The information provided is not written or intended as specific tax or legal advice.

Neither Madan+Associates nor MassMutual, its subsidiaries, employees, and representatives are authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel. Individuals involved in the estate planning process should work with an estate planning team, including their own personal legal or tax counsel.

Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC. Madan+Associates is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies. OSJ is located at 48 S. Service Road, Suite 400, Melville, NY 11747; (516) 391-0300.

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*Endorsements are provided by select Financial Professionals who have done joint work with Madan+Associates in the past.