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Brian O'Leary 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 MA, CT, ME, NJ, RI, VT. No insurance business may be conducted outside the specific states referenced.

Brian O'Leary is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC. In this regard, this communication is strictly intended for individuals residing in the states of MA, CT, ME, NJ, RI, VT. No offers may be made or accepted from any resident outside the specific states referenced.

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

Semper Financial Group is not owned or operated by NYLIFE Securities LLC or its affiliates.

NYLIFE Securities LLC is a New York Life Company.