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Tomorrow Newsletter Spring/Summer 2020

Dear Friends,

This Spring we are faced with challenging and unprecedented circumstances as we struggle to deal with the effects of the COVID-19 pandemic on our clergy, lay staff and their families. We hope that this issue of the Tomorrow newsletter provides some useful insights into managing your finances in these uncertain times.

In this first issue of 2020, we are pleased to welcome, the Reverend Dr. Debora Jackson as our guest writer. Dr. Jackson is Director of Operations All Girls Allowed, a faith-based, non-profit organization and the former Director of Lifelong Learning at Yale Divinity School. In her article, entitled Financial Wellness As Self Care, Dr. Jackson discusses the burden of debt and the ways it may cause stress for those in ministry.

Next, MMBB Welcomes Target Date Funds to Its Funds Family announces the addition of Vanguard Target Date Funds (TDFs) to our fund offerings. MMBB Vanguard TDFs, available since January 2, 2020, enhance our products and services to members.

Managing Church Finances discusses the complex task of managing your church’s finances during the COVID-19 pandemic.

MMBB’s Thriving in Ministry Initiative, A Look Back at the First Year provides a recap of the 2019 series of colloquia hosted by MMBB for pastoral leaders under the auspices of Lilly Endowment Inc.’s Thriving In Ministry Program.

Everything You Need to Know About Estate Planning, Part 2: Preparing A Will is an important article addressing a topic that most of us avoid. It provides vital information about what is needed to prepare a will.

It is our continued privilege to serve you and your ministry. We look forward to guiding you on the path to financial wellness even in these anxious times. In the days and weeks ahead, we pray for God’s strength and sustaining presence for you and your families and those you serve.

In His Service,

Louis P. Barbarin, CPA
Chief Executive Officer

The ability to care for self amid ministry demands has always been a challenge. Clergy are called to demonstrate high levels of competence across a myriad of tasks from preaching, teaching, administration, community organizing, spiritual development, communications, and care giving among others. Where there is so much to do, it is not surprising that selfcare is a lower priority.

By Rev. Dr. Debora Jackson

However, selfcare is one of the best strategies to combat stress. Stress results when the demands of our environment strain our individual adaptive capacity. Some stress is good: it’s the stress of a deadline that motivates us to productively engage. It’s that kick of adrenalin that shakes us out of lethargy. But too much stress is straining. It overwhelms our sensibilities and it causes confusion. Too much stress has a paralyzing effect and causes us to be distracted. Taken together, too much stress results in poor performance.

So why the focus on stress? While we understand the results of stress – its immunosuppressive effect on the body and its contribution to the increase of preventable diseases – we do not talk as much about what causes our stress and how we might mitigate those stresses. According to the American Psychological Association (APA), money is the top cause of stress in the United States.1 Writing as the world responds to the COVID-19 pandemic, second to health concerns are those of financial insecurity. And the combined concerns over health care and financial insecurity are paralyzing. The economic slowdown necessitated by the pandemic has put millions of people at risk of losing their employment. Living, as so many do, from paycheck to paycheck, dire concerns exist as people contemplate how they will meet their obligations or survive financially should illness result. It is an anxious and stressful time to be sure and we need strategies for selfcare.

So, what can we do? First, step away to a deserted place. This was Jesus’ counsel to his disciples in Mark 6:31 as they had returned from ministry. The disciples had been sent out to minister in twos without extra resources to support them in ministry. Many were dubious about Jesus’ demand that they go forth without surplus resources, but when they realized great success in ministry, they could hardly wait to come back to Jesus to tell him all that had occurred. But rather than hear their stories, Jesus told the disciples, “Come away to a deserted place and rest awhile.” It is impossible to get control of our stress if we do not first de-escalate. We need to stop, breathe deeply, and distance ourselves, if only mentally, from the challenges that confront us.

Then, as we take time apart, which creates the distance and perspective that we need to address challenges with calm, we can consider our debt. What constitutes your debt? We have housing and living expenses. We have insurance and medical expenses. We might have car payments or student loans. These are expenses that most of us have and cannot do anything about. But it is important to know the details of individual or family debt if we ever hope to break the cycle of debt. Are there discretionary purchases that are adding to our debt? Perhaps we can cut back on such expenses. But we will not know where we can cut back if we do not know where we are spending.

