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James Kramer 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 AL, CO, FL, IL, NC, NV, OR, and WA. No insurance business may be conducted outside the states referenced.

James Kramer 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, 370 Interlocken Blvd Ste 600, Broomfield, CO, 80021, 303-941-8607. In this regard, this communication is strictly intended for individuals residing in the states of AL, CO, FL, IL, MN, MT, NV, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

James Kramer 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, CO, FL, IL, MN, MT, NV, and WA. As such, these services are strictly intended for individuals residing in the states referenced.

The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals^®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

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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