Michelle (Shelly) Gams is an agent of and licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies. Michelle (Shelly) Gams is licensed in the states of CO, MN, MT, ND, UT, WA, and WY. No insurance business may be conducted outside these states referenced.

Michelle (Shelly) Gams is a Registered Representative of and offers securities products and 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 CO, MN, MT, ND, UT, WA, and WY. No offers may be made or accepted from any resident outside the specific states referenced.

Michelle (Shelly) Gams is also a Financial Adviser of Eagle Strategies LLC, a Registered Investment Adviser, and offers advisory services in the states of CO, MN, MT, WA and WY. As such, these services are strictly intended for individuals residing in these states.

Retirement Solutions is not owned or operated by New York Life Insurance Company, NYLIFE Securities LLC, or Eagle Strategies LLC or any of their affiliates.

Neither New York Life Insurance Company nor Retirement Solutions or any of their representatives provides tax or legal advice. Please consult your tax or legal advisors regarding your particular situation.

Neither SHOOK nor Forbes receives any compensation in exchange for placement on its Top Financial Security Professional (FSP) rankings, which are determined independently (see methodology). FSP refers to professionals who are properly licensed to sell life insurance and annuities. FSPs may also hold other credentials and licenses which would allow them to offer investments and securities products through those licenses. Ranking algorithm is based on qualitative measures learned through telephone, virtual and in-person interviews to measure best practices. Also considered: client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management, sales figures and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and audited performance reports are rare.  Individuals must carefully choose the right FSP for their own situation and perform their own due diligence. SHOOK’s research and rankings provide opinions intended to help individuals choose the right FSP and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.