Kevin R. Clapham and Larry Nimbach, and Ashley Vondra are agents licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent insurance companies collectively in the states of CA (Kevin CA insurance license #0M36692, Ashley CA insurance license #0K67418), CO, FL, ID, KS, MI, MT, NJ, NV, OK, SC, TX, VA, WA, and WY. No insurance business may be conducted outside of these states referenced.

Kevin R. Clapham and Larry Nimbach, and Ashley Vondra are Registered Representatives of and offer securities products and services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company (14 Pinehurst Drive, Sheridan, WY 82801-9203, 720- 805-1355) In this regard, this communication is strictly intended for individuals residing in the states they are collectively licensed in: CA, CO, ID, KS, MI, MT, NJ, OK, SC, TX, VA, WA, and WY. No offers may be made or accepted from any resident outside the specific states referenced.

Kevin R. Clapham, and Ashley Vondra are also Financial Advisors 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 CA, CO, ID, KS, MT, OK, SC, TX, WA, and WY. As such, these services are strictly intended for individuals residing in the states referenced.

Momentum Capital Group, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither Momentum Capital Group, 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.