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Paul LaCava and Ron Gallina are agents licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies collectively in the states of FL, CT, NJ, NY, PA. No insurance business may be conducted outside these states referenced.

Paul LaCava and Ron Gallina are collectively Registered Representatives offering securities products and services through NYLIFE Securities LLC, Member FINRA/SIPC, a registered broker-dealer (631) 391-2900. In this regard, this communication is strictly intended for individuals residing in the states of  AZ, CT, FL, NJ, NY, PA. No offers may be made or accepted from any resident outside the specific state(s) referenced.

Benefits Plus Financial Services,Inc is not owned or operated by NYLIFE Securities LLC or its affiliates.

Paul LaCava, ChFC®, MSFS is also separately registered as an investment adviser representative ("IAR"), under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the state(s) of (NY, CT, FL, NJ, PA). As such, these services are strictly intended for individuals residing in (NY, CT, FL, NJ, PA).

Eagle Strategies LLC and NYLIFE Securities LLC are New York Life Companies.

Benefits Plus Financial Services, Inc. is not owned or operated by NYLIFE Securities, LLC or its affiliates.