Retirement Designs - Licensing Information

Licensing Information

We have individuals licensed to sell securities in the states listed below.

Arizona	Colorado	Connecticut
District of Columbia	Delaware	Florida
Georgia	Hawaii	Illinois
Indiana	Kansas	Louisiana
Maine	Maryland	Massachusetts
Michigan	Minnesota	Missouri
Nevada	New Hampshire	New Jersey
New York	North Carolina	Ohio
Oklahoma	Oregon	Pennsylvania
Texas	Virginia	Washington
West Virginia	Wisconsin	California¹

Securities offered through qualified Registered Representatives of MML Investors Services, LLC. Member SIPC (www.sipc.org). Supervisory office: Two Bala Plaza, Suite 901, Bala Cynwyd, PA 19004, Tel: 610-660-9922. We have individuals licensed to sell insurance products in the states listed below. The program offered, American 401k, is funded primarily through a mutual fund platform (individual stocks and bonds may be utilized through a securities brokerage account). In some instances, you may also elect to fund your 401k with a group variable annuity product. Upon your inquiry, we will provide details on the available group variable annuity products.

Arizona Colorado Delaware

Florida Illinois Massachusetts

Missouri New Jersey New York

Pennsylvania Texas California¹
¹ California Licensing Information:
John M. Novak
CA Insurance License #: 72734

State of Domicile: Pennsylvania
Principle Place of Business: Pennsylvania and California

Important Information

All administrative and record keeping services are offered by PB&H Benefits, LLC. The custodian trust company is Mid Atlantic Trust Company (MATC), providing a state-of-the art trading and reporting system that integrates record keeping, trust accounting, and straight-through processing with access to over 16,000 mutual funds in underlying accounts. All investments are offered by Registered Representatives of MML Investors Services, LLC, Securities are distributed through MML Investors Services, LLC, Member, SIPC. Supervisory Office: 2 Bala Plaza Suite 901 Bala Cynwyd, PA 19004 Tel (610) 660 9922. Investment education is provided by Registered Representatives of MML Investors Services, LLC. Note that our role as financial professionals, with respect to the 401k plan, is not to provide investment advice. We offer employee education including fund information and portfolio design using models that match the employee's intended level of risk and investment goals. In no way do we endorse any recommendations, advice, or opinions contained in Information developed by third party providers and mentioned in this website. We merely provide access to such information as a convenience to help you consider your design and investment selections. Any investment decisions you make are based solely upon your evaluation of financial circumstances and investment objectives, in the best interests of your Plan. Mutual Funds are sold by prospectus. You should carefully consider a fund’s investment objectives, charges, expenses, and risks before investing. The fund's prospectus, which can be obtained online (or hard copy) by calling your Registered Representative, contains this information and other facts about the fund. Please read the prospectus carefully before you invest or send money. We do not offer tax planning or legal advice. Please consult your CPA or attorney for specific tax implications and legal matters pertaining to your Plan.

Registered Representative Information

John M. Novak is a Registered Representative of and offers securities and investment advisory services through MML Investors Services, LLC, Member, SIPC. Supervisory Office:
First Financial Group
2 Bala Plaza Suite 901
Bala Cynwyd, PA 19004
Tel (610) 766 3014 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.

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