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Denise Bayer 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 CO, OH, OK, TX, and WA. No insurance business may be conducted outside the states referenced.

Denise Bayer is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 135 S Hickory St, Muenster, TX, 76252, 940-759-2405. In this regard, this communication is strictly intended for individuals residing in the states of MO, OH, OK, and TX. No offers may be made or accepted from any resident outside the specific states referenced.

BAYER FINANCIAL, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither BAYER FINANCIAL, LLC nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

For more information about NYLIFE Securities LLC and its investment professionals.

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