memphis, TN, bringing 56 years of industry experience. He has been affiliated with MML Investors Services, Inc. since 1982 and held a related broker-dealer registration since 1983. Outside his advisory role, he serves as treasurer for Memphians Care, a local organization that collects food for the Metropolitan Inter-Faith Association, and is involved in life settlement services through Knowlton Benefit Consultants, Inc. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using collaborative, annual planning engagements supported by firm-approved analytical tools.

Thomas Knowlton is a financial advisor with Mass Mutual Investors Services in Memphis, TN, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with the firm and its affiliate, Massachusetts Mutual Life Insurance Company, since 1993. Outside of his advisory role, he is the owner of Knowlton Benefits Consultants, Inc., and serves as treasurer of the Boll Weevil Charity Foundation, is on the board of directors for Courage Through Cancer, and acts as Scout Master for Troop 86. MML Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm’s approach includes annual collaborative financial planning engagements using firm-approved analytical tools, with implementation of recommendations conducted through separate brokerage or insurance arrangements.

Edwin Cultra III is a financial advisor with Mass Mutual Investors Services in Memphis, TN, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. His career includes roles at Northwestern Mutual Wealth Management Company and Mass Mutual Life Insurance Company. Outside of his advisory work, he is involved as a sales agent for Stewardshipp Planning Partners, focusing on life and health insurance. Mass Mutual Investors Services, LLC 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 structures its planning engagements as annual, collaborative relationships using firm-approved software and offers various event-driven planning programs.

Daniel Dennis is a financial advisor with Mass Mutual Investors Services in Memphis, Tennessee, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with MML Investors Services and MidSouth Financial Group/MassMutual since 2013. Outside of his advisory role, he participates in FLW Tour sanctioned fishing tournaments. Mass Mutual Investors Services, a subsidiary of MassMutual, provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved software and collaborative annual planning processes.

Benjamin Hunter is a financial advisor with Mass Mutual Investors Services based in Memphis, TN. He holds the Series 66 designation and has three years of industry experience. Prior to his current role, he worked at LifeLinc Anesthesia and has been involved with educational institutions including the University of Tennessee, Knoxville, and Briarcrest Christian School. 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 offers financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Timothy Anderson is a financial advisor with Mass Mutual Investors Services in Memphis, TN. He holds Series 63 and Series 65 credentials and has 12 years of industry experience, including ten years with New York Life and one year at Eagle Strategies. Outside of his advisory role, he serves as a governing elder and guitar player at Shepherd Bible Church, where he participates in community care, religious counseling, and decisions regarding charity fund allocation. Mass Mutual 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 collaborative, annual financial planning engagements and a range of specialized programs, including educational seminars and event-driven planning services.

Lynn Ballinger III is a financial advisor at Mass Mutual Investors Services with eight years of industry experience. He holds the CFP® designation and Series 66 license. His prior work includes roles at LPL Financial, LLC, MassMutual Life Insurance Company, and Auburn University. Mass Mutual Investors Services operates as 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, focusing on collaborative, goal-oriented planning with various investment strategies.

Wilson Cannon is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. He has been with MML Investors Services, Inc. since 1995 and Massachusetts Mutual Life Insurance Company since 1994. Outside of his advisory role, he serves as chairman of the Millington Housing Authority, a nonprofit government agency. MassMutual 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 structures planning engagements as annual, collaborative relationships utilizing firm-approved software to analyze client goals and deliver written recommendations.

Ryan Montgomery is a financial advisor with Mass Mutual Investors Services in Memphis, TN, holding the ChFC® designation and Series 63 and 65 licenses. He has 18 years of industry experience and has been with Mass Mutual and its affiliated companies since 2012. Outside of his advisory role, he is involved as a sales agent with Knowlton Benefit Consultants, Inc., focusing on life and health insurance sales. Mass Mutual Investors Services, LLC 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 ongoing, collaborative financial planning engagements and a variety of investment programs and educational seminars.

Charles Clark is a financial advisor at MassMutual Investors Services with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been with MassMutual Investors Services since 2016, previously working with MassMutual Life Insurance Company. Clark is also engaged in life and health insurance sales. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning relationships using firm-approved tools and a range of investment and planning services.

Daniel Threlkeld is a financial advisor with Mass Mutual Investors Services in Memphis, TN, holding Series 63 and Series 65 credentials and 11 years of industry experience. He previously worked at Northwestern Mutual in various capacities from 2013 to 2019. Outside of his advisory role, Threlkeld serves as treasurer for two nonprofits focused on distracted driving awareness and cultural exchange, and he is a chapter advisor for the Omicron Epsilon chapter of Kappa Alpha Pi fraternity. 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 ongoing financial planning, asset management, wrap and money-manager programs, and educational seminars.

Philip Lamoreaux III is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously with MetLife Securities Inc. from 2015 to 2017. Outside of his advisory role, he serves as a conservator managing his mother’s personal finances and healthcare needs. 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 financial planning, asset management, and educational seminars, utilizing firm-approved software to analyze client goals and provide written recommendations.

Marvin Davis is a financial advisor with Mass Mutual Investors Services in Memphis, TN, holding Series 65 and Series 63 licenses and seven years of industry experience. He has been associated with MML Investors Services and Mass Mutual Life Insurance Company since 2019 and is also the owner of Keener Path LLC, a holding company. Additionally, Marvin serves on the board of directors for AnyHour, a company specializing in electric, plumbing, heating, and air services. Mass Mutual Investors Services, LLC 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, offering a range of programs including wrap and money-manager solutions.

Jerry Corless is a CFP® professional with 28 years of experience, currently with Mass Mutual Investors Services in Memphis, TN. He has been with MassMutual Life Insurance Company since 2017 and with MML Investors Services LLC since 2012. He serves as chairman of the board for the Charles Ray and Margery Brown Fulton Foundation and is a board member of the Leadership Empowerment Center and Forward Credit Union. Corless is also an owner of a wellness and sports recovery business offering cryotherapy and sauna services. MML Investors Services, LLC 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 annual, collaborative financial planning engagements supported by firm-approved software and educational seminars.

John Mcdowell is a financial advisor with Mass Mutual Investors Services in Memphis, TN. He holds a Series 63 designation and has 27 years of industry experience, all with MML Investors Services and MassMutual since 1999. In addition to his advisory role, he is involved in life and health insurance sales through separate business activities. 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, and educational seminars, using firm-approved software to analyze client goals and provide written recommendations.