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                                Disclosure

                                Dmitriy Khalilov 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 GA, IA, MN, NC, NJ, NY, OH, PA, SC, TX, and VT. No insurance business may be conducted outside the states referenced.

                                Dmitriy Khalilov 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, 1 World Trade Ctr # 285, Street 39th Floor, New York, NY, 10007, 212-261-0200. In this regard, this communication is strictly intended for individuals residing in the states of MN, NJ, NY, and VT. No offers may be made or accepted from any resident outside the specific states referenced.

                                Neither New York Life Insurance Company nor its agents or affiliates provide 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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                                                            • Macro Asset Perspective
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