If you haven't already, you may soon be discussing major decisions such as home ownership, parenthood and education funding. And there is no time like the present to evaluate strategies and products that will help you meet your long-term goals for a comfortable retirement together. Getting an early start on estate planning can also ease concerns about the future.¹

1 Estate planning services are provided in conjunction with the client's attorney and accountant.

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getting married Select from the solutions on the left to learn how the MassMutual Financial Group companies can help you prepare for your life together. A newly married couple may want to consider investing in an annuity-funded Roth IRA for retirement income. It is possible that you may never have to pay taxes on the income from a Roth IRA1, and if it's funded with an annuity, you also have the comfort of knowing that at retirement, you can elect to receive a stream of income you can't outlive.2 You've found the one person you want to spend the rest of your life with. But getting married also means sharing financial planning and responsibility. As you begin your life together, it's time to consider how it would affect your future if you or your spouse were to suffer a disability. Start your new life together by discovering how MassMutual's disability income insurance protection can help. With marriage comes added responsibility. You now have another person that may be dependent on you for financial support. If you die, will your spouse be able to continue making mortgage payments, pay off any debt you've accumulated together or simply pay for your funeral expenses? The proceeds from a life insurance policy will help your spouse maintain the standard of living to which he or she is accustomed. Help protect yourself, your spouse, your children and your estate should you or your loved one face a long term care need. For those who are remarrying, proper planning now can help build a "firewall", further helping to insulate your estate should your spouse require long term care services. The costly expenses associated with a long term care need can quickly deplete all that you have worked so hard to accumulate. Your future is filled with possibilities. Mutual funds offer you the benefits of professional management and asset diversification that may help you - and your spouse - reach your long-term financial goals. Getting married is not as simple as it used to be - especially if you are embarking on a second or subsequent marriage. Additionally, children from a previous relationship can add to the complexity. Establishing a trust for your children can help to ensure they receive what you intend. 1 Annuities do not provide any additional tax advantage when used to fund a qualified plan. Investors should consider buying an annuity to fund a qualified plan for the annuity's additional features, such as lifetime income payments and death benefit protection. 2The guarantee of the lifetime income payment is contingent upon the claims-paying ability of the issuing company or companies.

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