Investment Management Committed to providing you with world-class investment products and unparalleled service. Today’s investment market is complex and constantly changing. As a result, you have a virtually unlimited selection of financial products and services. Your financial professional works with MSI Financial Services, Inc. (MSI) to help you make the right choices. MSI offers a broad range of products and solutions to help meet the wide variety of wealth management and retirement planning needs of today’s institutional and individual investors. MSI Financial Services, Inc. is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC). Finding the Right Products: A Disciplined Process Selecting the right products to support your specific goals starts with a conversation with your financial professional to determine your needs and risk tolerance. Your financial professional will then access MSI’s vast product selection to find the investment vehicles designed to help you meet your financial goals. Products and services designed to meet your diverse needs Our compelling offering of investment products includes: • Mutual Funds – These professionally managed investment portfolios can provide an easy, cost-efficient and diversified investment solution. MSI offers a wide range of mutual funds from approximately 200 companies.* • Brokerage Accounts – Investing in a brokerage account gives you access to a wide array of securities investments (stocks, bonds, mutual funds, exchange-traded funds, options, etc.) within one convenient account offering cash management features such as check-writing and banking capabilities. • Advisory Accounts – With advisory accounts, you pay fees for ongoing advice and services rather than commissions for trades. Depending on the account you choose, your financial professional may recommend a model portfolio or may manage your investments. Our flagship advisory program, Wealth Management Services (WMS), is designed to help you implement well-conceived, personalized investment strategies with your financial professional. There isn’t a “one size fits all” solution, so you’ll work closely with your financial professional to define investment objectives, develop investment strategies and select the advisory program tailored to your needs. *Mutual funds are sold by prospectus only, which is available from your registered representative. Before investing, carefully consider the investment objectives, risks, charges and expenses of the mutual fund as well as the investment options. This and other information is contained in the prospectus, which you should read carefully before investing. Mutual funds are subject to market risk. Your principal value may decline. • Qualified Retirement Plan Solutions – If you own a small business, the Pension Resource Center can help you find the right funding solution for your qualified retirement plan and provide investment monitoring reports to support your plan fiduciary. Small business owners can also work with their financial professionals to discuss payroll deduction programs and other workplace solutions. • 529 College Savings Plans – These state-sponsored investment plans are designed to help families save money for college. Qualified distributions for higher education are federal tax-free. Restrictions apply; consult your tax adviser. For those who prefer a holistic look at their entire portfolio, consider Personal Financial ViewSM (PFV) powered by eMoney. PFV is a comprehensive wealth management tool that offers you one-stop access to all your bank and investment account information. Features include a secure client financial home page, daily aggregation of all available financial assets, daily updated financial statements, asset allocation tools, daily alerts and tasks, a web-based storage vault for personal documents, and a full suite of financial reports and goal-based needs analysis presentations. Working with your financial professional Your relationship with your financial professional is vital in establishing and adhering to your investment strategy. Working together, you will evaluate your current and future needs, develop strategies to help you reach your goals, and select the investment vehicles to support your strategies. By choosing a MSI Financial Services financial professional, you will work with someone who is committed to providing you with world-class investment products and unparalleled service. Technology that makes it easy to track your investments Account access is so important in today’s 24/7 world. We utilize the latest in technology by providing you with tools such as my Streetscape®. Simply log on and quickly see account balances, track transactions and get detailed account reporting. Plus, you can receive and view your account statements, trade confirmations and tax documents from one convenient online location. Strong partnerships enhance our solid foundation. MSI Financial Services partners with National Financial Services LLC (NFS) to handle the trading, settlement and delivery of stocks and securities in a timely and efficient fashion. NFS is a leading global provider of financial business solutions to more than 1,500 institutional and retail financial organizations and independent registered investment advisors who represent approximately 5.5 million active investor accounts. NFS is a member of every major U.S. securities exchange. A member of the MassMutual family MSI Financial Services partners with National Financial Services LLC (NFS) to handle the trading, settlement and delivery of stocks and securities in a timely and efficient fashion. NFS is a leading global provider of financial business solutions to more than 1,500 institutional and retail financial organizations and independent registered investment advisors who represent approximately 5.5 million active investor accounts. NFS is a member of every major U.S. securities exchange. Experience the MSI Financial Services difference MSI blends dynamic products and services, state-of-the-art technology, and the strength and stability of MassMutual. Speak to your financial professional today to learn more. Securities products and investment advisory services offered through MSI Financial Services, Inc. (also known as MetLife Securities, Inc. in some states), a MassMutual subsidiary. Member SIPC.