Rockville, MD Gaither Road Office

Jacob Engel is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds the Series 66 designation and has a diverse work history, including roles at MassMutual Life Insurance Company, Crouse Ford, Evapco, Leidos Biomedical Research, and military service in the Marine Corps. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements supported by firm-approved analytical tools and educational seminars.

Robert Virden Jr. is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and was previously with Metlife Securities from 2009 to 2017. He is also associated with Massachusetts Mutual Life Insurance Company since 2016. Mass Mutual Investors Services, LLC 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 educational seminars, utilizing firm-approved tools to provide goal-based recommendations without discretionary investment authority.

Thomas Cabral is a ChFC® credentialed financial advisor with 18 years of industry experience. He is currently with Mass Mutual Investors Services and MassMutual Life Insurance Co., having joined both in 2025. His prior experience includes roles at Citigroup Global Markets, LPL Financial, and M&T Securities, among others. 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, asset management, and educational seminars, utilizing firm-approved software for goal analysis and structured, annual planning engagements.

Michelle Balfe is a financial advisor with Mass Mutual Investors Services in Rockville, MD, holding Series 63 and Series 65 credentials and with 24 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities Inc. from 2015 to 2017. Outside of her advisory role, Balfe serves as a board member of the Bowie, MD Green Team Executive Committee and is an independent insurance agent for group disability and group dental coverage. 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 financial planning, asset management, educational seminars, and specialized services such as divorce planning and estate-settlement programs.

Sarah White is a financial advisor with Mass Mutual Investors Services and has 34 years of industry experience. She holds Series 63 and Series 65 credentials and has been with MML Investors Services, Inc. and Mass Mutual Life Insurance Company since 1991. In addition to her advisory role, she is involved in sales of life, health, group life, and group 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 offers financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning and various specialized programs such as divorce and estate-settlement planning.

Blair Fetzer is a financial advisor with Mass Mutual Investors Services in Rockville, MD, holding Series 63 and Series 65 licenses and having 11 years of industry experience. His career includes roles at Mass Mutual Investors Services, MassMutual Life Insurance, Pruco Securities LLC, and New York Life. He also serves as an insurance broker for Erie Insurance Co. 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, emphasizing collaborative, annual planning engagements that utilize firm-approved analysis tools.

Gerard Ransing is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 35 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with MetLife Securities Inc. from 2015 to 2017. Additionally, he operates as an independent insurance agent specializing in fixed annuities. 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 tools to provide written recommendations in collaborative, annual planning engagements.

Fang Gu is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. Gu previously worked at Metlife Securities, Inc for 16 years and has been with Mass Mutual-related firms since 2016. Outside of advisory work, Gu is also an insurance broker specializing in life 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, emphasizing collaborative, goal-oriented client relationships and a range of event-driven planning services.

Ignacio Calles is a financial advisor at Mass Mutual Investors Services with Series 66 and Series 63 credentials and three years of industry experience. His prior work includes roles at NYLIFE Securities LLC, New York Life Insurance Company, and Eldenstreet Financial. 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 uses a collaborative, software-supported approach to deliver written financial recommendations without discretionary authority.

James Fitze Jr. is a financial advisor with Mass Mutual Investors Services in Rockville, MD, holding Series 65 and Series 63 licenses and 11 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co. since 2017, following four years at Applied Network Solutions, Inc. MML 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, utilizing firm-approved software and event-driven planning programs, including a recent addition of Divorce Planning.

John Hill is a financial advisor with Mass Mutual Investors Services in Rockville, MD, holding Series 63 and Series 65 licenses and 15 years of industry experience. His career includes roles at MML Investors Services, Mass Mutual Life Insurance Company, Eagle Strategies, NyLife Securities, and New York Life Insurance Company. 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, using firm-approved tools to develop collaborative, goal-oriented planning relationships.

Robert Lembo is a financial advisor with Mass Mutual Investors Services in Rockville, MD, holding Series 63 and Series 65 licenses and 39 years of industry experience. His career includes longstanding roles at Guardian Life Insurance Co. of America, National Life, MetLife Securities, and Massachusetts Mutual Life Insurance Company. He also works as an independent insurance agent specializing in dental and group disability income, fixed annuities, long-term care, life, accident, and health 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 provides ongoing financial planning using firm-approved analytical tools and offers asset management, wrap and money-manager programs, and educational seminars.

James Seminara is a financial advisor with Mass Mutual Investors Services in Rockville, MD, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior work includes roles at METLIFE Securities Inc and MassMutual Life Insurance Company. He is also licensed as an insurance agent focusing on life, health, and long-term care insurance. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm uses firm-approved software and structured planning processes to deliver written financial recommendations as part of ongoing client relationships.

Jennifer Calara is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. She has seven years of industry experience, including prior roles at Farmers Financial Solutions and Allstate Insurance. Outside of her advisory work, she owns and operates The Calara Agency, which provides property and casualty insurance as well as Medicare insurance services. 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, focusing on collaborative client relationships and goal-based recommendations.