JEFF RAY  I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions. Jeff Ray,Agent, New York Life Insurance CompanyRegistered Representative for NYLIFE Securities LLC(Member FINRA/SIPC), A licensed Insurance Agency 3200 Cherry Creek South Drive Suite 700 Denver, CO 80209 o: 303-427-5194 m: 732-447-3010  
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