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Julianne Hertel, Yvette Minnifield and Michelle Anctil (CA Insurance License #0M69507) collectively are licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies collectively in the states of CA, CT, FL, GA, MA, MD, ME, MN, NC, NH, NY, OH, PA, RI, TX, VA, VT. No insurance business may be conducted outside these states referenced.

*Julianne Hertel, Yvette Minnifield and Michelle Anctil are Registered Representatives of and offer securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency. In this regard, this communication, collectively, is strictly intended for individuals residing collectively in the states of CA, CT, FL, GA, MA, MD, ME, MN, NC, NH, NY, OH, PA, RI, TX, VA, VT. No offers may be made or accepted from any resident outside the specific states referenced.

**Julianne Hertel is registered as an investment adviser representative with Eagle Strategies LLC, a Registered Investment Adviser, offering investment advisory services in the states of MA, CT, NH and NY. As such, these services are strictly intended for individuals residing in the specific states referenced.

Dream Big Wealth Strategies LLC is not owned or operated by either NYLIFE Securities LLC or Eagle Strategies LLC or its affiliates.

#Neither Eagle Strategies LLC, its advisors, NYLIFE Securities LLC or any of its affiliates or representatives, nor Dream Big Wealth Strategies LLC or any of its staff provide tax, legal or accounting advice. Please consult your own professionals for tax, legal, and accounting advice before making any decisions.

Eagle Strategies LLC & NYLIFE Securities LLC are New York Life Companies.