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Nicholas Ruggierello is an agent licensed to sell insurance through New York Life Insurance Company and islicensed with various other independent unaffiliated insurance companies in the states of New York. No insurance business may be conducted outside this/these state(s) referenced.

Nicholas Ruggirello is a Registered Representative 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 New York.  No offers may be made or accepted from any resident outside the specific state(s) referenced. NYLIFE Securities LLC is a New York Life Company.

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