Andrew DeCarlo 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, IL, MD, NJ, NY, OH, PA, TX, VA, and WV. No insurance business may be conducted outside the states referenced.

Andrew DeCarlo is a Registered Representative(s) of and offers securities products & 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 FL, NJ, NY. No offers may be made or accepted from any resident outside the specific states referenced.

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

NYLIFE Securities LLC. is a New York Life company.