However, what makes this recommendation different and in keeping with a focus on selfcare is the individual state of mind while engaging in this review of one’s debt. Selfcare requires a mindful, reflective stance as we review rather than become anxious. I understand this is easier said than done, but it requires us to be in tune with our bodies. Do you feel yourself growing anxious, upset, or angry as you review? Then step back. Instead of focusing on the debt, consider what you might be able to do to help curb debt. Would loan consolidation or refinancing be an option? Is your car older such that you could change your insurance deductible and thus reduce annual premiums? Is there an advisor with whom you could discuss strategies? Breathe deeply as you think expansively about what you could do. That ability to remain calm and grounded is what helps us to increase an adaptive response in times of stress.

Thirdly we can consider strategies for saving. Few get excited about saving, but a source of real stress are fears of unexpected expenses that we do not have the funds to cover. Years ago, I began a practice of paying myself by contributing a small amount of money to a separate account through automated means. My rationale was twofold. First, the amount needed to be small so that it was not critical to cover necessary expenses. Second, I needed the money to be withdrawn from my bank account and made semi-liquid so that I would not be as tempted to spend it. I have continued this practice now for over 20 years. As my income grew, I was able to increase the amount, but the rationale for the practice remained – putting aside a small amount so that it could grow. And these funds allowed me to weather storms during a time of unemployment – truly an unexpected occurrence. Instead of experiencing extraordinary stress, I was bolstered because I had a resource upon which I could draw.

Thus, selfcare becomes the strategy through which we can increase our adaptive capacity to combat stress. Ensuring that we are financially well is one of those selfcare strategies. If we can calmly understand our debt, expansively consider strategies to deal with debt, and seek modest ways to save, we are better able to handle the stresses that come from financial insecurity. It begins by taking time apart so that we might be mindful and reflective. This is the epitome of selfcare.

The Reverend Dr. Debora Jackson is Director of Operations All Girls Allowed, a faith-based, non-profit organization that is committed to restoring life, value, and dignity to women by providing resources that promote healing and wholeness. Dr. Jackson is also a consultant and author who leads custom, high impact engagements, including strategic planning, conflict resolution, and leadership development, for non profit and faith-based organizations.

Dr. Jackson was formerly the Director of Lifelong Learning at Yale Divinity School. Prior to her appointment at Yale Divinity School, Dr. Jackson was the Executive Director of the Ministers Council of the American Baptist Churches, USA. Previously she served as Senior Pastor of First Baptist Church in Needham, MA. She currently serves the historic Peoples Baptist Church in Boston, MA as the Minister of Worship.

Dr. Jackson worked in business for 20 years, with an emphasis on IT and software engineering, before heeding the call to ministry.

Dr. Jackson received her Doctorate in Ministry and Master of Divinity degree from Andover Newton Theological School. She holds a Master of Engineering degree and a Master of Science degree from Worcester Polytechnic Institute. She holds a Bachelor of Science degree in Business from Indiana University.

Dr. Jackson resides in Newton, MA with her husband and their son.

MMBB is pleased to announce the addition of Vanguard Target Date Funds (TDFs) to our fund offerings. MMBB Vanguard TDFs, available since January 2, 2020, enhance our products and services to members.

MMBB Vanguard TDFs are a complete and well diversified portfolio all-in-one fund. Each TDF is a combination of up to five Vanguard Index Funds that potentially offers exposure to small-, mid-, and large cap domestic (U.S.) and international stocks, as well as domestic and international bonds. Vanguard’s TDFs have a history of consistent performance relative to respective benchmarks.*

After members expressed interest in TDFs, MMBB decided to add Vanguard TDFs to its platform. Vanguard is currently the investment manager of several MMBB funds, including our U.S. Bond Fund and U.S. Equity Index Fund.

MMBB Vanguard TDFs 101

MMBB Vanguard TDFs make saving for retirement easier. The TDF offering includes 11 separate Vanguard Target Retirement Funds for a specific retirement time frame (see the fund list below). You simply select the TDF that most closely corresponds to the year in which you plan to retire.

