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Harriet A. Spear 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 Tennessee and Louisiana. No insurance business may be conducted outside this/these states referenced, until licenses are obtained in those states.

*Harriet A. Spear is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member of FINRA/SIPC, a registered broker-dealer at 840 Crescent Centre Drive, Suite 500, Franklin, TN 37067. Her direct line is 615-224-9523. In this regard, this communication is strictly intended for individuals residing in the states of Tennessee and Louisiana. No offers may be made or accepted from any resident outside the specific states referenced, until licenses are obtained in those states. NYLIFE Securities LLC is a New York Life Company.