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                          Disclosure

                          Thomas Holdsworth is an agent of and 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 AZ, CA (CA Insurance License #4195981), CO, CT, FL, GA, MD, MI, NC, NJ, NY, PA, RI, SC, VA, and VT. No insurance business may be conducted outside the states referenced.

                          Thomas Holdsworth is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 38 Seneca Lake Rd, Sparta, NJ, 07871, 973-729-4299. In this regard, this communication is strictly intended for individuals residing in the state of New Jersey. No offers may be made or accepted from any resident outside the specific state referenced.

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

                          For more information about NYLIFE Securities LLC and its investment professionals.

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