HanSuk "Hans" Kim 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 NY, NJ, CT, MA, VA. No insurance business may be conducted outside the specific states referenced.

HanSuk "Hans" Kim is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC. In this regard, this communication is strictly intended for individuals residing in the states of NY, NJ. No offers may be made or accepted from any resident outside the specific states referenced.

HSK Financial LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

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.