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Cheryl Gunsell, CLU, CLTC 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 California (CA Insurance License #0B14371) & Nevada. No insurance business may be conducted outside these states referenced.

Cheryl Gunsell, CLU, CLTC is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, 2633 Camino Ramon, Suite # 525, San Ramon, Ca. 94583. In this regard, this communication is strictly intended for individuals residing in the states of California & Nevada. No offers may be made or accepted from any resident outside the specific states referenced.

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

NYLIFE Securities LLC. is a New York Life company.