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Melissa Siesto is 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 NY, FL, IL, NC and MA No insurance business may be conducted outside the specific states referenced.

Eric Hurley is 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 NY and NC. No insurance business may be conducted outside the specific states referenced.

Melissa Siesto is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency & New York Life Company. In this regard, this communication is strictly intended for individuals residing in the states of NY, FL, IL, NC & MA. No offers may be made or accepted from any resident outside the specific states referenced.

Eric Hurley is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency & New York Life Company. In this regard, this communication is strictly intended for individuals residing in the state of NY. No offers may be made or accepted from any resident outside the specific state referenced.

Neither New York Life Insurance Company, NYLIFE Securities LLC nor Vero Financial Group, LLC provide any tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.

NYLIFE Securities LLC is a wholly owned subsidiary of New York Life Insurance Company. Vero Financial Group, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.