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                                Disclosure

                                Michael Kremer 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 state of Texas. No insurance business may be conducted outside the state referenced.

                                Michael Kremer 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, 777 Main St Ste 3800, Fort Worth, TX, 76102, 682-593-9979. In this regard, this communication is strictly intended for individuals residing in the state of Texas. No offers may be made or accepted from any resident outside the specific state referenced.

                                Michael Kremer 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 state of Texas. As such, these services are strictly intended for individuals residing in the state referenced.

                                THERAWEALTH, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

                                Neither THERAWEALTH, LLC nor its associates are in the business of offering 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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                                • About
                                  • My Background
                                    • About Eagle Strategies
                                      • FAQs
                                      • TheraWealth Planning Services
                                        • Comprehensive Financial Health Analysis
                                          • Retirement Plans
                                            • Investment Plans
                                              • Debt Management and Wealth Building
                                                • Income Protection Plans
                                                  • Employee Benefit Plans
                                                  • TheraWealth Product Solutions
                                                    • Client Access
                                                      • Financial Wellness Snapshot
                                                        • Managed Investments Access
                                                          • Insurance Access
                                                            • New York Life Investments
                                                            • Community Support
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