Rochester, NY Meridian Centre Office

Matthew Hettinga is a financial advisor with MassMutual Investors Services who holds a Series 66 designation and has seven years of industry experience. His prior roles include positions at PNC Investments, Morgan Stanley Private Bank, and PNC Bank. Outside of finance, he is also a self-employed musician who performs stringed instruments at events and concerts. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers financial planning, asset management, and educational seminars, structuring engagements as annual relationships focused on client goals and written recommendations.

Patrick Gallagher is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 66 credential and 18 years of industry experience. He previously worked at LPL Financial and ESL Investment Services, LLC. Outside of his advisory role, he is a partial owner of a family winery and serves as president of the board for a charitable fundraising organization that raises funds through gaming and local events. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm provides ongoing, collaborative financial planning using advanced analytical tools and delivers investment strategy recommendations without discretionary authority.

Tracy Deer is a CFP® with 16 years of industry experience currently with Mass Mutual Investors Services. She has previously worked at MetLife Securities Inc. and has been associated with Mass Mutual Life Insurance Company since 2016. Outside of her financial advisory role, she is a team manager for a youth hockey team in Rochester, handling scheduling, roster management, finances, and fundraising. 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 ongoing financial planning and asset management services using firm-approved analytical tools and offers specialized planning programs including divorce, estate settlement, and employer-sponsored planning.

James Ferrari is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 designation and 17 years of industry experience. He has been with MML Investors Services LLC and Massachusetts Mutual Life Insurance Company since 2015. Outside of his advisory role, he is involved in health and group insurance sales as an agent. 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, using firm-approved software tools to develop collaborative, goal-based strategies without discretionary authority.

James Krueger Jr. is a financial advisor with Mass Mutual Investors Services, holding the ChFC® and Series 63 designations, and has 38 years of experience in the industry. His career includes 27 years at MetLife Securities, Inc. before joining Mass Mutual in 2016. 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 analytical tools.

Grant Kohler is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding Series 63 and Series 65 credentials and three years of industry experience. He also serves as Business Development Director at Genesee Manufacturing Company, where he oversees sales and marketing. Mass Mutual Investors Services is 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 provides collaborative, annual financial planning engagements using firm-approved tools and offers additional specialized planning services.

David Schmidl is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 license and 20 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with MSI Financial Services, Inc. from 2005 to 2017. Outside of his advisory role, he has been involved in sales for individual life products, including long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, software-supported financial planning, including new event-driven services such as divorce planning and estate settlement.

Ernesto Barcelo is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding Series 63 and Series 66 designations and possessing 32 years of industry experience. His prior roles include positions at Key Investment Services LLC and MassMutual Life Insurance Co. MML 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, and charitable organizations. The firm offers collaborative, annual planning relationships using firm-approved analytical tools and also conducts educational seminars.

Adam Follmer is a financial advisor with MassMutual Investors Services in Rochester, NY, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior work includes roles at Hornor Townsend & Kent Inc and Penn Mutual Life Insurance Co. In addition to his advisory work, he serves as Vice President and Agent at Tessera Wealth Management, focusing on insurance sales and service across multiple carriers. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm delivers ongoing financial planning, asset management, and educational programs, using comprehensive analysis tools to develop written recommendations for clients.

Paul Diduro is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 designation and 38 years of industry experience. He has worked at Metropolitan Life Insurance Company since 1987 and has been with Mass Mutual Investors Services since 2017. Additionally, he operates as an independent insurance agent specializing in life, accident, and health insurance. 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 provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Julie Yunker is a financial advisor with MassMutual Investors Services in Rochester, NY, holding Series 63 and Series 65 licenses and 22 years of industry experience. She has been with MassMutual Investors Services since 2017 and also serves as an agent with MassMutual Life Insurance Company. Outside of her advisory role, Yunker is a board member of the Genesee County YMCA, overseeing the organization’s operations. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers ongoing, collaborative financial planning engagements using firm-approved tools and delivers written recommendations, with implementation arranged separately through brokerage or insurance channels.

John Ceddia is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 37 years of industry experience, including roles at MetLife Securities Inc. and Metropolitan Life Insurance Company since 1988. Since 2007, he has also worked as an independent insurance agent specializing in fixed annuities and life, accident, health, and long-term care insurance. 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, using collaborative, technology-supported approaches to help clients with their financial goals.

Michael Donahue is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 32 years of industry experience, including roles at MetLife Securities Inc. and Metropolitan Life Insurance Company since 1993, and has been with Mass Mutual Investors Services since 2017. His background includes a decade at Massachusetts Mutual Life Insurance Company. 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, providing annual collaborative financial planning engagements supported by firm-approved analytical tools.

Mark Yuhnke is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 37 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has been associated with MetLife Securities Inc. and Metropolitan Life Insurance Company since 1988. Mass Mutual Investors Services 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 education programs, using firm-approved tools and a collaborative, annual planning process.

Nicholas Bocach is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation. He has less than one year of industry experience, having joined Mass Mutual Investors Services in 2026. His prior work includes roles at MassMutual Life Insurance Company, West Herr, Lowes, and the Brockport School Systems. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers planning engagements using firm-approved software and delivers written recommendations, with optional implementation through separate brokerage or insurance arrangements.