Years Until Retirement Fund Name
45 Vanguard Target Retirement 2065 Fund
40 Vanguard Target Retirement 2060 Fund
35 Vanguard Target Retirement 2055 Fund
30 Vanguard Target Retirement 2050 Fund
25 Vanguard Target Retirement 2045 Fund
20 Vanguard Target Retirement 2040 Fund
15 Vanguard Target Retirement 2035 Fund
10 Vanguard Target Retirement 2030 Fund
5 Vanguard Target Retirement 2025 Fund
0 Vanguard Target Retirement 2020 Fund
NA Vanguard Target Retirement Income Fund (Investment strategy to provide retirement income)

The asset mix in these TDFs gradually and automatically becomes more conservative as you approach and enter retirement. They reduce the proportion invested in riskier assets, such as stocks, and increase the number of less risky assets, such as bonds. When the investment reaches its target date, the gradual move from stocks to bonds simply continues.

The TDF Glidepath to Retirement

More specifically, the typical Vanguard target-date strategy – assuming someone retires at 65:

1. Starts with 90 percent equity exposure and 10 percent bond exposure until the investor is age 40.

2. Glides down to a composition of 50 percent stocks and 50 percent bonds by the time the investor is age 65.

3. Decreases the number of equities in the portfolio to 30 percent and increases bond holdings to 70 percent by age 72, which is Vanguard’s “landing point.” This allocation stays that way through retirement.

You’re never locked into a particular investment. Just like MMBB’s other investment options, members can make changes to their TDF allocations at any time. Should your tolerance for risk change or should you decide to retire earlier or later, you can switch TDFs or redirect your investments from TDFs to other investment options at any time.

Benefits Galore

An advantage of MMBB Vanguard TDFs is that they reallocate assets over time in an age-appropriate way, which automatically reduces the risk in the portfolio for members. In other words, if you’re interested in a single retirement fund, TDFs automatically rebalance your portfolio as you age.

MMBB Vanguard TDFs offer members several other benefits. They:

  • Are low-cost mutual funds, so they are a cost-effective approach to risk-appropriate retirement savings.
  • Rely on Vanguard’s extensive research and investment allocation expertise. Vanguard is the second largest mutual fund provider in the world.
  • Are managed by a provider that members already know.
  • MMBB Vanguard TDFs can be used to and through retirement through the Target Retirement Income Fund.
  • Also allows those who are already retired to move their non-annuitized investments into the Target Retirement Income Fund.
  • Are based on up to five underlying index funds managed by Vanguard that are easy to understand.
  • Increase your options for investing for retirement.

As a benefit of membership, MMBB has CERTIFIED FINANCIAL PLANNER™ professionals available to answer your questions about MMBB Vanguard TDFs or talk with you about whether TDFs might fit into your financial plan. For more information or a no-obligation consultation, please contact us at .(JavaScript must be enabled to view this email address) or 800.986.6222.

The information contained herein is for informational purposes only. While MMBB made every attempt to ensure that the information is accurate, MMBB is not responsible for any errors or omissions or the results obtained from the use of this information. MMBB is not liable for any success or failure that is directly or indirectly related to the use of the information contained herein. The information contained herein does not constitute any financial, insurance, investment, legal, or tax advice. In no event shall, MMBB and/or its fiduciaries, directors, officers, employees, or agents thereof be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in action of contract, negligence or tort, arising out of or in connection with the use of the information contained herein.

Managing church finances can be a complex task under the best circumstances. When we consider the unprecedented times in which we are currently living as a result of the COVID-19 pandemic, managing church finances can become a daunting task.

Churches rely on the tithes and offerings of their members and faith-based organizations on the gifts of generous donors as a source of income to maintain building operations and fund ministry programs. What do you do when worship services are no longer being held on site and staff are mandated to work from their homes? How do you manage your finances and generate the income needed to keep your church running?

A financial strategy and a plan of action will help to guide your church through difficult times.

Your church leadership or finance committee, if your church has one, might be faced with difficult decisions in the weeks and months ahead. Some decisions — such as suspending ministries, instituting a hiring freeze, postponing building projects, and staff furloughs — will not come easily. Strive for incremental savings rather than major cuts to ease the impact on your congregation.

With many people facing reduced employment or unemployment, weekly giving has been greatly reduced. For these reasons, church members are no longer giving as much as they did and those who can still give might not be aware of different options available for them to continue making contributions. Here are a few ideas to help sustain giving at your church during these difficult times:

Digital Giving — Set up electronic giving, if you have not already done so, with apps such as, easyTithe or Givelify.

Automatic Online Bill Pay — Many banks offer this option. Church members can set up their church as a recurring weekly or monthly payment.

Schedule Giving Reminders — Send an email to church members on Saturday night to remind them that their giving and support is still needed even though they’re not attending normal worship services.

