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Robert G. Karalius (CA Insurance Lic. # 0D13555), Patricia M. Andris (CA Insurance Lic. # OJ17885), Mark C. Weller (CA Insurance Lic. # OH05174), Dominick DiNofa (CA Insurance Lic. # 4092817), Donna H. Bolno, Christopher Williams (CA Insurance Lic. # 4272331), and Bianca DiFranco are agents of and collectively licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent insurance companies in the states of AZ, CA, CO, CT, DE, FL, GA, IL, IN, KY, LA, MA, MD, MI, NC, NJ, NV, NY, OH, PA, TN, TX, RI, SC, UT, VA, VT. and WA. No insurance business may be conducted outside of these states referenced.

Robert G. Karalius, Patricia M. Andris, Mark C. Weller, Dominick DiNofa, Donna H. Bolno, Christopher Williams and Bianca DiFranco are Registered Representatives of and collectively offer securities products and services through NYLIFE Securities LLC, Member FINRA / SIPC , a Licensed Insurance Agency in the states of AZ, CA, CO, CT, DE, FL, GA, IL, IN, KY, LA, MA, MD, MI, NC, NJ, NV, NY, OH, PA, RI, SC, TX, TN, UT, VA, VT, and WA. No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities is a New York Life Company.

Robert G. Karalius, Mark C. Weller, Dominick DiNofa, and Bianca DiFranco are also separately registered as investment adviser representatives with Eagle Strategies LLC, a Registered Investment Adviser, and are collectively licensed to offer advisory services in the states of AZ, CA, CO, CT, DE, FL, GA, IL, IN, KY, LA, MA, MD, MI, NC, NJ, NV, NY, OH, SC, TN, UT, VA, and WA. As such, these services are strictly intended for individuals residing in the specific state referenced. Eagle Strategies is a New York Life Company.

Neither Karalius and Associates and its associates nor New York Life or its subsidiaries and affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal or accounting professionals regarding your particular situation.

Karalius and Associates is not owned or operated by New York Life Insurance Company or any of its affiliates.