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Robert G. Karalius, Patricia M. Andris, Mark C. Weller, Dominick DiNofa, Donna H. Bolno, and George V. Karalius are agents licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent insurance companies in the state of NJ. No insurance business may be conducted outside of these states referenced.

Robert G. Karalius, Patricia M. Andris, Mark C. Weller, and Dominick DiNofa are Registered Representatives 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 state of NJ. No offers may be made or accepted from any resident outside the specific states referenced.

Neither Karalius and Associates and its employees nor New York Life or its subsidiaries and affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional regarding your particular situation.

Robert G. Karalius and Mark C. Weller are Financial Advisors offering investment advisory services through Eagle Strategies, LLC, A Registered Investment Adviser, in the state of NJ. As such, these services are strictly intended for individuals residing in the states referenced.