Lucia Banko is/are agent(s) 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 York, California (CA Insurance License #0K47813), and Massachusetts. No insurance business may be conducted outside this/these state(s) referenced.

Lucia Banko is/are a Registered Representative(s) of and offers 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 New York. No offers may be made or accepted from any resident outside the specific state(s) referenced. NYLIFE Securities LLC is a New York Life Company.