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Richard Ragus is an agent for New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CA (CA Insurance License LD0471772). No insurance business may be conducted outside these states referenced.

Richard Ragus is a Registered Representative for 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.  No offers may be made or accepted from any resident outside the specific state referenced.

NYLIFE Securities LLC is a New York Life Company.