General Disclaimers

Ricky Dukes 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 AL, AR, AZ, CA, CO, DE, FL, IL, LA, MD, MI, NC, SC, TN, TX, WA, WI. No insurance business may be conducted outside the states referenced.

Ricky Dukes 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, 14819 Ballantyne Village Way, Charlotte, NC 28277. In this regard, this communication is strictly intended for individuals residing in the states of AL, CA, CO, IL, LA, NC, SC, TX, WA. No offers may be made or accepted from any resident outside the specific states referenced.