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Christopher Cloutier 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 CT, FL, GA, MA, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT, and WA. No insurance business may be conducted outside the states referenced.

Christopher Cloutier 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, 129 College St, South Hadley, MA, 01075, 413-535-4400. In this regard, this communication is strictly intended for individuals residing in the states of AL, AR, CA, CT, DC, FL, GA, HI, IL, MA, ME, NC, NH, NY, OR, PA, RI, SC, TX, VA, VT, WA, and WI. No offers may be made or accepted from any resident outside the specific states referenced.

Christopher Cloutier 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 AL, AR, CA, CT, DC, FL, GA, HI, IL, MA, ME, NC, NH, NY, OR, PA, RI, SC, TX, VA, VT, WA, and WI. As such, these services are strictly intended for individuals residing in the states referenced.

RETIREE FINANCIAL & INSURANCE SERVICES is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither RETIREE FINANCIAL & INSURANCE SERVICES 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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