We strive to be the catalysts helping you attain financial peace of mind through a client-centric, needs-driven process. We listen, understand and create solutions, delivering professional wealth management strategies, personalized to your circumstances. ------ Edward S. Ritchie (CA Insurance License #0G82556), Scott L. Fontaine, Richard G. Kelly, Veronique A. Sylvia and Robert W. Abendroth (CA Insurance License #0K49880) are collectively, agents 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 FL, CA, CO, CT, DE, MA, MD, ME, NC, NH, NJ, NY, RI, SC, TN, VA and VT. No insurance business may be conducted outside these states referenced. Edward S. Ritchie, Scott L. Fontaine, Richard G. Kelly, Veronique A. Sylvia and Robert W. Abendroth 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 CA, CO, CT, FL, MA, MD, ME, MT, NH, NJ, NY, PA, RI, VA and VT. No offers may be made or accepted from any resident outside the specific states referenced. *Edward S. Ritchie, Scott L. Fontaine, Richard G. Kelly and Robert W. Abendroth are also separately registered as investment adviser representatives with Eagle Strategies LLC, a Registered Investment Adviser, offering investment advisory services collectively in the states of MA, NY, CT, FL, MD, VA, NH, RI and VT. As such, these services are strictly intended for individuals residing in the specific states referenced. 1Securities are offered through NYLIFE Securities LLC, member FINRA/SIPC, A Licensed Insurance Agency. True North Financial Partners, LLC is not owned or operated by Eagle Strategies LLC, a Registered Investment Adviser, or its affiliates. Neither New York Life Insurance Company, nor its agents or affiliates, or True North Financial Partners LLC nor its employees or agents provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.