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The Power of Me

Financial Services from MassMutual Minneapolis  Financial Group

PRODUCTS & SERVICES

Members Cooperative Credit Union provides its members access to the following products
and services through qualified representatives at MassMutual Minneapolis, a general agency of
Massachusetts Mutual Life Insurance Company (MassMutual).

FINANCIAL PRODUCTS & STRATEGIES
• Life and Disability Income Insurance
• Retirement Income Needs
• Budgeting and Cash Flow Study

RETIREMENT PRODUCTS & STRATEGIES
• Individual Retirement Accounts (IRAs)
• Fixed and Variable Annuities
• Retirement Needs Analysis
• Tailored Retirement Programs
• Long-Term Care Insurance
TUITION FUNDING PROGRAMS
• College Costs Analysis
• Insurance products and Investments
INVESTMENT PRODUCTS*
• Mutual Funds
• Unit Investment Trusts
• Variable Annuities
ESTATE PLANNING
• Tax Reduction Strategies
• Charitable Giving
• Hypothetical Probate Needs Analysis
BUSINESS CONTINUATION STRATEGIES
• Funding Option Analysis
• Buy - Sell Strategies
• Family Business Succession
• Key Person Insurance
EXECUTIVE FRINGE BENEFITS
• Executive Bonus Plans
• Split Dollar Insurance
• Deferred Compensation Funding
• Salary Continuation Plans
• Non-Qualified Executive Fringe Benefits
EMPLOYEE BENEFIT PROGRAM
• Life and Disability Income Insurance
• Pension, Profit Sharing, and 401k Plans
• Payroll Deduction Plans
• SIMPLE IRAs
• Non-Qualified Retirement Programs
 

In Cloquet, Aitkin or McGregor contact Hugo Hietapelto at:
(218) 878-3645
or: hhietapelto@financialguide.com

In the Duluth area
contact Bill Schnepp at:
(218) 878-3645
or: wschnepp@financialguide.com

 
Not all products and services offered through MassMutual. 
*Securities are offered through MML Investors Services, LLC.
Learn more: Financial Advisors  Licensing
Neither MassMutual nor any of its employees or agents are authorized to give legal or tax advice. Consult your own personal attorney, legal, or tax counsel on specific legal and tax matters. Hugo Hietapelto and William Schnepp are Registered Representatives of, and offer securities and investment advisory services through, MML Investors Services, LLC., member SIPC.
Supervisory office: 901 Marquette Avenue, Suite 2600, Minneapolis, MN 55402 (612) 333-1413. Members Cooperative Credit Union is not a subsidiary or affiliate of MML Investors Services, LLC or MassMutual.
• NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION
• NOT FDIC OR NCUA INSURED
• NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
• NOT GUARANTEED BY ANY BANK OR CREDIT UNION
• MAY GO DOWN IN VALUE

 

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