Representative Disclosure

John M. Novak, AIF is a Registered Representatives of and offer securities products and investment advisory services through MML Investors Services, LLC, Member, SIPC.

Supervisory Office: MassMutual Greater Philadelphia, 2 Bala Plaza Suite 901 • Bala Cynwyd, PA 19004 -1501 • Tel (610) 660 9922.

Administrative and record keeping services offered by PB&H Benefits, LLC, and custodian services offered by Mid Atlantic Trust Company are not sponsored or offered through First Financial Group or MML Investors Services, LLC. PB&H and MATC are not affiliates or subsidiaries of MML Investors Services, LLC.