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Paul J. Haye, CLU®, ChFC®, AEP® (CA Insurance License #0L23377, AR Insurance License #965899), Timothy J. Haye, MBA (CA Insurance License #OL37428, AR Insurance License # 17351406), and Louis W. Fahrbach (CA Insurance License #0M09340) are agents licensed to sell insurance through New York Life and collectively may be licensed with various other independent unaffiliated insurance companies in the states of FL, AR, AZ, CA, CO, GA, IA, IL, IN, KS, KY, LA, MD, MI, MN, MT, NC, NH, NJ, NM, NV, OH, PA, SC, TN, TX, VA, WA, WI, WV. No insurance business may be conducted outside these states referenced.

Paul J. Haye, CLU®, ChFC®, AEP®, Timothy J. Haye, MBA, and Louis W. Fahrbach are also separately registered as an investment adviser representative ("IAR"), under Eagle Strategies LLC, a Registered Investment Adviser, collectively offering advisory services in the states of AR, AZ, CA, CO, FL, GA, KY, IL, IN, MI, NC, NH, NJ, NM, OH, PA, TX, UT, VA and WV. As such, these services are strictly intended for individuals residing in these states.

Paul J. Haye, CLU®, ChFC®, AEP®, Timothy J. Haye, MBA, and Louis W. Fahrbach are Registered Representatives 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 AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, LA, MD, MI, MN, MT, NC, NH, NJ, NM, NV, OH, PA, SC, TX, UT, and VA. 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.

The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.