Joseph M. Garrel 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 FL, NY, NJ, MA, PA, GA, CT, MD, VA, NC, SC, MI, MN, WI, TX, CO, AZ, OR, WA & CA (CA Insurance Lic # 0E30172). No insurance business may be conducted outside these states referenced.

Joseph M. Garrel is a Financial Adviser offering investment advisory services through Eagle Strategies LLC, a Registered Investment Advisor, offering investment advisory services in the states of FL, NY, NJ, MA, PA, GA, CT, MD, VA, NC, SC, MI, MN, WI, TX, CO, AZ, OR, WA & CA . As such, these services are strictly intended for individuals residing in the specific states referenced./p>

Joseph M. Garrel 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 state of FL, NY, NJ, MA, PA, GA, CT, MD, VA, NC, SC, MI, MN, WI, TX, CO, AZ, OR, WA & CA. No offers may be made or accepted from any resident outside the specific state referenced.

Neither Garrel Miani Financial Group and its employees nor New York Life Ins. Co. or its agents or affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.

C. Scott Rassler is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent insurance companies in the states of AZ, CA, FL, IL, KY, MA, MD, MI, NC, NJ, NV, NY, OH, WA. (CA Insurance Lic # 0D17202). No insurance business may be conducted outside of these states referenced.

C. Scott Rassler 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 state of CA, FL, MI, NC, NV. No offers may be made or accepted from any resident outside the specific state referenced.

C. Scott Rassler is also separately registered as an investment adviser representative with Eagle Strategies LLC, a Registered Investment Adviser, offering investment advisory services in the states of CA, FL, MI, NC, NV. As such, these services are strictly intended for individuals residing in these states.

Neither Rassler Financial strategies and its employees nor New York Life Ins. Co., its Agents or affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.

Phillip N. Miani is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent insurance companies in the states of FL, AL, CO, DE, GA, NC, NJ, NY, OR, SC, VA, WA, WI & CA (CA Insurance License # 0757643). No insurance business may be conducted outside of these states referenced.

Phillip N. Miani 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 state of FL, AL, CO, NC, NY, OR, SC, WA, WI & CA. No offers may be made or accepted from any resident outside the specific state referenced.

Phillip N. Miani is also separately registered as an investment adviser representative with Eagle Strategies LLC, a Registered Investment Adviser, offering investment advisory services in the states of FL, AL, CO, NC, NY, OR, SC, WA, WI & CA . As such, these services are strictly intended for individuals residing in these states.

Neither Garrel Miani Financial Group and its employees nor New York Life Ins. Co. its agents or affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.

Garrel Miani Financial Group, and Rassler Financial Strategies companies are independent of each other and New York Life Ins. Co. and its affiliates.

Eagle Strategies LLC & NYLIFE Securities LLC are New York Life Companies.

Daniel Shwartz is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent insurance companies in the states of FL, TX, CA & MA. (Ca Insurance Lic# 0M17577). No insurance business may be conducted outside of these states referenced.

Neither Daniel Shwartz nor New York Life or its subsidiaries and affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional regarding your particular situation.