At the heart of MassMutual is our team of nearly 6,500 dedicated financial professionals. Backed by more than 170 years of experience, they help people navigate some of the biggest decisions of their lives, offering guidance on how to protect their families, grow their assets, establish income streams for retirement, and more.

These parallel trends all point to the importance of trustworthy financial guidance, and MassMutual is investing in what has long been one of our greatest strengths — our network of financial professionals. We firmly believe in combining the power of personal connection with seamless digital capabilities.

Expanding Wealth Management Solutions

In today’s world, where economic change and financial innovation have made personal investing more complex than ever, MassMutual provides the financial advice and solutions Americans need. As our clients’ financial lives become more dynamic, our continued investment in world-class wealth management capabilities means we can meet their needs in ever more customized and sophisticated ways.

Building Better Futures with MMLIS

MassMutual is committed to helping a growing number of Americans achieve their financial goals through our subsidiary MMLIS, a top ranked independent broker dealer^{See footnote 23} and registered investment advisor in the country. Our network of financial professionals supports clients with growing and preserving wealth through different life stages and for future generations, offering thousands of investment solutions and an industry-leading investment advisory platform. Representing more than $274 billion in client assets, MMLIS is also one of the largest distributors of mutual funds, variable annuities, and variable life insurance in the U.S.

MMLIS Client Assets^{See footnote 22}
(in Billions)

chart data

$274B in client assets managed by MMLIS^{See footnote 22}

Offering a Broad Spectrum of Opportunities

Our wide range of capabilities helps us to match products and services to client needs, managing their financial big picture throughout different life stages and for future generations. Wealth Management solutions include:

• Investing (stocks, bonds, mutual funds, ETFs, alternative investments, separately managed accounts, hedged strategies, and more)
• Income (annuities)
• Trust and Estate (corporate trustee services, bill pay, consulting, tax, wealth transition and trust consulting)
• Business Owner and Workplace Solutions (workplace retirement, business lending, wellness solutions)

Forging New Paths and Expanding Our Wealth Management Solutions

As dynamic economic trends affect how families invest and plan for their goals, we continue to integrate more sophisticated solutions to help navigate the financial landscape.

• Alternative investments — including hedge funds, private equity, real estate, and private debt — are increasingly in demand with interest rate and market uncertainties. Over the past year, MassMutual has developed key partnerships and launched a wide array of solutions as a complement to our traditional investment lineup.
• Our in-house Wealth Management Investment Team is trusted by more of our financial professionals and clients than ever to provide bespoke portfolios for every wealth level, accompanied by advanced solutions for liquidity and market hedging.
• For small business owners, we continue to innovate and respond with opportunities to add services and capabilities. As an example, in the last 18 months, we launched RMS EasyPlan, a pooled employer plan that is already helping many small businesses simplify plan administration and reduce costs.
• A new suite of Lending Solutions provides tools for clients to help manage more of their financial life, including liquidity to meet unexpected or time-sensitive expenses while remaining focused on their long-term goals.

Securing a Legacy for Future Generations

For clients growing their savings for retirement, creating a plan to transfer wealth, or protecting assets for future generations, MassMutual Private Wealth & Trust, our federally chartered trust company, helps to preserve, grow, and transfer wealth to the people and causes that matter most to them.

By partnering with local financial professionals, MassMutual Private Wealth & Trust helps to secure individual and family assets with comprehensive trust and fiduciary expertise, including wealth management, investment management, and family office services.

Serving the Wealth Management Marketplace with Flourish

As an independently operating subsidiary of MassMutual, Flourish supports independent registered investment advisors with products serving the wealth management space. Through Flourish, MassMutual has expanded our existing product suite and strengthened our ability to deliver financial guidance while providing the best technology to advisors and their clients. The Flourish flagship product, Flourish Cash, grew deposits by over 30 percent in 2024 and added 200 wealth management firms to its client base, representing more than $1.5 trillion in AUM.

20. Cerulli Anticipates $84 Trillion in Wealth Transfers Through 2045, Cerulli, January 2022
21. Q3 2024 MassMutual Consumer Spending & Saving Index
22. Includes total client assets for MML Investors Services, LLC and MassMutual Private Wealth & Trust.
23. Top Independent Broker-Dealers in the USA | 5-Star Broker-Dealers, InvestmentNews