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Joseph Brekan is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency and a New York Life Company. In this regard, this communication is strictly intended for individuals residing in the state of Arizona. No offers may be made or accepted from any resident outside the specific state referenced.

Joseph Brekan 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 in the state of Arizona. No insurance business may be conducted outside the state referenced.

Teacher Retirement Services is not owned or operated by NYLIFE Securities LLC or its affiliates.