Cumby, Spencer & Associates Financial Group

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Bruce Cumby is an agent 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 CO, DE, FL, GA, MA, MD, NC, NJ, NY, OR, PA, SC, and TX. No insurance business may be conducted outside the states referenced.

Bruce Cumby is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 3732 W Chester Pike, Newtown Square, PA, 19073, 484-427-7066. In this regard, this communication is strictly intended for individuals residing in the states of CO, DE, FL, GA, MA, MD, NC, NJ, NY, OR, PA, and SC. No offers may be made or accepted from any resident outside the specific states referenced.

Bruce Cumby is also a Financial Adviser 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 CO, DE, FL, GA, MA, MD, NC, NJ, NY, OR, PA, and SC. As such, these services are strictly intended for individuals residing in the states referenced.

Bruce Cumby is a Member Agent of The Nautilus Group®, a service of New York Life Insurance Company.

Michael Hennessy Jr is an agent 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 CO, DE, FL, GA, MD, MI, NC, NJ, OR, PA, and SC. No insurance business may be conducted outside the states referenced.

Michael Hennessy Jr is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, Po Box 451, 3732 West Chester Pike, Newtown Square, PA, 19073. In this regard, this communication is strictly intended for individuals residing in the states of CA, CO, DE, FL, GA, MA, MD, MI, NC, NJ, NY, OR, PA, and SC. No offers may be made or accepted from any resident outside the specific states referenced.

Michael Hennessy Jr is also a Financial Adviser 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, DE, FL, GA, MA, MD, MI, NC, NJ, NY, OR, PA, and SC. As such, these services are strictly intended for individuals residing in the states referenced.

Cumby, Spencer & Associates is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither Cumby, Spencer & Associates 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.

For more information about NYLIFE Securities LLC and its investment professionals.

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