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Mark Pernicano 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 state of Michigan. No insurance business may be conducted outside the state referenced.

Mark Pernicano 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, 27777 Franklin Rd Ste 2220 American Center Building, Southfield, MI, 48034, 947-203-0808. In this regard, this communication is strictly intended for individuals residing in the state of Michigan. No offers may be made or accepted from any resident outside the specific state referenced.

James Montville 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 FL, IN, MI, OH, and TX. No insurance business may be conducted outside the states referenced.

James Montville 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, 27777 Franklin Rd Ste 2220 American Center Building, Southfield, MI, 48034, 248-508-0210. In this regard, this communication is strictly intended for individuals residing in the states of MI, OH, and TX. No offers may be made or accepted from any resident outside the specific states referenced.

RETIREMENT READINESS PARTNERS, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither RETIREMENT READINESS PARTNERS, LLC nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

For more information about NYLIFE Securities LLC and its investment professionals.

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