Shaun Bernstein is a financial advisor with Mass Mutual Investors Services in New York, NY, holding Series 63 and Series 65 licenses. He has six years of industry experience, including roles at Nomura Securities International, Deutsche Bank, and Bank of America. Bernstein also spent time at Columbia University in 2022. Mass Mutual Investors Services, LLC is a subsidiary of MassMutual that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, wrap and money-manager programs, and educational seminars.

Fredric Horowitz is a financial advisor with Mass Mutual Investors Services in New York, NY, holding a Series 63 designation and bringing 54 years of industry experience. He has worked with Mass Mutual Life Insurance and MML Investors Services since 1996. Outside of his advisory role, Horowitz is also an owner and agent in brokerage and insurance, and practices as a legal consultant. 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, and educational programs, structuring client relationships through collaborative, annual planning engagements.

Karl Johanson is a financial advisor with Mass Mutual Investors Services in New York, NY, holding the ChFC® and Series 63 designations and bringing 21 years of industry experience. He has worked with Mass Mutual and its affiliates since 2005. Outside of his advisory role, Karl practices as an attorney specializing in estate planning. 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 services using firm-approved analytical tools and structured, collaborative planning engagements.