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Michelle (Shelly) Gams is an agent of and licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies. Michelle (Shelly) Gams is licensed in the states of CO, MN, MT, ND, UT, WA, and WY. No insurance business may be conducted outside these states referenced.

Michelle (Shelly) Gams is a Registered Representative of and offers securities products and 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 CO, MN, MT, ND, UT, WA, and WY. No offers may be made or accepted from any resident outside the specific states referenced.

Michelle (Shelly) Gams is also a Financial Adviser of Eagle Strategies LLC, a Registered Investment Adviser, and offers advisory services in the states of CO, MN, MT, WA and WY. As such, these services are strictly intended for individuals residing in these states.

Retirement Solutions is not owned or operated by New York Life Insurance Company, NYLIFE Securities LLC, or Eagle Strategies LLC or any of their affiliates.

Neither New York Life Insurance Company nor Retirement Solutions or any of their representatives provides tax or legal advice. Please consult your tax or legal advisors regarding your particular situation.