Tammy Kerner is a financial advisor with Mass Mutual Investors Services in Paramus, NJ. She holds Series 63 and Series 66 licenses and has 16 years of industry experience. Prior to her current role, she worked at Metlife Securities Inc. from 2015 to 2017. In addition to her advisory work, she is also licensed as an insurance broker, focusing on life, disability, long-term care, fixed annuities, and health insurance. 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 provides financial planning, asset management, and educational seminars, with planning engagements structured as annual, collaborative relationships using firm-approved software to analyze client goals and deliver written recommendations.

Charles Linfante Jr. is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 34 years of industry experience. He has been with Massachusetts Mutual Life Insurance Company and MassMutual Investors Services since 2016. Outside of his advisor role, he is involved in insurance brokerage activities, including life, health, disability, and property/casualty insurance. 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, and charitable organizations. The firm emphasizes collaborative, goal-based planning using firm-approved software and provides a range of planning services including estate and employer-sponsored planning.

Jason Braunstein is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 66 licenses and 20 years of industry experience. He has worked at MassMutual Life Insurance Company since 2016 and joined Mass Mutual Investors Services in 2017. Braunstein also operates an outside insurance sales business focusing on life, disability, long-term care, fixed annuities, and health insurance. 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 financial planning, asset management, and educational programs using firm-approved analytics, offering recommendations without discretionary authority.

Gary Bonavita is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 42 years of industry experience. His prior experience includes nearly four decades with Metropolitan Life Insurance Company and MetLife Securities Inc. He also serves as a notary public, providing document witnessing services without charge. Mass Mutual Investors Services operates as 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 emphasizes collaborative, annual financial planning engagements that utilize firm-approved software to analyze client goals and deliver written recommendations.

Thomas Janovic is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His career includes roles at MassMutual Life Insurance Co, TFS Securities Inc, and Professional Financial Services. Janovic is also an independent insurance agent specializing in life insurance and fixed annuities. Mass Mutual 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 engagements using firm-approved analytical tools and provides a range of event-driven planning services.

Kungyee Thompson is a financial advisor with Mass Mutual Investors Services in Paramus, NJ. He holds the CFP® designation and has 30 years of industry experience. Thompson has been with Mass Mutual Investors Services since 2017 and has been affiliated with Massachusetts Mutual Life Insurance Company since 2016. 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 collaborative, annual financial planning engagements supported by firm-approved analytical tools and also offers specialized planning programs including divorce and estate settlement services.

Jilmmy Zevallos is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 66 licenses. He has 11 years of industry experience, having previously worked at Merrill Lynch, Bank of America, and JP Morgan. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes firm-approved software and collaborative planning processes to deliver written recommendations and offers specialized programs including estate-settlement and employer-sponsored planning.

Annie Chen is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and also has a related role at MassMutual Life Insurance Co since 2016. Outside of her advisory work, she co-owns Eco Paper Products Inc., a business involved in the import and wholesale of paper bags. 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 ongoing financial planning, asset management, and educational seminars using firm-approved tools and structured annual planning relationships.

Marc Laxer is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 29 years of industry experience, including 24 years at Metlife Securities and over a decade with MassMutual and its affiliated entities. In addition to his advisory role, he is licensed to sell life and health insurance as well as 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 provides ongoing financial planning, asset management, and educational seminars, structuring client engagements as annual collaborative relationships that emphasize goal analysis and strategic recommendations.

Kenneth Growney is a ChFC® with 38 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 2017 and is also affiliated with Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he serves as a board member of the Adphi Fraternity and chairs the audit committee of the Cornwall Yacht Club. Mass Mutual Investors Services, LLC operates as a subsidiary of MassMutual and provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes firm-approved software for goal analysis and offers a range of programs including asset management and educational seminars.

Victor Maccagnan is a financial advisor with Mass Mutual Investors Services, holding CFP® and ChFC® designations and over 24 years of industry experience. His career includes roles at firms such as Equitable Advisors, AXA Advisors, and Summit Advisor Services. In addition to his advisory work, he is active as an insurance broker, specializing in life, disability, property and casualty, long-term care, fixed annuities, and health insurance. MassMutual Investors Services provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charities, and employers, offering asset management, wrap programs, and educational seminars. The firm emphasizes collaborative, annual planning engagements using firm-approved software to analyze client goals and deliver written recommendations.

Paul Svetik is a financial advisor with MassMutual Investors Services in Paramus, NJ, holding a Series 63 designation and bringing 29 years of industry experience. He has been with MassMutual-related firms since 2016, including a current role at Massachusetts Mutual Life Insurance Company since 2017. Outside of his advisory work, Svetik is involved in insurance brokerage sales focused on property, casualty, and group health through separate entities. MassMutual Investors Services, LLC operates as a subsidiary of MassMutual and provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved analytical tools to deliver detailed planning and offers various investment programs alongside educational seminars.

Lawrence Siliato is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and over 42 years of industry experience. His career includes nearly four decades at Metlife Securities Inc. before joining Mass Mutual in 2016. He is also involved in health and group insurance sales through a non-MassMutual brokerage. 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, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships using firm-approved analytical tools.

Peri Jacobowitz is a financial advisor at MassMutual Investors Services with 15 years of industry experience. She holds the Series 66 designation and has worked at MassMutual Investors Services since 2017, following six years at MetLife Securities. Outside of advising, she operates a retail business selling personalized gifts. 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 with a collaborative, goal-oriented approach.

Brian Buckley is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 40 years of industry experience, having previously worked at Metropolitan Life Insurance Company and related entities for over three decades before joining Mass Mutual in 2016. In addition to his advisory role, he is an independent insurance agent specializing in health, group health, property and casualty, life insurance, and fixed annuities. 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, structuring client engagements as ongoing, collaborative relationships focused on goal analysis and written recommendations.

Michael Werfel is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 65 credentials and 20 years of industry experience. He previously worked at METLIFE Securities Inc from 2005 to 2017. Werfel serves on the board of directors for the Kiwanis Club of Pascack Valley, a charitable organization focused on local community support and fundraising for children's programs. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers by providing ongoing financial planning, asset management, and educational seminars.

Neal Desai is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley. In addition to his advisory role, he is involved in insurance sales, specializing in life, disability, long-term care, fixed annuities, and health insurance. 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, structuring planning engagements as collaborative, annual relationships using firm-approved software to analyze client goals and provide recommendations.

Leon Almeida is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding a ChFC® designation and Series 63 and 66 licenses. He has 17 years of industry experience, including prior roles at Metlife Securities Inc. Outside of his advisory work, Almeida is involved in real estate investing and owns an LLC used for marketing purposes. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing comprehensive financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm utilizes firm-approved software and collaborative annual planning to deliver tailored investment strategies without discretionary management.

John Caiafa is a financial advisor with MassMutual Investors Services in Paramus, NJ, holding Series 63 and Series 66 licenses and nine years of industry experience. Prior to joining MassMutual in 2019, he worked at Edward Jones and has been a partner in All American Pool Service since 2019. He also holds a passive ownership interest in Congruent Machine Shop. 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 using firm-approved analytical tools to develop goal-focused strategies.

Matthew Higgins IV is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 66 licenses and nine years of industry experience. His prior work includes roles at Peoples United Bank and Ramapo College. He is also involved in outside insurance sales, focusing on life, disability, long-term care, fixed annuities, and health insurance products. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing comprehensive financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes structured, collaborative annual planning engagements and offers various programs including asset management and educational seminars.