Michael J. Michalak and G. Joseph Pasman, Jr. are agents of and licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies to offer insurance collectively in the states of AL, AR, AZ, CA, CO, GA, IL, IN, KS, MI, NC, OH, TX, VA, and WI. No insurance business may be conducted outside the states referenced.

Michael J. Michalak is a Registered Representative of and collectively offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency, 488 Kinney Ave NW, Grand Rapids, MI 49534, 616-752-4512. In this regard, this communication is strictly intended for individuals residing in the states of AL, AR, AZ, CA, GA, IL, IN, MA, MI, OH, TX, VA, WI. No offers may be made or accepted from any resident outside the specific states referenced.

Michael J. Michalak is separately licensed as an investment advisor representative with Eagle Strategies LLC, a Registered Investment Adviser, offering financial planning and investment advisory services collectively in the states of AZ, IN, and MI. As such, these services are strictly intended for individuals residing in these states referenced.

Neither New York Life Insurance Company nor 2M Financial Group or their associates provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

NYLIFE Securities and Eagle Strategies are New York Life companies.2M Financial Group LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.