Kirby Pederson is a financial advisor with MassMutual Investors Services in Phoenix, AZ, holding CFP® and ChFC® designations and possessing 14 years of industry experience. He has been with MassMutual and its affiliated firms since 2011 and has additional experience dating back to 2010 with Dollarhide Financial Group. Outside of his advisory role, Pederson serves as treasurer on the board of Fatih Lutheran Preschool, where he assists with budgeting and serves on the executive committee. 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 comprehensive financial planning, asset management, and educational programs, employing firm-approved analytical tools to deliver customized financial recommendations.

Patrick Betancourt is a financial advisor at Mass Mutual Investors Services with four years of industry experience. He holds the Series 66 designation and has worked previously at Fidelity Investments and several other financial firms. 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, wrap and money-manager programs, and educational seminars.

Max Dembow is a CFP® professional with 13 years of industry experience, currently serving at MassMutual Investors Services. He has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2015. Outside of his advisory role, Dembow is involved in business coaching focused on continuity, succession, and exit planning, and he hosts webinars to coach financial advisors on comprehensive financial planning. MassMutual Investors Services, LLC is 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’s approach involves collaborative annual financial planning engagements using firm-approved software and tools to analyze client goals and recommend investment strategies.

Joseph Scheid is a financial advisor with MassMutual Investors Services in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been associated with MassMutual Life Insurance Company and its affiliates since 1994. Outside of his advisory work, Scheid is involved in business coaching and participates in a business consulting study group. 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 provides financial planning, asset management, and educational programs, emphasizing collaborative annual planning with a focus on investment categories rather than specific products.