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John C. Keene, MS is 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 California (California insurance license #0M54212), Connecticut, Hawaii, Illinois, Maryland, Nebraska, Nevada, New Jersey, New York, North Carolina, Oregon, and Washington. No insurance business may be conducted outside these states referenced.

John C. Keene, MS is a Registered Representative of and offers 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 California, Connecticut, Hawaii, Illinois, Maryland, Nebraska, Nevada, New Jersey, New York, North Carolina, Oregon, and Washington. No offers may be made or accepted from any resident outside the specific state referenced.

NYLIFE Securities LLC is a New York Life company.

Neither Keene Financial Group and its associates nor New York Life or its subsidiaries and affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal or accounting professionals regarding your particular situation.

Keene Financial Group is not owned or operated by New York Life Insurance Company or any of its affiliates.