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Edward S. Ritchie (CA Insurance License #0G82556) and Richard G. Kelly are collectively, agents 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, CA, CO, CT, MA, MD, ME, NC, NH, NJ, NY, RI, SC, TN, VA and VT. No insurance business may be conducted outside these states referenced.

Edward S. Ritchie and Richard G. Kelly are Registered Representatives of and, collectively, offer securities products & 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 CA, CO, CT, FL, MA, MD, ME, MT, NH, NY, RI, VA and VT. No offers may be made or accepted from any resident outside the specific states referenced.

^*Edward S. Ritchie and Richard G. Kelly are also separately registered as Financial Advisors with Eagle Strategies LLC, a Registered Investment Adviser, offering investment advisory services collectively in the states of MA, NY, CT, FL, MD, VA, NH, RI and VT. As such, these services are strictly intended for individuals residing in the specific states referenced.

Eagle Strategies LLC (Eagle) is an indirect wholly owned subsidiary of New York Life Insurance Company and an SEC-registered investment adviser. Registration with the SEC does not imply a certain level of skill or training. Investment products are not guaranteed and may lose value. No tax or legal advice is provided by Eagle, its IARs or its affiliates.

¹Securities are offered through NYLIFE Securities LLC, member FINRA/SIPC, A Licensed Insurance Agency.

True North Financial Partners, LLC is not owned or operated by Eagle Strategies LLC, a Registered Investment Adviser, or its affiliates.

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