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Michael J. O'Neill, CLTC is an agent 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 CA (CA Ins. Lic. #0696879).  No insurance business may be conducted outside these states referenced.

Michael J. O'Neill, CLTC 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 states of CA and WA. No offers may be made or accepted from any resident outside the specific states referenced.

Michael J. O'Neill Insurance and Financial Services, Inc. is not owned or operated by NYLIFE Securities LLC, or its affiliates.