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Denise R. Davis and Francis Memmo are agents collectively 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 New Jersey, Delaware, and Pennsylvania. No insurance business may be conducted outside these states referenced.

Denise R. Davis and Francis Memmo are Registered Representatives of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency. In this regard, this communication is collectively strictly intended for individuals residing in the state of New Jersey. No offers may be made or accepted from any resident outside the specific state referenced. NYLIFE Securities LLC is a New York Life Company.

Davis and Memmo Financial Group is not owned or operated by NYLIFE Securities LLC or its affiliates.