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Guy Welsh, Stephanie Kidder, and Andrew Karczewski are agents 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 Arizona. No insurance business may be conducted outside the specific states referenced.

Guy Welsh, Stephanie Kidder, and Andrew Karczewski are Registered Representatives of and offer securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency and New York Life Company. In this regard, this communication is strictly intended for individuals residing in the states of Arizona. No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities LLC is a New York Life Company.

Neither Empower Financial Group LLC or its staff, nor NYLIFE Securities LLC or its representatives or affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.

Empower Financial Group LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.