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James T."Tim" Kersanac 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 Florida, Alabama and Mississippi. No insurance business may be conducted outside these states referenced.

James T."Tim" Kersanac is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, 225 Main Street, Suite 7K, Destin, FL 32541, (251) 460 - 4606. In this regard, this communication is strictly intended for individuals residing in the states of Florida, Alabama, and Mississippi. No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities LLC is a New York Life Company.

Neither New York Life Insurance Company nor its agents or affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.