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Joseph D Kruse, Tyler J Kruse, and Zachary Starostka 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 AR, AK, AZ, CA, CO, FL, IA, ID, IL, KS, LA, MI, MN, MO, NC, NE, OH, OK, SD, TN, and TX. (Joseph Kruse CA Insurance License # 0E46228) (Tyler Kruse CA Insurance License # 4050560). (Joseph Kruse AR Insurance License # 228917). No insurance business may be conducted outside the specific states referenced. Joe Kruse is a Member Agent of the Nautilus Group, a service of New York Life Insurance Company.

Joseph Kruse, Tyler Kruse, and Zachary Starostka are collectively Registered Representatives of and offer securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency. 5101 S. Nevada Avenue, Suite 200, Sioux Falls, SD 57108, 605-373-1400.  In this regard, this communication is strictly intended for individuals residing in the states of AK, AR, AZ, CA, CO, DE, FL, IA, ID, IL, KS, LA, MI, MN, MO, NC, NE, NV, OR, SC, SD, TN and TX.  No offers may be made or accepted from any resident outside the specific states referenced.

Joseph Kruse and Tyler Kruse are also collectively registered as an Investment Adviser Representatives, under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of AK, AR, AZ, CA, CO, FL, IA, ID, IL, KS, LA, MI, MN, MO, NC, NE, NV, OR, SC, SD, TN, and TX.  As such, these services are strictly intended for individuals residing in AK, AR, AZ, CA, CO, FL, IA, ID, IL, KS, LA, MI, MN, MO, NC, NE, NV, OR, SC, SD, TN and TX.

Kruse Financial Group is not owned or operated by NYLIFE Securities LLC or its affiliates.

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