The New York Life Center for Retirement Income was funded by New York Life Insurance Company, “New York Life”. It is intended to be an educational venue for financial advisers to learn about retirement planning. Please note that the opinions presented in these videos are those of the speakers, and do not necessarily represent the opinions or policies of New York Life. New York Life makes no warranties or representations about the accuracy or completeness of the statements made in this video, or any associated materials appearing on The American College website and assumes no liability for damages resulting from the use of the information contained therein. New York Life and the American College are not engaged in rendering legal, accounting, tax, or other professional advice through the use of these videos or associated materials. If legal, tax, or other expert advice is required, the services of an appropriate professional should be sought.