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Robert A. Miller, Lloyd Pomerantz, Matthew N. Pomerantz and Sheldon F. Schiff are agents licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the states of New York, New Jersey, Connecticut and Florida. No insurance business may be conducted outside these states referenced.

Robert A. Miller, Lloyd Pomerantz, Matthew N. Pomerantz and Sheldon F. Schiff 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 is strictly intended for individuals residing in the states of New York, New Jersey, Connecticut and Florida. No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities LLC is New York Life Company.

Miller-Pomerantz Insurance & Financial Services is not owned or operated by NYLIFE Securities LLC, or its affiliates.

Matthew N. Pomerantz is also separately registered as an investment adviser representative ("IAR"), under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of New York, New Jersey, Connecticut, Florida, Illinois and California. As such, these services are strictly intended for individuals residing in New York, New Jersey, Connecticut, Florida, Illinois and California. Eagle Strategies LLC is a New York Life Company.