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                  Disclosure

                  John Wilbanks is an agent of and 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 AZ, CA (CA Insurance License #0C08509), FL, GA, ID, IL, KY, MA, NC, NV, NY, OH, OR, TN, TX, WA, and WI. No insurance business may be conducted outside the states referenced.

                  John Wilbanks 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, 11077 Turret Dr, San Diego, CA, 92131, 858-623-8647. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, IL, KY, NC, NV, OH, and TX. 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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