Flora Kam is a CFP® professional with 22 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. Her career includes 13 years at METLIFE Securities and ongoing roles at MassMutual Life Insurance. In addition to her advisory work, she manages existing health insurance clients and conducts annual plan reviews. MassMutual Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, employing firm-approved tools and collaborative planning processes.

Melvin Honda is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 43 years of experience in the industry, including prior roles at MetLife Securities and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he operates as an independent insurance agent specializing in dental, disability, life, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning and asset management services through structured, collaborative engagements using firm-approved analytical tools.

Gregory Williams is a CFP® professional with 31 years of experience in the financial services industry. He is currently affiliated with Mass Mutual Investors Services and MassMutual Life Insurance Company, where he has worked since 2017. Prior to that, he spent 20 years at Metropolitan Life Insurance Company and MetLife Securities Inc. Williams also works as an independent insurance agent specializing in dental and group disability income, life, accident, health, long-term care, and Medicare-related products. 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 seminars, focusing on collaborative, annual planning engagements that utilize firm-approved software to develop written recommendations tailored to clients' goals.

Thomas Fritze is a ChFC® with 27 years of experience in the financial services industry. He has been with MassMutual Investors Services since 2005 and has also been involved in life and health insurance sales through Creekside Insurance since 1995. 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 ongoing financial planning, asset management, and educational seminars, using firm-approved analytical tools to develop collaborative, written recommendations tailored to client goals.