Our Management Team

We believe that our business is really all about the quality of personal relationships - with clients and colleagues. We encourage creativity and provide a supportive environment where all individuals can pursue their respective dreams and thrive in their careers.

Timothy Flanagan Jr. CLU®, ChFC®, CFP®, ChSNC™

President, MassMutual Carolinas
- Email: tflanaganjr@financialguide.com
- Phone: (704) 557-9600
- Fax: (704) 557-9692
- Meet Timothy
Jason Goldy ChFC®
- Email: jgoldy@financialguide.com
- Phone: (704) 557-9693
- Meet Jason
Audrey Averill

Chief Operating Officer
- Email: aaverill@financialguide.com
- Phone: (704) 557-9608
- Meet Audrey
Lou Galletto AIF®

Director of Wealth Management, Chief Investment Officer
- Email: lougalletto@financialguide.com
- Phone: (704) 557-9604
- Meet Lou
Stephen Perkins Sr. CLU®, RHU®

Agency Brokerage Director
- Email: stperkins@massmutualbrokerage.com
- Phone: (704) 557-9780
- Fax: (704) 943-9899
- Meet Stephen
Amanda Kramer

Director of Advisor Experience
- Email: amandakramer@financialguide.com
- Phone: (704) 541-2790
- Meet Amanda
Amy Macari
- Email: amacari@financialguide.com
- Phone: (704) 557-9646
- Meet Amy
David Jacobius MBA

Managing Sales Director
- Email: DJacobius@FinancialGuide.com
- Phone: (336) 293-7378
- Meet David
Sandra Meadows

Operations Manager
- Email: smeadows@financialguide.com
- Phone: (336) 370-3105
- Meet Sandra
Chelsea Pawlowski
- Email: cpawlowski@financialguide.com
- Phone: (704) 557-9715
- Fax: (704) 557-9670
- Meet Chelsea
Matthew D. Pawlowski CFBS

Director of Financial Planning
- Email: mpawlowski@financialguide.com
- Phone: (704) 557-9663
- Fax: (704) 557-9670
- Meet Matthew
Cynthia Richards-Donald CFP®, MBA

Managing Director
- Email: crichardsdonald@financialguide.com
- Phone: (704) 557-9660
- Fax: (704) 557-9670
- Meet Cynthia
Rick Ruiz LUTCF®

Managing Director/ Financial Services Professional
- Email: rickruiz@financialguide.com
- Phone: (910) 208-2673
- Fax: (910) 208-2685
- Meet Rick
David A. Wachter Jr. LUTCF®

Managing Director and Registered Principal
- Email: dwachter@financialguide.com
- Phone: (828) 234-8019
- Fax: (828) 234-8019
- Meet David
Marcus Watson

Managing Director
- Email: mwatson@financialguide.com
- Phone: (704) 557-9694
- Meet Marcus

Agency officers are not officers of MassMutual.