I am an Agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of Rhode Island and Massachusetts. No insurance business may be conducted outside this/these state(s) referenced. Additionally, I am a Registered Representative of and offer securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC). In this regard, this communication is strictly intended for individuals residing in the states of Rhode Island and Massachusetts. No offers may be made or accepted from any resident outside the specific state(s) referenced.