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Paul I. Franklin, Douglas L. Robbins, Judy Balloff and Devinder (Raj) Sidhu are agents collectively 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 Alabama, Alaska, Arizona, California (P. Franklin CA Insurance License # 0H50719) (Judy Balloff CA Insurance License # OM26613), Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky , Louisiana, Massachusetts, Maryland, Minnesota Missouri, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, D.C., West Virginia. No insurance business may be conducted outside these state(s) referenced.

Paul Franklin and Judy Balloff are Investment Advisor Representatives collectively offering Investment Advisory services through Eagle Strategies LLC, a Registered Investment Adviser. Licensed in the states of California, Illinois, Indiana, Tennessee, Virginia, Washington, D.C., Maryland, New York and Ohio. Eagle Strategies LLC is a New York Life Company.

Paul I. Franklin, Judy Balloff and Douglas L. Robbins are Registered Representatives of and collectively offer securities products and 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 California, Illinois, Indiana, Kentucky, Tennessee, Virginia, Washington, D.C., Maryland, Minnesota, New York and Ohio, South Carolina.No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities LLC is a New York Life Company.

Paul Franklin is a Member Agent of The Nautilus Group®, a service of New York Life Insurance Company.

Franklin Capital Strategies is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither Franklin Capital Strategies nor The Nautilus Group®, Eagle Strategies LLC or its subsidiaries and affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional regarding your particular situation.