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Stuart J. Birkel and Thomas J. Raddatz are agents of New York Life Insurance Company and licensed to sell insurance in the states of DC, FL, GA, MD, ME, MI, MO, NC, NH, NV, NY, PA, SC, TN, TX, VA & WY. No insurance business may be conducted outside these states referenced.

Stuart J. Birkel and Thomas J. Raddatz are Registered Representatives of and collectively offer securities products & services through NYLIFE Securities LLC, a Licensed Insurance Agency Member FINRA/SIPC . In this regard, this communication is strictly intended for individuals residing in the states of DC, FL, GA, MD, ME, MI, MO, NC, NV, NY, PA, TX, VA & WY. No offers may be made or accepted from any resident outside the specific states referenced.

Waterside Financial Group is not owned or operated by New York Life Insurance Company or its affiliates.

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

NYLIFE Securities LLC is a New York Life Company.