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Kevin L. Payne and Joshua D. Payne are agents licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies.

Angie D. Payne is an agent licensed to sell insurance through AVMA LIFE and may be licensed with various other independent unaffiliated insurance companies. *AVMA LIFE is not owned, operated or affiliated with New York Life Insurance Company.

Kevin L. Payne and Joshua D. Payne are Registered Representatives of and offers securities products & services through NYLIFE Securities LLC, 116 E. 7th Lyndon, KS 66451 Member FINRA/SIPC, A Licensed Insurance Agency. In this regard, this communication is strictly intended for individuals residing in the state of KS. No offers may be made or accepted from any resident outside the specific state referenced.

Kevin L. Payne 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 state(s)s of KS. As such, these services are strictly intended for individuals residing in KS.

Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

Kevin L. Payne 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.

Payne Financial Strategies is not owned or operated by NYLIFE Securities LLC or its affiliates.

NYLIFE Securities LLC and Eagle Strategies LLC are New York Life Companies.

MDRT is recognized throughout the industry as the standard of excellence in life insurance sales performance.

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NYLIFE Securities LLC, Member FINRA/SIPC.

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