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    R Capital

    5.0 (1 review)
    Open 8:00 am - 1:00 pm

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    40 minutes

    Response rate

    100%

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    Baystate Financial - baystatefinancial.com

    Baystate Financial

    (2 reviews)

    Run away from them as fast as you can! MML Investors Services in Springfield is affiliated with…read moreBaystate Financial and they will try to get away with as little effort as possible. I finally removed all my money from MML/Baystate after over a decade of getting no help or advice. I got stuck with their financial advisor, Timothy Curran, as a result of my original advisor leaving Met Life. Once I moved out of state, Timothy Curran never even called me once a year to check in over the past 15+ years. When I called him, I rarely got to talk to him directly and if I did it was very brief. He provided no guidance. I usually spoke with his assistant Karen who gave me an attitude whenever I had a question/problem and was not helpful. Whatever other money I had to invest, I went elsewhere. When I finally transferred all my money from MML/Baystate to another financial advisor with another company, I was charged for a negative balance that I found out had incurred prior to Oct 2015 (after weeks of my investigation) when Met Life merged into MML. No one told me about it or alerted me to that problem or to the fact that I was getting a 5% interest charge on the negative balance every month. I could've easily paid it off 7 years ago. It was the result of an investment that had fees that outweighed the profit, so when I asked Tim what happened to the account when I first noticed it missing on my report, I was told it was closed out. No advice, no other explanation or instructions. When I called Tim Curran for an answer in 2022 about why that negative balance kept continuing to accrue interest charges and why wasn't I told about it before 2015, his assistant said, "How should we know? You should contact MML to find out. We wouldn't have any idea why they did that!" I called MML over 10x and got a different person each time that had no idea what was going on. After more than a month of calling MML, I FINALLY spoke to a young man that explained what happened. It took him 2 minutes. He felt bad that nobody was willing to help me and actually gave me erroneous information (I was told I was wrong - that it was a credit not a debit). Tim Curran and MML couldn't bother giving me that help and info. When I asked for reimbursement for the interest charges since 2015 due to negligence on MML/Curran's part, I was denied. By the way, when I was told to call Baystate Financial directly, and was given 5 names of people to talk to, I could never get through to a human. And all the people I was told to reach to get help had voicemail boxes that were conveniently full!!

    A very poor experience. I was contacted by a young man, Joe. He shared some information with me…read moreabout my group benefits, particularly my life insurance. I agreed to an appointment in their Wakefield office. Once I arrived, another man took over the appointment. He barely introduced himself, before spewing all of these absurd numbers at me. I fully understand everything he was sharing, which was not anywhere near what Joe and I discussed on the phone prior to the appointment. This was a complete waste of my time, a classic bait and switch move by this "experienced" salesman. To be successful in sales it is important to get to know your client, build some trust and find some need. This person was just all about the sale, which was evident the first minute I met him. It really is too bad that this young man may learn these bad traits from the more experienced representative. Just remember...... you have two ears and one mouth and this is 2019, not 1985. These tactics don't work anymore. Show sincere interest in your clients' needs. I had my checkbook with me and was ready to purchase a new policy......just not from that over aggressive, pushy, smooth talking salesman.

    R Capital - notaries - Updated May 2026

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