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                        Disclosure

                        Muriel Harris is an agent 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 AL, CA (CA Insurance License #0L67908), DC, FL, GA, IL, KY, MA, MI, NC, NM, NV, OH, OK, OR, TN, TX, VA, and WV. No insurance business may be conducted outside the states referenced.

                        Muriel Harris 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, American Center Building Franklin Road Ste 27777, Southfield, MI, 48034, 248-357-7244. In this regard, this communication is strictly intended for individuals residing in the states of AL, CA, IL, MI, NC, OH, OK, OR, TX, and VA. No offers may be made or accepted from any resident outside the specific states referenced.

                        *Muriel Harris is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AL, CA, IL, MI, NC, OH, OK, OR, and VA. As such, these services are strictly intended for individuals residing in the states referenced.

                        Mardi Woods is an agent 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 AL, CA (CA Insurance License #0M90602), FL, AL, AR, AZ, CA, DC, GA, IL, MD, MI, NC, NJ, NV, OH, OK, PA, RI, SC, TX and VA. No insurance business may be conducted outside the states referenced.

                        As a New York Life Agent, Mardi Woods is licensed and authorized to offer insurance in California, but The Good Steward Insurance and Retirement Services, LLC may not be. For additional information on California licensure status, please click here.

                        The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

                        The Good Steward Insurance and Retirement Services, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

                        Neither The Good Steward Insurance and Retirement Services, LLC nor its associates are in the business of offering 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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