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                          Disclosure

                          Alan Kramer is an agent of and 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 CA (CA Insurance License #0D13450), CT, NJ, and NY. No insurance business may be conducted outside the states referenced.

                          Alan Kramer 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, 6 Auer Ct Ste F, East Brunswick, NJ, 08816, 732-967-1700. In this regard, this communication is strictly intended for individuals residing in the states of NJ, and NY. No offers may be made or accepted from any resident outside the specific states referenced.

                          The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

                          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.​

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

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