Zac Mulford, Financial Advisor, MassMutual

I’m an experienced financial advisor. I’ve worked with countless clients to prepare for and transition into retirement. There’s more to financial planning than putting money in your 401(k) and taking it out later. I work with people to identify their goals, understand their risks, and implement their action plan. If you’ve asked yourself any the following questions, it might make sense for us to talk about it: • Am I saving enough money? • How can I to turn my retirement savings into income? • Are my investment fees reasonable? • Am I saving in the right places? • How can I help protect my savings from a market correction? • How can I allocate my savings to have more income options later? • Am I on pace to maintain or improve my lifestyle in retirement? • What happens to my family if I can’t provide for them at the same level as I do today? • Should I have a succession plan for my business? • Do I actually need life insurance? The actions you take today – or more importantly, don’t take – could have a significant impact on your retirement income down the road and your ability to reach your financial goals. The sooner you address your concerns, the more options you’ll have to put your plan in place today and provide the lifestyle you want for you and your family. I often hear people say: “I already have an advisor” or “I do it myself” – that’s great. In my experience, clients who’ve said that have benefited from talking about their current strategies so they can identify and understand potential areas for improvement and overlooked risks. The online investing platforms and robo-advisors available today typically don’t provide comprehensive guidance and access to all the financial tools you may need to effectively and efficiently reach your goals and maintain your lifestyle. I am licensed and registered to offer products and services in WI, MN, IL & FL. Licenses and registrations will vary. Domiciled in WI. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC. 9000 W Chester Street, Suite 100, Milwaukee, WI 53214. 414-615-4850. CRN202005-229806