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Andrew E. McReynolds (CA Insurance License #0F95508), Cindy Cverduzco(CA Insurance License #0k51334), Steven Josh Uy (CA Insurance License #0J25132) and Bryan Schimmel (CA Insurance License #0M13920) 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 AL, AZ, CA, FL, GA, IL, LA, MA, MD, MN, NJ, NV, NY, OH, PA, SC, TX, UT, VA and WA. No insurance business may be conducted outside these states referenced.

Andrew E. McReynolds, Cindy Cverduzco and Steven Josh Uy Bryan Schimmel are Registered Representatives collectively offering securities 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 AL, AZ, CA, LA, MA, MN, NJ, NV, NY, OH, PA, SC, TX, UT and WA. No offers may be made or accepted from any resident outside the specific states referenced.

Andrew E. McReynolds, Cindy Cverduzco Bryan Schimmel and Steven Josh Uy are also registered as investment adviser representatives with Eagle Strategies LLC, a Registered Investment Adviser, and are licensed to collectively offer advisory services in the states of AL, AZ, CA, LA, MA, MN, NJ, NV, NY, OH, TX, PA, UT and WA. Eagle Strategies is a New York Life company. As such, these services are strictly intended for individuals residing in the specific states referenced. Eagle Strategies is a New York Life cCompany.

Andrew McReynolds is a Member Agent of the Nautilus Group® a service of New York Life Insurance Company.

Neither Monarch Grove Wealth Strategies & Insurance Solutions and its associates nor New York Life or its subsidiaries and affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal or accounting professionals regarding your particular situation.

Monarch Grove Wealth Strategies & Insurance Solutions is not owned or operated by New York Life Insurance Company or any of its affiliates.