¹Investment Advisory and Financial Planning services offered through Eagle Strategies LLC, A Registered Investment Adviser.

²The 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.

Neither Harding Financial & Insurance nor NYLIFE Securities LLC or any employees, representatives or affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.

^*All financial planning and advisory services are offered through Eagle Strategies LLC, a registered investment adviser. Harding Financial & Insurance is not owned or opperated by Eagle Strategies LLC.

Benjamin A. Harding, Kimberly A. Harding, Robert Doherty, Matt Angel (CA Insurance Lic #0M09970), Delia Brimmer and Christopher Donovan are Agents collectively 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 AK, AZ, CA, CT, DC, FL, GA, IL, MA, MD, ME, MN, NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX, VA, and WI . No insurance business may be conducted outside this/these state(s) referenced.

Benjamin A. Harding, Kimberly A. Harding, Robert Doherty, Matt Angel Delia Brimmer and Christopher Donovan are Registered Representatives of and collectively 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 AK, AZ, CA, CT, DC, FL, GA, IL, MA, MD, ME, MN, NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX, VA, and WI. No offers may be made or accepted from any resident outside the specific state(s) referenced.

¹Benjamin A. Harding, Kimberly A. Harding, Robert Doherty Delia Brimmer and Christopher Donovan are Financial Advisors collectively offering investment advisory services through Eagle Strategies, LLC, A Registered Investment Adviser, collectively in the states of MA, ME, VA, CT, FL, NJ, IL, MN, NH, WI, PA, and NY. As such, these services are strictly intended for individuals residing in the states referenced.

Harding Financial and Insurance is not owned or operated by NYLIFE Securities LLC, Eagle Strategies LLC, or any affiliates.

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