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L Lynn Smith and Abby Gross are 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 PA and OH. No insurance business may be conducted outside the specific states referenced.

*L Lynn Smith and Abby Gross are Registered Representatives of and offers 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 PA and OH. No offers may be made or accepted from any resident outside the specific states referenced.

¹Neither New York Life Ins. Co. nor any of its agents or affiliates, nor Beechwoods Financial Solutions or staff provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions.

Beechwoods Financial Solutions is not owned or operated by NYLIFE Securities LLC or its affiliates.

NYLIFE Securities LLC is a New York Life Company.