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Stephen Cunha, CFP®, C(k)P, CLU, CLTC

Mml Investors Services, LLC

Wakefield

MA

Contact Me

Overview

Services

Advisor Services

  • Financial Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
  • Insurance
    • -Life Insurance
    • -Long-Term Care Insurance
    • -Annuities
    • -Business Insurance
  • Pension Consulting
    • -401k
    • -403b
    • -457
    • -Defined Benefit
    • -Other Pension Consulting

Funds

Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
Mml Investors Services, LLC 1 year, 2 months Mar 2017 - Present
Massachusetts Mutual Life Insurance Company 1 year, 10 months Jul 2016 - Present
Metlife Securities Inc. 3 years, 4 months Jan 2015 - Present
New England Securities 16 years, 7 months Jun 1998 - Jan 2015

Designations & Memberships

  • Centre for Fiduciary Excellence
    Membership
    Centre for Fiduciary Excellence
    CEFEX is an independent global assessment and certification organization. It works closely with investment fiduciaries and industry experts to provide comprehensive assessment programs to improve risk management for institutional and retail investors. CEFEX certification helps determine the trustworthiness of investment fiduciaries.
  • Financial Planning Association
    Membership
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • Accredited Investment Fiduciary
    Designation
    Accredited Investment Fiduciary
    The Accredited Investment Fiduciary® (AIF®) designation represents a thorough knowledge of and ability to apply the fiduciary practices.
  • Certified 401(k) Professional
    Designation
    Certified 401(k) Professional
    The C(k)P designation represents the pinnacle of achievement for the professional Retirement Plan Advisor, recognizing a combination of substantial practice retirement plan management experience, and the completion of a comprehensive and highly specialized educational program.
  • Certified Financial Planner
    Designation
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.
  • Certified Long-Term Care
    Designation
    Certified Long-Term Care
    Independent course which is focused on the field of long-term care planning and provides legal, accounting, insurance and financial service professionals for middle-aged clients.
  • Chartered Life Underwriter
    Designation
    Chartered Life Underwriter
    A prestigious certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.
  • Chartered Retirement Plans Specialist
    Designation
    Chartered Retirement Plans Specialist
    The CRPS Program is specifically targeted at professionals who design, install, and maintain retirement plans for the business community.

Articles and Answers

Insights by Stephen Cunha

A Retirement Income Planning Primer
Published 2013-03-14 14:55:13
The Roth 401(k)
Published 2012-11-13 14:36:48
Retirement Plans For Small Business
Published 2012-11-13 14:14:56
A Retirement Income Planning Primer
Published 2012-11-09 10:46:27
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    If i quit my job can i cash out my 401k?
    Yes you can "cash out" your 401k account. This is called a lump sum distribution. Note that you will likely need to complete distribution paperwork or contact your plan provider's 800 number to make your request. When you take a distribution like this, rather than rolling it over to an IRA or subseq...  (more)
    Answered Nov 2012
    I am an employee for Boston market an borrowed money from my 401k for my husbands funeral last year and I need to borrow again an they say I'm not allowed is there anyway I would be able to borrow any way at all?
    I am sorry for your loss. Your company retirement plan has a plan document with specific loan provisions that often put limitation on how often and how many loans an employee can take at one time. It seems that your plan has the typical one loan limitation. However, I do have a possible solution. It...  (more)
    Answered Nov 2012
    What is a ROTH IRA Tax Credit?
    An IRA tax credit is a credit provided to a lower income earning tax payer for making a ROTH IRA contributions. The amount of the credit can range from 10, 20 or 50% up to $2,000 of your contribution. The percentage of the credit that you are entitled to is based on your annual adjusted gross incom...  (more)
    Answered Nov 2012
    How can I find out if I have money in a 401K with Florida Tile?
    The easiest thing to do is contact the investment company that is handling the 401k plan. If you were a participant and had a balance at least at one time you would have received a statement. Simply call the investment company, ask for participant services for 401k plans. Tell them you formally wor...  (more)
    Answered Feb 2013
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      SEC
      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        None
      • as of date
        Mar 26, 2017
      FINRA
      FINRA
      • license status
        Registered
      • disclosures
        1
      • as of date
        Mar 26, 2017
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      Mml Investors Services, LLC

      Last updated on Aug. 29, 2017
        • $25.6B
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 158K
          Accounts
        • $162.4K
          Estimated Average Account Balance

      Fees

      Types of Compensation Arrangements