Finance

Helpful Forms

Compensation

Memos

Inexperienced (IXP) Advisors Financing Subsidy

IXP Financing Subsidy

Inexperienced advisors may qualify for the IXP Financing Subsidy through MassMutual. This program provides financial support as you build your practice, provided the following criteria are met:

Eligibility Requirements:

  • Within the first 4 months from contract date: Report $2,500 in Financing Weighted Commission Credits (FWCCs)

  • Within months 5–6: Report $3,500 in FWCCs

  • Must have less than 3 years of industry experience

  • Life insurance and annuity sales cannot exceed $36,000

For full program details, please review the IXP Advisor Financing Plan Memo.

Advisor Expectations

Axiom and Agents Staff FAQs

  • Our payroll company is Gusto. Your username was set up using your personal email address. You can access Gusto through the desktop site or by downloading the Gusto app on your phone.

    If you encounter any issues logging in, please contact Elizabeth Key.

  • All staff and agent employees are paid on the 15th and 30th of each month. If either date falls on a weekend, payment will be made on the Friday before.

  • Updating Information in Gusto

    You can update the following information directly in Gusto:

    • Tax Elections

    • Home Address

    • Phone Number

    • Emergency Contact

    • Direct Deposit Information

    What cannot be updated in Gusto:

    • Name Change

    • Job Title

    • Salary

    • Time Off Updates

    • Benefits

    If you need assistance making any changes in Gusto, please reach out to Elizabeth Key.

  • Time Off Benefits for Full-Time Employees

    Full-time employees are eligible for Personal Time Off (PTO), Sick Time, and Vacation. If you were employed starting 1/1, you will receive the following time off:

    • Personal Time – 48 hours, accruing 4 hours per month

    • Sick Time – 40 hours per year

    • Vacation –

      • 80 hours for employees with 0-4 years of service

      • 120 hours for employees with 5+ years of service

    In addition, we provide 10 paid holidays, which are listed in the Axiom Employee Handbook.

    You can easily track your time in Gusto, or use the 2025 Vacation Tracking. Add your vacation hours in the yellow-highlighted box, and the formulas will automatically calculate the time used and remaining.

  • Complete the Axiom Expense report and return the spreadsheet, along with receipts, to Elizabeth Key. The mileage will automatically calculate in the Subtotal column.

    Please note, the mileage reimbursement rate is currently $.70 per mile, and will be updated when the IRS provides new rates.

Advisor and Operational Staff FAQS

  • Complete the Direct Deposit Form and email to Elizabeth Key. 

  • Complete the Axiom Credit Card Form and email it to Trevor Norton. 

  • Complete the ACH Form and email to Elizabeth Key. 

  • Email Elizabeth Key to request a copy of your 1099.

  • Trevor Norton emails an invoice after the 1st and 3rd Tuesday of each month. If you need a copy or have misplaced one, email Trevor Norton. 

  • Trevor Norton emails all deposit receipts on or before the 15th/30th of each month.  If you need a copy, email Trevor at nortont@financialguide.com. 

  • If you see "Special Handling – See GA" on your MassMutual commission voucher, it refers to the amount collected to repay your agency charges. This includes the Partnership Fees and Capital Planning Resource Planning invoices.

  • All allowances, including AAA, DOA, and ERA, are paid on the 30th of each month.

  • For assistance, you can contact Elizabeth Key or Trevor Norton. Alternatively, you can contact MassMutual Advisor Operations by email or by phone at 800-767-1000, ext 48850

Elizabeth Key

Managing Director, Accounting

Trevor Norton

Accountant

Meet the Team