Establish a COVID-19 Relief Fund for Your Church — During times of crisis, those who can give, want to support ministries that are closest to their hearts.

Communications with church members about finances is important, especially during trying times. Transparency is key, as difficult as it is to communicate the cold, hard facts about your church’s financial situation. When you make your members aware of the church’s financial challenges, it provides your congregation the opportunity to participate in solutions, such as cost-saving ideas and strategies for raising funds.

The federal government has also stepped in to provide economic assistance with the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) signed into law on March 27, 2020. The CARES Act aims to reduce the economic impact of the COVID-19 pandemic and authorizes aid to various sectors of the economy. Programs that provide assistance to churches and faith-based organizations and their employees include:

#1: Paycheck Protection Program (PPP)

The Paycheck Projection Program (PPP) is a new loan program based on the loan program of the Small Business Administration (“SBA”) and will make loans potentially forgivable to qualifying small businesses.

#2: Business and individual tax provisions

There are various business and individual tax provisions available through the CARES ACT. First, the business tax provisions:

Payroll Taxes Delay. The CARES Act created a “payroll tax deferral period” from March 27, 2020 through the end of 2020. Employers may defer the deposit and payment of the “employer share” of the Social Security tax that they would otherwise pay to the federal government with respect to their employees. For religious organization employers, this is usually limited to Social Security taxes on the wages of lay (non-clergy) employees. The 2020 taxes deferred must be paid in the following two years (12/31/2021 to pay at least 50% of what is due for 2020 and until 12/31/ 2022 to pay the remaining amount). Employers that receive a loan under PPP may not defer the deposit and payment of the employer’s share of Social Security tax due after the employer receives a decision from the lender that the PPP loan is forgiven under the CARES Act.

Employee Retention Credit for Employers Subject to Closure Due to COVID-19. Employers can receive a refundable credit against applicable employment taxes of up to $5,000 per employee in 2020. This credit applies to wages paid after March 12, 2020 and before January 1, 2021.

Pandemic Unemployment Assistance Program provides payment to those not traditionally eligible for unemployment benefits and who are unable to work as a direct result of COVID-19. It also provides enhanced benefits for all workers eligible for unemployment and intends to cover independent contractors. It extends coverage to workers who are self-employed, seeking part-time employment (if permitted under state law), do not have sufficient work history, or otherwise would not qualify for regular unemployment under state or federal law and become unemployed or cannot find work due to COVID-19.

Second, there are two individual tax provisions:

Charitable Contributions Incentives encourage individuals to contribute to religious, charitable, and educational organizations by creating a new “above the line” deduction. This deduction will permit them to deduct up to $300 of annual monetary contributions and is applicable for tax years beginning after 2019 and does not sunset after 2020 like the increased limits.

Recovery Rebates for Individuals. All US residents with adjusted gross income of up to certain limits are entitled to receive rebates under the CARES Act. An additional rebate per qualifying child under the age of 17 also will be provided.

#3: Retirement-related provisions

Retirement-related provisions include Coronavirus Related Distribution (CRD) and loan rule changes:

The CARES Act adds a new category of in-service distribution, known as Coronavirus Related Distribution (CRD), available to qualified individuals regardless of whether the distribution would otherwise be allowed. In-service distributions are distributions while the retirement plan participant is still employed. It also increases the loan limits for any loan made from a 401(a), 403(b) or governmental 457(b) plan to a qualified individual during the 180-day period beginning on March 27, 2020. Additionally, it increases the maximum loan amount to $100,000 and allows loans up to 100% of the present value of the retirement plan participant’s account. These two provisions are not mandatory, plan providers may offer at their discretion.

#4: Student loan provisions

Student loan provisions include expanding tax free educational assistance to include student loan payments from employers. An employer may contribute up to $5,250 annually toward an employee’s student loans, and such payment would exclude from the employee’s income. This applies to any student loan payments made by an employer to the employee or directly to the lender on behalf of an employee after March 27, 2020 and before January 1, 2021. The provision also includes temporary relief for student loan borrowers. Principal and interest payments are deferred without penalty on federal student loans through September 30, 2020.

To learn more about the CARES Act legislation, we urge you to visit

“The information contained herein is for informational purposes only and does not constitute any financial, investment, legal, or tax advice. While MMBB made every attempt to ensure that the information is accurate, MMBB is not responsible for any errors or omissions or the results obtained from the use of this information.”

