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Bruce J. Cumby, CLU, ChFC, MSFS 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 states of Pennsylvania, Delaware, New Jersey and New York. No insurance business may be conducted outside these states referenced.

Bruce J. Cumby is a Registered Representatives of and offers 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 states of Pennsylvania, Delaware, New Jersey and New York. No offers may be made or accepted from any resident outside the specific states referenced.

Cumby, Spencer and Associates Financial Group is not owned or operated by NYLIFE Securities LLC or its affiliates.

Bruce J. Cumby, CLU, ChFC is licensed to offer mutual funds and vairable products. Market Watch information is provided for informational purposes an is not cosidered an offering for securities.

*Bruce J. Cumby, CLU, ChFC, is also separately registered as an investment adviser representative ("IAR"), under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of Pennsylvania, New Jersey and New York. As such, these services are strictly intended for individuals residing in these states.