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Michael F. Calafati, Dennis Ballow and Robert Cera, collectively, are Agents 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 Pennsylvania, New Jersey, Delaware and Florida. No insurance business may be conducted outside the specific states referenced.

Michael F. Calafati, Dennis Ballow and Robert Cera, collectively, are Registered Representatives of and offering securities products & 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 Pennsylvania, New Jersey, Delaware and Ohio. No offers may be made or accepted from any resident outside the specific states referenced.

¹Michael F. Calafati  and Dennis Ballow are also separately registered as an Investment Adviser Representatives through Eagle Strategies LLC, A Registered Investment Adviser, collectively offering investment advisory services in the states of Pennsylvania, New Jersey, Delaware, and Ohio. As such, these services are strictly intended for individuals residing in Pennsylvania, New Jersey, Delaware and Ohio.

Please note that only Michael F. Calafati and Robert Cera Jr. can offer, service, etc AARP related products and services.

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

Calafati Financial Group is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither Calafati Financial Group, its staff or members, nor NYLIFE Securities LLC or its agents or affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions.

Michael Calafati and Dennis Ballow are located at 230 Cutleaf Circle, Harleysville, PA, 19438; and Robert Cera is located at 1242 Fairview Ave., Havertown, PA, 19083.