Disclosure

Michael Berardi is an agent of and 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 AZ, CA (CA Insurance License #0H49665), CT, DE, FL, GA, MD, NC, NJ, NY, PA, and TX. No insurance business may be conducted outside the states referenced.

Michael Berardi is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 555 E City Ave, Bala Cynwyd, PA, 19004, 610-660-7196. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, DE, MD, NJ, and PA. No offers may be made or accepted from any resident outside the specific states referenced.

Neither New York Life Insurance Company nor its agents or affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.