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Michael Berardi 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 PA, NJ, DE, MD and CT. No insurance business may be conducted outside these states referenced.

Michael Berardi is a Registered Representative of and offers securities products and 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 states of PA, NJ and DE. 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.

NYLIFE Securities LLC is a New York Life Company.