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Nadeem S. Salem 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 CA (CA License# 0K03830), CO, FL, GA, IA, IL, IN, MI and NC. No insurance business may be conducted outside the specific states referenced.

Nadeem S. Salem is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of OH, CA, CO, FL, IA, IL, IN, MI and NC. As such, these services are strictly intended for individuals residing in said states.

Nadeem S. Salem is a Registered Representative of and offers securities products and services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency and a New York Life Company. In this regard, this communication is strictly intended for individuals residing in the states of CA, CO, FL, IL, IN, IA, MI, NC and OH. No offers may be made or accepted from any resident outside the specific states referenced.

Salem Financial Group is not owned or operated by NYLIFE Securities LLC or its affiliates.

Kate L. Kelley 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 OH, MI, MD, NY, FL, AZ, IN, and AK. No insurance business may be conducted outside the specific states referenced.

Kate L. Kelley is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of OH, MI, MD, AZ, IL, and IN. As such, these services are strictly intended for individuals residing in said states.

Kate L. Kelley is a Registered Representative of and offers securities products and services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency and a New York Life company. In this regard, this communication is strictly intended for individuals residing in the states of OH, MI, MD, AZ, IL, and IN. No offers may be made or accepted from any resident outside the specific states referenced.

Matthew "Jay" Hanson 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 AK, AZ, IN, MI, MN, NC, NE, OH, OK, and WA. No insurance business may be conducted outside the specific states referenced.

Matthew "Jay" Hanson is a Registered Representative of and offers securities products and services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency and a New York Life company. In this regard, this communication is strictly intended for individuals residing in the states of AK, AZ, IN, MI, NC, NE, OH, and WA. No offers may be made or accepted from any resident outside the specific states referenced.