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Frank J. Feola, CLU, CFP^TM and Frank J. Feola, PHD are agents 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 Ohio,PA,NY,NC,MI,IN,VA,IL,FL,MD, and SC. No insurance business may be conducted outside this/these state(s) referenced.

Frank J. Feola, CLU, CFP^TM and Frank J. Feola, PHD are Registered Representatives of and offer securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency (6956 Spinach Drive, Mentor, OH 44060 440-974-7110). In this regard, this communication is strictly intended for individuals residing in the states of Ohio,PA, and IL. No offers may be made or accepted from any resident outside the specific state(s) referenced. NYLIFE Securities LLC is a New York Life Company.