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Eric Kalkowski is an agent of and licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the state of CA (CA Insurance Lic # 0G61961). No insurance business may be conducted outside the specific state referenced.

Eric Kalkowski is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency and wholly-owned subsidiary of New York Life Insurance Company. In this regard, this communication is strictly intended for individuals residing in the states of CA and WA. No offers may be made or accepted from any resident outside the specific states referenced.

VINEYARD WEALTH STRATEGIES FINANCIAL & INSURANCE SOLUTIONS is not owned or operated by NYLIFE Securities LLC or its affiliates.

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NYLIFE Securities LLC, Member FINRA/SIPC.

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