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Richard J. Ernst 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 NY, NJ, CT, PA, FL, GA, SC, NC, MD, OH, AZ and CA (CA Insurance License #OB62149). No insurance business may be conducted outside the state/states-referenced.

Richard J. Ernst is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC.  Member FINRA/SIPC, a registered broker-dealer and a licensed insurance agency, 58 Maybrook Road,Campbell Hall, NY 10916-2713, (888)454-1099. . In this regard, this communication is strictly intended for individuals residing in the states of NY, NJ, CT, PA, FL, NC, MD, OH, AZ and CA.  No offers may be made or accepted from any resident outside the specific state/ states referenced.

Richard J. Ernst is separately registered as an investment advisor representative with Eagle Strategies LLC, a Registered Investment Advisor, offering advisory services in hte states of NY, NJ, PA, FL, NC and MD.  These services are intended for residence of the states referenced.