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Ryan Clark Southwick (CA Insurance Lic. # 0179762) and Danielle Niderost  (CA Insurance Lic. # 0K19831) are agents licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent insurance companies in the states of CA, TX, and MA. No insurance business may be conducted outside of these states referenced.

Ryan Clark Southwick and Danielle Marie Niderost are Registered Representatives of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency. 2 North Lake Ave Suite 1050 Pasadena CA 91101, 818-662-7500. In this regard, this communication is strictly intended for individuals residing collectively in the states of CA, TX, and MA. No offers may be made or accepted from any resident outside the specific states referenced.

Neither Zephyr Financial Strategies & Insurance Solutions and its employees nor New York Life or its subsidiaries and affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional regarding your particular situation.

Ryan Clark Southwick and Danielle Marie Niderost are also separately registered as investment adviser representative with Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of CA and TX. As such, these services are strictly intended for individuals residing in these states.

NYLIFE Securities LLC and Eagle Strategies LLC are New York Life Companies.