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Vincent Dallo and Jeanna Lombardi 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 CT, FL, and NY. No insurance business may be conducted outside this/these state(s) referenced.

Vincent Dallo and Jeanna Lombardi are Registered Representatives collectively offering securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency. 375 Woodcliff Drive, Fairport, NY 14450, 585-248-6768. In this regard, this communication is strictly intended for individuals residing in the states of CT, FL, and NY. 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.

Kappan Financial, LLC is not owned or operated by New York Life Insurance Company or any affiliates.