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Richa Sadana is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent insurance companies in the states of AL, AR (AR Insurance License #16011718), CA (CA Insurance License #0L55882), CT, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, NJ,NM, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA. No insurance business may be conducted outside of these states referenced.

Richa Sadana is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, MemberFINRA/SIPC a licensed insurance agency and a New York Life company. In this regard, this communication is strictly intended for individuals residing in the states of AL, AR, FL, LA, MS, TN and TX. 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 Richa Sadana nor New York Life or its subsidiaries and affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional regarding your particular situation.