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John L. Howard Jr. is an agent licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the states of MA, NH, and ME. No insurance business may be conducted outside this states referenced.

John L. Howard Jr. is a Registered Representative of and offers securities products and 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 MA, and NH. No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities LLC is a New York Life Company.

John L. Howard is separately licensed as an investment adviser representative with Eagle Strategies LLC, A Registered Investment Adviser, offering investment advisory services in the states of MA, and NH. As such, these services are strictly intended for residents of these states only. Eagle Strategies LLC is a New York Life Company.