In 2019, MMBB hosted a series of colloquia for pastoral leaders under the auspices of Lilly Endowment Inc’s Thriving In Ministry Program. After being awarded the grant in 2018, MMBB has just completed our first year of program implementation.

Our program, Bridges: Colloquia for Cultivating Ministry, is designed to bring together pastors who are more seasoned and who have excelled in ministry with emerging pastors and those transitioning in ministry. The Bridges program aims to foster higher levels of well-being and organically create on-going relationships that can also serve as mentorships. Through these colloquia, the program also seeks to:

1. build a better sense of connection among pastors with one another (addressing the challenge of isolation in the pastorate)

2. increase knowledge around financial wellness and financial literacy

3. assist pastoral leaders with the challenges of church leadership and management

4. help create community among pastoral leaders and a safe space to develop trust, and

5. encourage deeper commitment and wellness during ministry that will enhance the understanding of their call and future in ministry.

Through the vision of Dr. John F. Mandt, Sr., MMBB has offered a colloquium-style program to American Baptist Churches USA ministers for over 30 years, bringing pastors together to share best-practices, common challenges and engage in fellowship and learning. The Thriving In Ministry Program Grant from Lilly Endowment Inc. gives us the opportunity to broaden the impact of that colloquium model by including others with whom we partner. Each of these colloquia provide the chance for pastors to teach and learn from one another around the realities of the career and ministry challenges they are facing.

Over the course of 2019, MMBB held 5 (five) cohorts with over 100 pastoral leaders taking part in the Bridges: Colloquia for Cultivating Ministry program. The cohorts, segmented according to cultural and gender diversity, included The African American Leadership Conference, The Women Pastors Colloquium, The Latino/a Pastors Colloquium, The Asian Pastors Colloquium and the original Colloquium (which was established in 1985). Colloquia participants were diverse in terms of racial ethnicity, geographic makeup, church demographic, pastoral experience, age and denominational affiliation. Our long experience with the colloquium model has taught us that increased levels of well-being take place when there is attention to gender and cultural realities within the context of the faith community.

The curriculum of the Bridges program addresses several issues that are common for most pastoral leaders with sessions on personal wellness, ministry-life balance, personal relationship building between married couples, enhancing personal faith and spiritual practice and avoiding isolation through connections and networking. These sessions provide important tools to encourage personal wellbeing among pastoral leaders. In addition, the cohorts are designed to assist pastoral leaders in their understanding of financial wellness and financial literacy. Sessions are offered on debt management and compensation as well as financial and retirement planning. These topics aim to improve financial knowledge and effective administration in churches to help to build stronger congregations that are prepared to adapt in the ever-changing church landscape.

We are learning that there is a real need for the Bridges program. Pastors in each of these colloquiums struggle to navigate work-life balance, endure feelings of isolation as well as feelings of mistrust and competition among their colleagues in ministry. The colloquium gatherings allow them the opportunity to form lasting and sustaining relationships as well as share pastoral and life experiences.

Agenda content emerges organically to address issues relevant to the cultural and ministry context of the participants. For example, fewer Latino churches are being planted. Fewer people are accepting the call to ministry to serve as pastors. More than ever, Latino pastors are experiencing burn-out, health problems, and leaving the ministry altogether. African American pastors often have to explain to church leadership the components of fair compensation. African American women pastors struggle with churches for respect and recognition of their call to ministry and, very often, do not gain a pastoral call until middle age even though they bring considerable skills to pastoral leadership. Asian pastors strive to integrate complex issues of faith with tangible expressions in practice and addressed several issues including the challenges of navigating generational differences in ethnic churches. In the traditional Colloquium pastors address challenges around church multi-staff management and adapting to current trends in ministry such as worship styles and patterns of financial stewardship.

Every cohort gathering also includes time for spontaneous interaction and communication that is critical to establishing mentoring relationships. This is often a time of vibrant exchange and deepening connections. Feedback from participants has been thoughtful and enthusiastic. One minister from the Asian Pastors Colloquium remarked:

“It was very worthwhile having an Asian American-focused gathering. It was a safe space for our particular stories, concerns, and hopes to be shared. The several non-American Baptist clergy in the mix really added valuable additional perspectives and made for better discussion than if we had been all American Baptist.”

