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Chaim David Neuman is an agent licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the states of New York, New Jersey, Florida and Maryland. No insurance business may be conducted outside these states referenced.

"Chaim David Neuman" is a Registered Representative and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed Insurance Agency and a New York Life Company. In this regard, this communication is strictly intended for individuals residing in the states of New York, New Jersey, Florida, and Maryland. No offers may be made or accepted from any resident outside the specific states referenced.

*Neither FNR Financial Strategies INC, its employees nor New York Life provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

"FNR Financial Strategies INC" is not owned or operated by NYLIFE Securities LLC, or its affiliates.