Disclosure:

The IAFF-FC has established an agreement with MML Investors Services, LLC (MMLIS). The IAFF-FC is not a client of MMLIS but does endorse MMLIS and its representatives to offer IAFF members financial wellness, information, products, and services. The IAFF-FC is compensated for its endorsement and will receive 20% of any gross commission or fee resulting from an IAFF member’s purchase of insurance, investments, or investment advisory services through MMLIS or its representatives. As a result, the IAFF-FC has an incentive to endorse MMLIS and its representatives. The IAFF-FC intends to use a portion of earned commissions or fees to further the IAFF behavioral health and wellness program offerings. Securities products and investment advisory services are offered through representatives of MML Investors Services, LLC(MMLIS), Member SIPC®, and a Massachusetts Mutual Life Insurance Company (MassMutual) subsidiary, 1295 State Street, Springfield, MA 01111.