Customized wealth management services Our teamwork, fiduciary care, key services and unique investment platform help you reach your goals
You have worked hard to achieve success and now your finances are more complex and come with added responsibilities to those who depend on you. You deserve to engage with a team that takes the time to listen to you, develops a customized wealth management plan based on understanding your specific short and long term goals, and provides you the highest standard of financial responsibility fiduciary care. The MassMutual Trust Company, FSB, offers an array of wealth management services. We have built a high-quality investment platform based on our four-step investment approach, careful selection of asset managers and the application of rigorous oversight to your account. A full range of trust services are also available to help you address your most important concerns now and in the future. This combination of teamwork, a wide array of services and a closely managed investment platform means getting the financial peace of mind you deserve.
Teamwork creates success Building the right relationships can be critical in maintaining financial success and preserving wealth. Working with the MassMutual Trust Company means getting the right level of communication and independent, objective decisions made with fiduciary care by an expert and experienced team of investment professionals. Concierge service Your personal investment team takes the time to listen to your situation, plans and goals before developing a customized investment strategy. We become part of your team, working with your existing financial team during the planning process and throughout the life of the relationship. This team approach provides you with a full array of resources to address your ongoing needs. Keeping track of your account is simple via easy-to-read, consolidated activity statements. You can access your account securely online and the team is available for questions as you need us. Independent and objective fiduciary care As fiduciary, we have the responsibility to act solely in your best interest, under circumstances that require the use of reasonable care, skill, prudent judgment and rigorous accountability on a continuing basis. This fiduciary standard of care is the framework we use to provide services and offer customized solutions to help you grow and preserve wealth. It is the highest standard applied to advisor relationships across the financial industry and is the standard to look for when choosing who to partner with. Our choice to use only non-proprietary investments for your account means we can make decisions that are independent and objective. Expertise and experience The investment team has the credentials and expertise to design and monitor an investment plan to meet your goals. Our expertise is the result of years of study and the practical experience of working with clients with varying objectives and in changing market conditions. In fact, our investment team has more than 30 years of investment management industry experience. We use that experience as an integral part of our investment management approach. 1
Customized wealth management services The MassMutual Trust Company, FSB offers a wide range of customized wealth management and related financial and trust services for one inclusive fee. Your team will develop an initial plan based on reaching your personal goals. As your financial situation and goals change or become more complex, we will reassess which services work best for you and use those services as appropriate. In this way, we provide you with a platform that grows with you, without any unplanned additional fees. Here are some of the key services that can be used to develop your customized plan. Key wealth management services Execute multi-generational planning and wealth transfer techniques Consult with your existing financial team and professional advisors on tax-related and estate planning needs Provide secure, online access to your account Produce timely, easy-to-read, comprehensive year-end tax information Consolidate multiple accounts Bill and insurance premium payment Manage current legacy holdings and divest over a period of time in a tax efficient manner Perform timely direct deposits, wires and ACH transfers Consolidate reporting with quarterly transactions and performance reports 2
Unique investment philosophy and process Our client accounts are traditionally long term, often spanning multiple generations so we apply an investment philosophy and approach that provides a custom plan for every client. We also carefully select only those asset managers who we believe can deliver the expertise and experience that will help you meet your long term objectives. Then we carefully monitor both the managers and the plan, to ensure they remain aligned with your long term goals. Investment philosophy Our investment philosophy has grown from our long experience with meeting client objectives in changing market conditions. A custom designed plan We take the time upfront to understand what it is that is unique about you. Then we develop a customized investment strategy to help you meet your long term investment goals. The strategy is then documented in an investment policy statement. The investment policy statement outlines the portfolio s building blocks and tries to capture what you told us about yourself your time horizon, your need for income, your risk tolerance, need for liquidity, tax situation, and any other unique needs and circumstances. The investment policy statement will include the long term asset allocation target, the investment strategy, and how the portfolio will be benchmarked and over what time periods. We regularly revisit this statement with you to ensure that we remain aligned with your wealth management objectives. Investment process A four step investment process brings together our communication style, expertise and discipline to build a comfortable and successful wealth management strategy just for you. 1 Client profile Our investment approach begins with an understanding of your individual investment objectives, risk tolerance, time horizon, tax sensitivity, income and liquidity needs. 4 Monitor and adjust Finally, allocations are monitored on an ongoing basis. As your needs and market conditions change, specific investments can be adjusted periodically to help manage risk. 2 Asset allocation Next, we implement a strategic asset allocation through diversification among asset classes with long term and time tested investment strategies. 3 Investment policy statement Our investment team then reviews and documents an investment strategy specific to your needs. 3
Investment oversight In addition to this high-quality stable of investment sub-advisors, we have a thorough, disciplined and continuous due diligence process to ensure these firms continue to meet the needs of our clients. We expect our sub-advisors to manage in a consistent and prudent manner. Our ongoing due diligence with our sub-advisors and investment oversight includes a number of checks and balances, including internal supervision by the Trust Company Investment Committee and Board of Directors. We seek to ensure the reasons we initially hired our investment sub-advisors are still in place today. Prudent risk management Your portfolio is constructed and managed to mitigate risk. Our goal is to construct a prudently well-diversified portfolio for each client, ensuring that there are no concentrations of risk in any one asset class, economic sector or individual security. Your portfolio is monitored and adjusted as conditions change in the economy, the financial markets or in your own individual circumstances. Your portfolio is managed on a continuous basis and adjustments are made as needed. Careful selection and oversight of sub-advisors Selection criteria We select investment sub-advisors that share our commitment to service, integrity, quality, discipline, oversight and governance. This group of sub-advisors combines firms with a century or more of experience with those more recently established, all of whom provide a unique perspective to managing money for the long term through all types of financial market cycles, guided by experienced portfolio managers. MassMutual Trust remains vigilant, watching for any changes in our sub-advisors investment philosophy, personnel policies or organizational structure that may have an impact on our clients portfolios. Our client accounts are traditionally long term, spanning multiple generations. We engage with only those sub-advisors who we believe can deliver the expertise and experience that will help you meet your long term objectives. The MassMutual Trust Company offers a combination of teamwork, fiduciary care, a wide array of services and a carefully selected, closely managed investment platform to help you reach your long term goals and have the financial peace of mind you deserve. 4
Start a discussion with us today. For more information about the services offered by the MassMutual Trust Company, contact your MassMutual Agent or the MassMutual Trust Company toll free at 1-888-894-5354 or via e-mail at info@massmutualtrust.com. The MassMutual Trust Company, FSB is a federal savings bank chartered by the Office of the Comptroller of the Currency to provide discretionary and nondiscretionary trust and fiduciary services in all states. The Trust Company does not engage in banking activity (take deposits, make loans, give mortgages, etc.) and does not sell products. Our business activity is limited to providing trust and fiduciary services. The MassMutual Trust Company is a wholly owned subsidiary of Massachusetts Life Insurance Company. All loans and lines of credit are issued by either State Street Bank & Trust or City National Bank. Please note, IRAs and any plans subject to ERISA regulations are not eligible for loans and lines of credit. 2014 Massachusetts Mutual Life Insurance Company, Springfi eld, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affi liated companies and sales representatives. TC7017 514 C:201605-383