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John M. Howard is an agent licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the state of IN. No insurance business may be conducted outside this state referenced.

John M. Howard is a Registered Representative of and offers securities products & 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 IL & IN. No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities LLC is a New York Life Company.

The Wealth Care Group, LLC is not owned or operated by NYLIFE Securities LLC, or its affiliates.