Daniel Peffley is a financial advisor with Mass Mutual Investors Services in Toledo, OH, holding a Series 63 designation and with 23 years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2002. Outside of advising, he works as a college instructor and serves on a finance department board that collaborates with local businesses and the university to prepare students for the workforce. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, and charitable organizations. The firm provides customized planning using advanced software tools and maintains collaborative, ongoing client relationships.

David Clarke is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 33 years of industry experience. He has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company since 1993. In addition to his advisory role, he is involved in life and health insurance sales. 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 programs, utilizing firm-approved tools to analyze client goals and provide written recommendations.

Richard Youssef is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and over 41 years of industry experience. He has worked with firms including VOYA Financial Advisors and Northwestern National Life Insurance Company, and he owns Youssef Financial Services, which provides insurance and investment products. He also operates as an independent insurance agent specializing in fixed life insurance and annuities. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, utilizing multiple program structures and a multi-manager platform with access to both affiliated and third-party managers.