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Michael Oneal (120 Broadway, 29th Floor New York, NY 10271), Rhonda Lancaster (120 Broadway, 29th Floor New York, NY 10271), and Derrick Barnes are agents collectively 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 NY, PA, CA, (Michael Oneal CA Insurance Lic 0G65296), (Derrick Barnes CA Insurance license 0M24680), CT, MD, NC, NH, NJ, NY, TX, & VA. No insurance business may be conducted outside this state referenced.

Derrick Barnes (420 Lexington Avenue, 15th Floor New York, NY 10170) is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency, 420 Lexington Ave, 14TH and 15TH Floor, NY, NY, 10170 (646) 227-8888 .  In this regard, this communication is strictly intended for individuals residing in the states of NY, PA, and NJ. No offers may be made or accepted from any resident outside the specific states referenced.

Michael Oneal is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency, 120 Broadway, Suite 3700, NY, NY, 10271 (240) 427-8567. In this regard, this communication is strictly intended for individuals residing in the states of NY, NJ, and MD. No offers may be made or accepted from any resident outside the specific states referenced. Michael Oneal and Derrick Barnes are licensed to offer mutual funds and variable products. Market Watch information is provided for informational purposes and is not considered an offering of securities.

NYLIFE Securities LLC is a New York Life Company.

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.