Life Insurance: Life insurance is a proven, effective way to protect your family’s lifestyle and future. Plus it can help you prepare for retirement and other major life events. It can also play an important part in estate, business succession, or charitable giving plans.

Long-Term Care Insurance: Going through life may require a little help along the way. So if you’re planning ahead, long-term care insurance may help protect you or a family member’s future plans and help preserve the assets you’ve worked so hard to build.

Retirement Income: Preparing for retirement is easier with the help of our guaranteed^ lifetime income annuity products. You can select an immediate annuity1 that pays income right away, or a tax-deferred fixed annuity1 that allows you to set aside money until you need it. Either way, you will be assured a steady, dependable source of income for life.

Investments# and Variable Annuities: 2# - Planning for the future requires a smart strategy that maximizes returns while managing risk. We offer a wide array of investment products that can help you reach an equally wide array of objectives. We can help you find the one that’s right for you, your goals, and your risk tolerance.

Other Products: We have established relationships with other carriers, and can supply you with information on disability income insurance as well as individual and group health insurance products.3 If we don’t offer it, chances are we can assist you.

To learn more about our products and services, please feel free to give me a call or request a free consultation. I’ll be happy to answer all your questions.

# Offered by NYLIFE Securities LLC (member FINRA/SIPC).

^ Guarantees are backed by the claims paying ability of the issuer.

1 New York Life fixed annuities are Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation)

2 Variable Annuities are long-term investments used for retirement savings. There are contract limitations, fees, expenses and risks associated with these investments. All guarantees are dependent on the claims paying ability of New York Life Insurance and Annuity Corporation (NYLIAC) and do not apply to the underlying Investment Divisions in the variable annuity which are subject to market risk and fluctuate in value.

Mutual Funds and Variable Annuities are subject to market risks. They are offered only via a prospectus. Investors are asked to consider the investments objectives, risks, charges, and expenses of the investment and the underlying investment option carefully before investing. Please be sure to request a current prospectus for any specific Mutual Fund or Variable Annuity and its underlying investment options, you are considering and read them carefully before investing as the prospectus will provide complete information on the investments objectives, risk factors, applicable fees and expenses.

3 Products available through one or more carriers not affiliated with New York Life; dependent on carrier authorization and product availability in your state or locality.

Giving you a strong start.

No one said starting out would be easy. But with proper guidance and some smart decisions, you’ll be surprised at what you can accomplish. Let’s talk about what you’ll need to reach your financial goals.

Starting out on the right foot can make a big difference. If needing life insurance or financial services is new to you, I’m ready to help. Contact me to find out what you can do to help secure your financial future.

Making the right decisions is key to getting where you want to go. Working together we can make sure you have the proper protection in place so you can focus on reaching your goals.

Do you have more financial responsibilities than resources? That’s not uncommon these days-not when so many of us are trying to pay off our mortgages, prepare for retirement, save for college and care for aging relatives. That’s where it helps to have a financial professional by your side; someone who can evaluate your needs, assess your priorities and recommend solutions that help address your financial goals and objectives.