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Thomas Judd and Teresa Scicchitano are agents collectively 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 NY, NJ. No insurance business may be conducted outside these states referenced

Thomas Judd and Teresa Scicchitano are Registered Representatives of and collectively 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 NY. No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities LLC is a New York Life Company.

Thomas K. Judd & Associates is not owned or operated by NYLIFE Securities LLC, or its affiliates.

>Neither  Thomas K. Judd & Associates, its employees nor NYLIFE Securities LLC, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

Thomas Judd and Teresa are licensed to offer mutual funds and variable products.  Market Watch information is provided for informational purposes and is not considered an offering of securities.