Timothy S. Libby is an agent 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 MA, NH, ME, VT, CT, RI, NJ, FL, OH, CA (CA Insurance License #0K73992), WA, TX, and VA. No insurance business may be conducted outside this state referenced.

Timothy S. Libby is a registered representative offering securities products and 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 state of MA, NH, ME, VT, CT, RI, NJ, FL, OH, CA, WA, TX, and VA. No offers may be made or accepted from any resident outside this specific state referenced.

Neither Real Financial Strategies and Solutions, its staff nor New York Life Insurance Company, its agents or affiliates provide 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.

Real Financial Strategies and Solutions, LLC is not owned or operated by Eagle Strategies LLC or any affiliates.