Ann Kutrow has rejoined MassMutual's Retirement ServicesDivision as senior relationship manager, effective March 5. Basedin Washington D.C., Kutrow serves on the south/central regionclient management team and is working with retirement plan advisersin the mid-market. She comes to MassMutual from The Meltzer Group,where she served as director of retirement plan consulting, aposition she held since 2004. She first joined MassMutual'sRetirement Services Division in 2000 as a communicationsspecialist. In this role, Kutrow reports to Brian Barrett,assistant vice president for MassMutual's Retirement ServicesDivision.

Garrett Carlough has been promoted to managing director withMassMutual's Retirement Services Division, effective March 1. Inthis role, Carlough is responsible for business development andsales support of MassMutual's third-party and dedicateddistribution channels in Washington D.C., Maryland and Virginia.Prior to joining MassMutual in 2011 as sales director, he spentnearly six years with Principal Financial Group. Carlough will bebased in Washington D.C. and reports to Michael Reilly, divisionalsales manager for MassMutual's Retirement Services Division.

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