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Jeff Czerwinski (CA Insurance Licence #OC01237), Scott Schultz (CA Insurance Licence #0G83708), Yevgeniy "Scott" Vitebskiy (CA Insurance Licence #0H53230), Darmon Dotson (CA Insurance Licence #0M67852), Jeffrey Blancq CA Insurance Licence #0K53615) and Jasmita "Jessie" Patel (CA Ins. Lic. #0F29979) are agents licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the state of California. No insurance business may be conducted outside the specific state referenced.

Jeff Czerwinski, Scott Schultz, Yevgeniy "Scott" Vitebskiy, Darmon Dotson, Jeffrey Blancq and Jasmita "Jessie" Patel are Registered Representatives of and offer securities products and services through NYLIFE Securities LLC, Member FINRA/SIPC, a registered broker-dealer and a licensed insurance agency. 43920 Margarita Rd., Ste. G, Temecula, CA, 92592. 2020 Main St. Irvine, CA 92614. In this regard, this communication is strictly intended for individuals residing in the state of California. No offers may be made or accepted from any resident outside the specific state referenced.

Axiom Financial & Insurance Solutions is not owned or operated by NYLIFE Securities LLC or its affiliates.

^*Jeffrey A. Czerwinski is also separately registered as an investment adviser representatives, under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the state of California. As such, these services are strictly intended for individuals residing in California.