Joe DiTorrice is an Agent 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 NJ, FL, CA (Lic # OI03033), CO, CT, DE, FL, NY, PA, VA and WA No insurance business may be conducted outside these states referenced. Joe DiTorrice is a Financial Adviser offering investment advisory services through Eagle Strategies LLC, A Registered Investment Adviser in the states of NJ, CA, CO, CT, DE, FL, GA, MA, MD, NC, NY, PA, VA, VT and WA As such, these services are strictly intended for individuals residing in the states referenced. Additionally, Joe DiTorrice is a Registered Representative of and offer securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC), A Licensed Insurance Agency. In this regard, this communication is strictly intended for individuals residing in the states of NJ, AZ, CA, CO, CT, DE, FL, GA, MA, MD, MI, NY, OR, PA, VA and WA. Neither DiTorrice Associates nor New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions. Ditorrice Associates is not owned or operated by New York Life Insurance Company or its affiliates.