HF Financial (www.HFFCarolinas.com), a general agency of Massachusetts Mutual Life Insurance Company (MassMutual), has expanded the leadership team in its Wilmington, N.C. office. Rick Ruiz, LUTCF, joins the firm as Managing Director. Steven E. Krasnipol, CAP, CFP®, CLU, ChFC, ChSNC, President of Wealth Coach of North Carolina, an affiliate of HF Financial, will continue to serve as Senior Planner.

Ruiz brings nine years of financial planning experience to his new role, which includes overseeing the firm’s Wilmington office and being responsible for recruiting, training and retaining advisors.

Krasnipol partnered with HF Financial in 2008 when his firm, Wealth Coach of North Carolina, opened its Wilmington offices. Involved in the financial services industry since 1989, Krasnipol’s specialties include: charitable planning; special needs planning; planning for client financial independence; family legacy and social capital legacy; and insurance and investment strategies.

“We are excited to have Rick [Ruiz]and Steve [Krasnipol] helping spearhead our operations and expansion in the Wilmington area,” said Timothy C. Flanagan, Jr., CLU, ChFC, CFP®, ChSNC™, General Agent of HF Financial. “They both bring a wealth of experience in leadership and in helping people plan for a secure future.”

About HF Financial

HF Financial (formerly Hinrichs Flanagan Financial) specializes in a broad spectrum of financial services that enables the firm to offer comprehensive strategies to individuals, families and businesses for risk management, asset allocation, estate planning, cash flow and wealth accumulation. Securities products and services are offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC. 6000 Fairview Road, Suite 400, Charlotte, NC 28210. (704) 557-9600. The firm serves clients in North and South Carolina. More information is available at www.hffcarolinas.com.

Founded in 1851, Massachusetts Mutual Life Insurance Company (MassMutual) is a leading mutual life insurance company that is run for the benefit of its members and participating policyholders. The company has a long history of financial strength and strong performance, and although dividends are not guaranteed, MassMutual has paid dividends to eligible participating policyholders consistently since the 1860s. With whole life insurance as its foundation, MassMutual provides products to help meet the financial needs of clients, such as life insurance, disability income insurance, long term care insurance, retirement/401(K) plan services, and annuities. In addition, the company's strong and growing network of financial professionals helps clients make good financial decisions for the long-term.

Rick Ruiz is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, Inc. Member SIPC. 6000 Fairview Road, Suite 400, Charlotte, NC 28210. (704) 557-9600.

Steven E. Krasnipol is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, Inc. Member SIPC. 6000 Fairview Road, Suite 400, Charlotte, NC 28210. (704) 557-9600.