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James R. Zent, CLU®, ChFC®, RHU® and Brad Zent are agents collectively 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 AZ, FL, KY, MI, OH., CA (CA Insurance License 0623834). No insurance business may be conducted outside these states referenced.

*  James R. Zent, CLU®, ChFC®, RHU® and Brad Zent are Registered Representatives and collectively 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 AZ, CA, FL, KY, OH, VA.  No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities LLC is a New York Life Company.

J. R. Zent & Associates, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

**  James R. Zent, CLU®, ChFC®, RHU® Individual is also separately registered as an investment adviser representative under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of AR,AZ, CA, Pinellas County, FL, IN, KY, OH, TN, VA. As such, these services are strictly intended for individuals residing in AR, AZ, CA, FL, KY, OH, TN, VA. Eagle Strategies LLC is a New York Life Company.

Neither J.R. Zent & Associates LLC, its employees nor NYLIFE Securities LLC or its subsidiaries render tax, legal or accounting advice.  Please consult your professional advisor regarding your particular situation.

Brad Zent  is licensed to offer mutual funds and variable products.  Market Watch information is provided for informational purposes and is not considered an offering of securities.