Solutions

Life Insurance: Life insurance is an effective way to help protect your family's lifestyle and future. Plus the cash value in a whole life insurance policy can be accessed via policy loans to help you supplement your retirement income when your protection needs decrease.* This cash value can also be accessed for other major life events and can play an important part in business succession or charitable giving plans.*

Long-Term Care Insurance: Going through life may require a little help along the way. So if you're planning ahead, long-term care insurance may help protect you or a family member's future plans and help preserve the assets you've worked so hard to build.

Retirement Income: Preparing for retirement is easier with the help of our guaranteed^ lifetime income annuity products. You can select an immediate annuity1 that pays income right away, or a tax-deferred fixed annuity1 that allows you to set aside money until you need it2. Either way, you will be assured a steady, dependable source of income for life.

Investments# - We offer products and services to help you develop a sound, long-term investment strategy. You can choose from over 2,500 mutual funds, including self-directed, tax-deferred Individual Retirement Accounts (IRAs). We also offer products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.

Other Products: We have established relationships with other carriers, and can supply you with information on disability income insurance as well as individual and group health insurance products.3 If we don't offer it, chances are we can assist you.

To learn more about our products and services, please feel free to give me a call or request a free consultation. I'll be happy to answer all your questions.

*Policy loans will accrue interest. Any outstanding loans plus interest will reduce the cash value and death benefit of the policy.

^Guarantees are backed by the claims-paying ability of the issuer.

#Securities products and services are offered through NYLIFE Securities LLC (Member FINRA/SIPC), a Licensed Insurance Agency.

1Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation)

2Early withdrawals may incur charges. In addition to paying income taxes that may be due, distributions from annuities before age 59 1/2 may also be subject to a 10% federal tax penalty.

3Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.

Disclosure

James Reeves 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, CO, FL, GA, IA, ID, IL, IN, ME, MI, MN, NC, NE, NJ, OH, OR, SD, TX, and UT. No insurance business may be conducted outside the states referenced.

James Reeves 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, 2355 E Camelback Rd Ste 750, Phoenix, AZ, 85016, 623-777-1774. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CO, GA, IA, IL, IN, ME, MI, MN, NC, NE, OH, OR, SD, TX, and UT. No offers may be made or accepted from any resident outside the specific states referenced.

James Reeves 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 AZ, CO, GA, IA, ID, IL, IN, ME, MI, MN, NC, NE, NJ, NM, OH, OR, SD, TX, and UT. As such, these services are strictly intended for individuals residing in the states referenced.

AGUA FRIA FINANCIAL GROUP is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither AGUA FRIA FINANCIAL GROUP 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.

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