At MassMutual Carolinas, we listen closely to gain a thorough understanding of your goals and your dreams. We then provide you with guidance and expertise to help you make sound financial decisions that can help protect your future. We also help you protect your most important assets – your family. Headquartered in Charlotte, MassMutual Carolinas has been a Carolina tradition of excellence and industry leadership since 1935. With more than 70 financial professionals, we provide customized financial solutions to thousands of clients throughout the Carolinas. A particular area of focus for MassMutual Carolinas is special needs planning. We help families develop life care plans, which can help make a difference in the quality of life for a loved one with special needs and other family members. __________________________________________________ MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies. Financial Services Representatives are independent contractors and are not employees of MassMutual, its subsidiaries, or of General Agents with whom they contract. Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC.