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 Pemberton Financial & Insurance Services, Inc.

Josephine Pemberton is an agent for New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the state(s) of CA (CA Insurance License 0D41122), CO, IA, NC, NE, NY, OR and WA. No insurance business may be conducted outside this/these state(s) referenced.

Josephine Pemberton is also a Registered Representative for NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a New York Life Insurance Company. In this regard, this communication is strictly intended for individuals residing in the state(s) of AZ, CA, CO, OR. No offers may be made or accepted from any resident outside the specific state(s) referenced. NYLIFE Securities LLC is a New York Life Company.

Pemberton Financial & Insurnace Services is not owned or is not owned or operated by New York Life Insurance Company, NYLIFE Securities LLC or its affiliates.