Investing

FINANCIAL SERVICES FROM  MASSMUTUAL CENTRAL US

MCCU is proud to provide our members access to the following products and services through a qualified representative of MassMutual Central US, 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

FINANCIAL PLANNERS

Hugo E. Hietapelto, CFP®, ChFC®, CLU®, CFBS, MS
Certified Financial Planner™ Professional
Certified Family Business Specialist
hhietapelto@financialguide.com
(218) 878-3645

Melissa J. Morris, CLU, ChSNC
melissamorris@financialguide.com
(612) 790-2236
Isanti, North Branch & Sandstone

We are licensed to sell insurance in: Colorado, Kansas, Washington, Florida, Michigan, Minnesota, North Carolina, Nevada, Texas and Wisconsin.

We are licensed to sell securities in: California, Colorado, Florida, Hawaii, Kansas, Missouri, Nevada, South Dakota, Texas, Wisconsin and Minnesota.

Not all products and services offered through MassMutual.

*Securities are offered through MML Investors Services, LLC.

Check the background of this investment professional on FINRA's BrokerCheck

Investment and/or insurance products offered are:

• NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION ("FDIC"), THE NATIONAL CREDIT UNION ADMINISTRATION ("NCUA") OR ANY OTHER GOVERNMENT AGENCY?
• NOT A DEPOSIT OR OTHER OBLIGATION OF THE CREDIT UNION OR AN AFFILIATE OF THE CREDIT UNION AND IS NOT GUARANTEED BY THE CREDIT UNION?
• SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPLE INVESTED, AND NOT A CONDITION TO THE CREDIT UNION'S EXTENSION OF CREDIT?

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. Securities, investment advisory and financial planning services offered through qualified registered represntatives of MML Investors Services, LLC., Member SIPC.

Supervisory office: 100 South 5th Street, Suite 2300 and 2450 Minneapolis, MN 55402 (612) 333-1413. Members Cooperative Credit Union is not a subsidiary or affiliate of MML Investors Services, LLC or MassMutual.

MassMutual Central US is not affiliated with Members Cooperative Credit Union. Each firm is independently responsible for the services they provide.

Local firms are sales offices of Massachusetts Mutual Life Insurance Company (MassMutual), and are not subsidiaries of MassMutual or its affiliated companies.