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James R. Vandre and Julie Owens are agents collectively licensed to sell insurance through New York Life Insurance Comany and may be licensed with various other independent unaffiliated insurance companies in the states of Ohio, Indiana, Michigan, Florida. No insurance business may be conducted outside these states referenced.

James R. Vandre and Julie Owens are Registered Representatives and collectively offer securities products & services through NYLIFE Securities LLC 804 West 5th Street, Marysville, OH 43040 Member FINRA/SIPC, a licensed insurance agency. In this regard, this communication is strictly intended for individuals residing in the state of Ohio, Indiana, Michigan, Florida.
No offers may be made or accepted from any resident outside the specific states referenced.

**James R. Vandre  is also separately registered as an investment adviser representative with Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of Ohio, Indiana, Michigan, Florida. As such, these services are strictly intended for individuals residing in the specific states referenced.

Julie Owens is licensed to offer mutual funds and variable products.  Market Watch information is provided for informational purposes and is not considered an offering of securities.