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This material was produced by the Faulkner Media Group, LLC (FMG) which is not affiliated with New York Life Insurance Company or its affiliates. The material has been developed from sources believed to be accurate. The views of FMG may not necessarily represent the views or opinions of New York Life Insurance Company or its affiliates. This information is not intended as tax, legal or accounting advice. For such advice regarding your specific planning situation, you should consult appropriate professional counsel. Opinions expressed or information provided in this material are provided are for general informational purposes only and should not be considered a solicitation for the purchase or sale of any financial product or service.