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Disclosure

Harriet Spear is an agent of and 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, KY, LA, MI, NY, TN, and TX. No insurance business may be conducted outside the states referenced.

Harriet Spear is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 6512 Radcliff Dr, Nashville, TN, 37221. In this regard, this communication is strictly intended for individuals residing in the states of LA, and TN. No offers may be made or accepted from any resident outside the specific states referenced.

Neither New York Life Insurance Company nor its agents or affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

For more information about NYLIFE Securities LLC and its investment professionals.

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