Xin Wang, Ph.D., CFP®, AEP® is an agent licensed to sell insurance through New York Life and licensed with various other independent unaffiliated insurance companies in the states of AR (AR Insurance Lic # 8054824), AZ, CA (CA Insurance Lic. # 0I26728), CT, MD, MN, MO, NV, NY, TX and VA. No insurance business may be conducted outside these states referenced.

Xin Wang, Ph.D., CFP®, AEP® is a Registered Representative of and offers securities products and services through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency and a New York Life company. In this regard, this communication is strictly intended for individuals residing in the states of AR, CA, MD, NV, OH, TX and VA. No offers may be made or accepted from any resident outside the specific states referenced.

Xin Wang, Ph.D., CFP®, AEP® is also separately registered as an investment adviser representative("IAR"), under Eagle Strategies LLC, a Registered Investment Adviser and a New York Life company, offering advisory services in the state of Texas. As such, these services are strictly intended for individuals residing in TX.

Abacus Financial Strategies LLC is not owned or operated by NYLIFE Securities LLC, or its affiliates.