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 MA,MI,NC,AZ. No insurance business may be conducted outside this/these state(s) referenced. Additionally, I am a [Registered Representative oNYLIFE Securities and offer securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC), A Licensed Insurance Agency. In this regard, this communication is strictly intended for individuals residing in the state of MA . No offers may be made or accepted from any resident outside the state of MA, 201 Jones Rd. Fifth floor, Waltham, MA 02461,617-647-1400 I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.