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Christopher Cloutier and Toni LiTrenta are agents licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent insurance companies in the states of MA. No insurance business may be conducted outside of these states referenced.

Neither Retiree Financial and Insurance Services nor New York Life or its subsidiaries and affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional regarding your particular situation.

^*Christopher Cloutier is a Financial Advisor offering investment advisory services through Eagle Strategies, LLC, A Registered Investment Adviser, in the states of MA. As such, these services are strictly intended for individuals residing in the states referenced.

Christopher Cloutier and Toni LiTrenta are Registered Representatives of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC. In this regard, this communication is strictly intended for individuals residing in the states of MA. No offers may be made or accepted from any resident outside the specific states referenced.

Eagle Strategies LLC & NYLIFE Securities LLC are New York Life Companies.