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Licensing

We are licensed to sell Insurance in the following states:

California, Colorado, Connecticut, Delaware, Florida, Massachusetts, Michigan, New Jersey, New York, Pennsylvania, Virginia.

We are licensed to sell Securities in the following states:

California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Massachusetts, Maryland, Michigan, New Hampshire, New Jersey, New York, Pennsylvania, and Virginia.

This communication is strictly intended for individuals residing in the above listed States. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services.

— John Jay Higgins, CA Lic. # 0E10819, domiciled in NJ, principal office in NJ

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