A participant from the African American Leadership Conference shared:

“When I arrived in Orlando 3 years ago I had all the external signs of success…serving a certain size church with a certain social media presence in a certain large metropolitan city, making a certain amount of money, months from becoming debt free, candidating for several established churches…but there was an underside. Nobody knew that I needed AALC more than AALC needed me.”

We are grateful for this first year of success for Bridges: Colloquia for Cultivating Ministry with the generous support of Lilly Endowment and MMBB, which is committed to offering a respite and extending support to pastoral leaders so they can make a positive and meaningful difference for the future of the Church.

This article is MMBB’s second of a two-part series on what you need to know about Estate Planning. In the first article, we outlined the role of an executor. This second article provides information that you will need to gather prior to meeting with an attorney to prepare your will.

Preparing your will is not an easy task, but it is one that we all should perform as part of our overall estate plan. Planning for and acknowledging your own death is something that many adults are uncomfortable with; perhaps that’s why, according to the 2020 Estate Planning and Will study conducted by, 47.9% of Americans over age 55 don’t have a will.i

Creating a will is one of the most important things you can do for your loved ones. Formally stating your wishes on paper helps your heirs avoid potential misunderstandings and gives you the peace of mind knowing that your possessions will be distributed in accordance with your wishes. The laws governing wills vary from state to state, so it’s important to consult with an attorney who is familiar with the estate laws in your state.

The first thing you should know is the definition of a will. Simply put, a will is a legal document in which you declare who will manage and distribute your estate after you die. Your estate may consist of major, expensive items such as your house or a piece of land but may also include sentimental items such as photographs or jewelry. As discussed in part one of this series, the person named in your will to manage your estate is the executor because he or she executes your wishes as stated. The executor’s chief responsibility is to ensure that the instructions in the will are properly followed.

In addition, a will can serve to designate who you wish to become the guardian(s) for any minor children or dependents. You also declare who you want to receive specific items that you own such as china, silver or family heirlooms. Someone designated to receive any of your property is called a beneficiary. There are three types of property that are generally not included in your will: property subject to contracts (e.g. insurance policies), retirement accounts with properly executed beneficiary forms, and jointly owned property (e.g. joint tenants with right of survivorship, or tenants by the entirety). Make sure that you have listed beneficiaries for those accounts and that they are up to date, since what is on file when you die dictates who will receive those assets.

Preparing a will includes gathering all the necessary information required to draft the legal document and providing it to your attorney. Compiling the following information will assist you in the process:

  • List your property. Begin with real property, providing the street address and estimated value. List bank and investment accounts, including the financial institution name and account numbers. Include your vehicles such as cars, trucks, RVs and boats with identifying information. Specify personal items of monetary value such as antiques, as well as items of sentimental value such as the family Bible.
  • List your potential heirs. Include spouse, children, siblings, parents, and other dependents. Add friends, neighbors or any other persons with whom you have a close relationship. Be sure to include first and last names. And finally, list organizations or associations that you support.
  • Line up assets with heirs. Make a short list or leave everything to one person.
  • Add any conditions to your bequests. One popular condition is that the heir be alive at the time of your death. List your preferences if an heir predeceases you.
  • Select guardians. Decide who will be responsible for your minor children or other dependents. And, most importantly choose an executor for your will.

Once you have gathered the information, the next step is to make an appointment with your attorney or to draft your will. If you decide to draft your own will, there are plenty of will-writing resources available, both online and at your local library or bookstore. While your general family attorney is able to prepare your will, if you have a complex family or financial situation you may want to hire an estate planning attorney. Keep in mind that estate planning attorneys are experts and will be able to answer any inheritance questions and provide estate tax guidance.

If you have specific questions regarding estate planning, MMBB CERTIFIED FINANCIAL PLANNER™ professionals are available to assist you. Financial planning is available to you at no cost as a benefit of membership. Contact us at 800.986.6222 or .(JavaScript must be enabled to view this email address) for more information.

The information contained herein is for informational purposes only. While MMBB made every attempt to ensure that the information is accurate, MMBB is not responsible for any errors or omissions or the results obtained from the use of this information. MMBB is not liable for any success or failure that is directly or indirectly related to the use of the information contained herein. The information contained herein does not constitute any financial, insurance, investment, legal, or tax advice. In no event shall, MMBB and/or its fiduciaries, directors, officers, employees, or agents thereof be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in action of contract, negligence or tort, arising out of or in connection with the use of the information contained herein.