Mark V. 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 states of Michigan ,Ohio, Wisconsin. No insurance business may be conducted outside the states referenced.

 Mark V. Pernicano is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency , 4000 Town Center, Suite 1300, Southfield, MI  48075. In this regard, this communication is strictly intended for individuals residing in the state of Michigan. 

James B. 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 state of Michigan. No insurance business may be conducted outside the state referenced.

James B. Montville is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency , 4000 Town Center, Suite 1300, Southfield, MI  48075. In this regard, this communication is strictly intended for individuals residing in the state of Michigan.

Retirement Readiness Partners, LLC does not provide tax or legal advice, and is independently owned and operated from NYLIFE Securities LLC and its affiliates.

NYLIFE Securities LLC is a New York Life Company.