Jose Velasco is a CFP® professional with 26 years of industry experience. He is currently affiliated with MassMutual Investors Services and MassMutual, having worked there since 2016 and 2017, respectively. Prior to that, he spent two years at MetLife Securities Inc. and has also been involved with Convergys since 1999. Velasco is involved in an outside business as a sales owner at Delmar Insurance and Services, Inc., which provides individual and group life and health insurance and fixed annuities. MassMutual 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 programs, focusing on collaborative client relationships and use of advanced planning software.

Denise Abi Fadel is a CFP® professional with 24 years of experience, currently with Mass Mutual Investors Services since 2017. She previously worked at American General Financial Advisors from 2001 to 2017. Outside of advising, she manages a business that provides life, fixed annuities, disability, long-term care, and health insurance solutions. 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, emphasizing collaborative, annual planning engagements.