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M. Daniel Howell is an agent licensed to sell insurance through New York Life Insurance Company and also licensed with various other independent unaffiliated insurance companies in the states of Colorado, California #0C07960, Maryland, Oregon, Tennessee, Texas, Washington. No insurance business may be conducted outside these states referenced.

M. Daniel Howell is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency and wholly owned subsidiary of New York Life. In this regard, this communication is strictly intended for individuals residing in the states of California, Colorado, Oregon, Tennessee, Texas, Washington. No offers may be made or accepted from any resident outside the specific states referenced.

Sam Benefield is an agent licensed to sell insurance through New York Life Insurance Company and also licensed with various other independent unaffiliated insurance companies in the states of Texas Florida and Gerogia. No insurance business may be conducted outside these states referenced.

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

>Neither Howell Financial Group its employees nor NYLIFE Securities or its representatives render tax, legal or accounting advice. Please consult your professional advisors regarding your particular situation.

M. Daniel Howell is licensed to offer mutual funds and variable products. Market Watch information is provided for informational purposes and is not considered an offering of services.