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Retirement Income Specialists

W Keith Schmidt, CLU®, ChFC®, CASL®, RICP® is a registered representative of and offers securities, investment advisory, and financial planning services through MML Investors Services, LLC, Member SIPC, 250 Pehle Ave, Park 80 West, Plaza I, Suite 405, Saddle Brook, NJ 07663, Tel: (973) 237-0100. Retirement Income Specialists is not a subsidiary or affiliate of MML Investors Services, LLC

I am licensed to sell Insurance Products in the following jurisdictions: California, Colorado, Connecticut, Florida, Indiana, Kentucky, New Jersey, New York, North Carolina, and Texas.

I am licensed to sell Securities Products in the following jurisdictions: Connecticut, Florida, Maine, Massachusetts, New Jersey, New York, and North Carolina

W Keith Schmidt, CLU®, ChFC®, CASL®, RICP®, New York, NY, CA Insurance Lic.# 0798792

Offices operating under an alternative marketing name may offer products, services, or guidance outside of their relationship with MassMutual, MML Investors Services, or their affiliated companies. Any such offices are not subsidiaries or affiliates of MassMutual or its affiliated companies.

CRN202506-2548698

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