Samantha Sagers-Davenport, CFBS, is a registered representative of and offers securities, investment advisory services and financial planning through MML Investors Services, LLC, Member SIPC (6701 Koll Center Pkwy Ste 140 Pleasanton CA 94566, Phone 925-979-2300). MassMutual Northern California is not a subsidiary or affiliate of MML Investors Services, LLC. Samantha Sagers-Davenport CA Insurance License #0E57325. CRN202504-2240577.

Befit Financial Credit Union receives compensation from MML Investors Services (MMLIS) and its affiliates for referring clients to MMLIS and its representatives.
This compensation creates an incentive for Befit Financial Credit Union to refer clients to MMLIS and its representatives, resulting in a material conflict of interest.
 

MMLIS’s affiliates include Massachusetts Mutual Life Insurance Company and its affiliated subsidiary insurance companies (MassMutual), and MML Insurance Agency, LLC (MMLIA).
 

For the products and services offered through MMLIS, Befit Financial Credit Union will receive 21% of the dealer concessions, commissions and advisory fees received by MMLIS. For products offered by or through MassMutual and MMLIA, Befit Financial Credit Union will receive a percentage (which will be determined at the time of purchase) of the compensation paid to the MMLIS representative.
 

Befit Financial Credit Union is not affiliated with MMLIS or any of MMLIS’s affiliates (including MassMutual), and Befit Financial Credit Union is not a client of MMLIS.
 

Securities products and investment advisory services are offered through representatives of MML Investors Services, LLC, Member SIPC® and a Massachusetts Mutual Life Insurance Company subsidiary, 1295 State Street, Springfield, MA 01111.