Do you have more financial responsibilities than resources? That's not uncommon these days-not when so many of us are trying to pay off our mortgages, prepare for retirement, save for college and care for aging relatives. That's where it helps to have a financial professional by your side; someone who can evaluate your needs, assess your priorities and recommend solutions that help address your financial goals and objectives.

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Disclosure

Kirk Dougherty is an agent of and 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 CO, CT, DE, FL, IN, MD, ME, NC, NE, NH, NJ, NM, NY, PA, RI, SC, TN, TX, VA, and VT. No insurance business may be conducted outside the states referenced.

Kirk Dougherty is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 375 Woodcliff Dr Ste 2, Fairport, NY, 14450, 914-253-7000. In this regard, this communication is strictly intended for individuals residing in the states of CO, CT, NC, NH, NY, and PA. No offers may be made or accepted from any resident outside the specific states referenced.

Kirk Dougherty is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CO, CT, NC, NH, NY, and PA. As such, these services are strictly intended for individuals residing in the states referenced.

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