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Marcel R. Frey, CPA,CFP^®,,CLU^®, 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 AZ, LA, NY, TX. No insurance business may be conducted outside these states referenced.

Marcel R. Frey, CPA,CFP^®,CLU^®, is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC Member FINRA/SIPC, a Licensed Insurance Agency, 3200 Southwest Freeway, Ste 1900, Houston, TX 77027 (713) 624-6464. In this regard, this communication is strictly intended for individuals residing in the states of AZ, LA and TX No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities LLC is a New York Life Company.

Marcel R. Frey,CPA,CFP^®,,CLU^®, is also separately registered as an investment adviser representative with Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of AZ, LA, and TX. As such, these services are strictly intended for individuals residing in the specific states referenced. Eagle Strategies LLC is a New York Life Company.

You should consult with your professional advisors for tax, legal, or accounting advice.