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                            401(k) and IRA Rollovers


                            When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer's plan is an option, a rollover can be a consideration. Working with your tax advisor, we can help you determine the right course of action for you. This may include: leaving the funds in your existing plan, if permitted, or rolling them into your new employer's plan, if one is available and rollovers are permitted. Each choice offers advantages and disadvantages, depending on your specific needs and retirement plan, such as the desired investment options and services, applicable fees, expenses, and withdrawal options, as well as required minimum distributions and tax treatment of applicable options.

                            Neither New York Life Insurance Company nor its agents offer tax advice.

                            Disclosure

                            Swapan Munshi 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 CA (CA Insurance License #0K77128), IL, IN, and TX. No insurance business may be conducted outside the states referenced.

                            As a New York Life Agent, Swapan Munshi is licensed and authorized to offer insurance in California, but COUNCIL FINANCIAL AND INSURANCE SERVICES may not be. For additional information on California licensure status, please click here.

                            Amit Munshi 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 state of California (California Insurance License #0531488). No insurance business may be conducted outside the state referenced.

                            As a New York Life Agent, Amit Munshi is licensed and authorized to offer insurance in California, but COUNCIL FINANCIAL AND INSURANCE SERVICES may not be. For additional information on California licensure status, please click here.

                            Amit Munshi 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, 171 Cypress Point Way, Moraga, CA, 94556, 415-613-4600. In this regard, this communication is strictly intended for individuals residing in the state of California. No offers may be made or accepted from any resident outside the specific state referenced.

                            COUNCIL FINANCIAL AND INSURANCE SERVICES is not owned or operated by New York Life Insurance Company or its affiliates.?

                            Neither COUNCIL FINANCIAL AND INSURANCE SERVICES nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.?

                            For more information about NYLIFE Securities LLC and its investment professionals.

                            Click here
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