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Michael Davis and Simon Ellis are agents licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of MA, CT, RI and various other states. No offers may be made or accepted from any resident outside the states licensed in. Not licensed in all jurisdictions.

*Michael Davis and Simon Ellis are Registered Representatives of and offer securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency. In this regard, this communication is strictly intended for individuals residing in the states of MA, CT, RI and various other states. No offers may be made or accepted from any resident outside the states licensed in. Not licensed in all jurisdictions.

**Michael Davis and Simon Ellis are also a Financial Advisers with Eagle Strategies LLC, a Registered Investment Adviser, offering investment advisory services in the states of MA, CT, RI and various other states. No offers may be made or accepted from any resident outside the states licensed in. Not licensed in all jurisdictions. Financial planning, wealth management, and investment advisory services are offered through Michael's affiliation with Eagle Strategies LLC as a Financial Adviser.

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

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

Bright Future Financial LLC is not owned or operated by New York Life Ins. Co. or any affiliates.