Paul J. Haye, CLU®, ChFC®, AEP® (CA Insurance License #0L23377) is an agent licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the states of Arizona, California, Florida, Georgia, Iowa, Illinois, Indiana, Kansas, Maryland, Michigan, Montana, North Carolina, New Jersey, New Mexico, Ohio, Pennsylvania, South Carolina, Texas, Virginia, West Virginia, and Wisconsin. No insurance business may be conducted outside these states referenced.

Paul J. Haye, CLU®, ChFC®, AEP® is also separately registered as an investment adviser representative ("IAR"), under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of Iowa, Ohio, North Carolina, Florida, West Virginia, Virginia, Michigan, Georgia, Arizona, California, Colorado, Illinois, Indiana, New Jersey, New Mexico, Pennsylvania, South Carolina, Texas. As such, these services are strictly intended for individuals residing in these states.

Paul J. Haye, CLU®, ChFC®, AEP® 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 Ohio, New Mexico, North Carolina, Iowa, Florida, West Virginia, Virginia, Michigan, Georgia, Arizona, California, Colorado, Illinois, Indiana, New Jersey, South Carolina, Texas, Pennsylvania. No offers may be made or accepted from any resident outside the specific states referenced.

Paul has been a member of New York Life's Chairman's Council annually since 2001. He has been an MDRT Court of the Table member annually since 2004. He has been an MDRT Life and Qualifying Member annually since 1995, and has received the NAIFA Quality award annually since 2001.

Heritage Planners is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither Heritage Planners nor Eagle Strategies LLC or its subsidiaries and affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional regarding your particular situation.

Louis W. Fahrbach (CA Insurance License #0M09340) is an agent licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the states of Ohio, Michigan, California, Colorado, Indiana, Maryland, and New Mexico. No insurance business may be conducted outside these states referenced.

Louis W. Fahrbach is also separately registered as an investment adviser representative ("IAR"), under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the state of Ohio. As such, these services are strictly intended for individuals residing in this state.

Louis W. Fahrbach 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 Ohio, Michigan, and Indiana. No offers may be made or accepted from any resident outside the specific states referenced.

Timothy J. Haye, MBA is an agent licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in Illinois, Michigan, Ohio, Indiana . No insurance business may be conducted outside these states referenced.

Timothy J. Haye, MBA 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 Illinois, Michigan, Ohio, Indiana. No offers may be made or accepted from any resident outside the specific states referenced.