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Michael V. Oneal 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 CT, CA (CA Ins. Lic. 0G65296), GA, LA, MD, MS, NJ, NY, OH, PA, TX & VA. No insurance business may be conducted outside these states referenced.

Michael V. Oneal is a Registered Representative 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 MD, NJ, NY & TX. No offers may be made or accepted from any resident outside the specific states referenced.

Michael V. Oneal is licensed to offer mutual funds and variable products. Market Watch information is provided for informational purposes and is not considered an offering of securities.

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