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Leo Rotman and Dmitry Frenklakh 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 CA (Dmitry Frenklakh CA Insurance License #OM42250), FL, GA, IL, IN, MA, ME, NC, NH, NY, PA. No insurance business may be conducted outside the state referenced.

Leo Rotman and Dmitry Frenklakh are Registered Representatives of and offer securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency. In this regard, this communication is strictly intended for individuals residing in the state of CA, CO, CT, FL, GA, IL, IN, MA, NC, NH, NY, OH, PA, RI, VA, WA. No offers may be made or accepted from any resident outside the specific state referenced.

¹Leo Rotman and Dmitry Frenklakh are also separately registered as investment adviser representatives with Eagle Strategies LLC, A Registered Investment Adviser, offering investment advisory services in the state of CA, CO, CT, FL, GA, IL, MA, NC, NH, NY, OH, RI, VA, WA. As such, these services are strictly intended for individuals residing in the specific state referenced.

Neither New York Life Insurance Company nor its agents or affiliates nor River Financial Group or its staff provide tax, legal or accounting advice. Please consult your own professionals for tax, legal and accounting advice.

Leo Rotman is a member agent of The Nautilus Group, a service of New York Life Insurance Company.

River Financial Group, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.