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Darinka Lora-Stepan and Ellis Lora-Arceo are agents of and licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent insurance companies in the states of AK, AL, AZ, CA (Darinka CA Insurance License #4076652), CO, FL, GA, IA, IL, IN, MD, ME, MI, NJ, NV, NY, OH, OR, PA, SC, TN, TX, VA, and WI. No insurance business may be conducted outside of these states referenced.

Darinka Lora-Stepan and Ellis Lora-Arceo are Registered Representatives of and collectively offer securities products and services through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency in the states of AK, AL, AZ, CA, CO, FL, GA, IA, IL, IN, MD, ME, MI, NJ, NY, OH, OR, PA, SC, TN, TX, VA, and WI. No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities is a New York Life Company.

Ellis Lora-Arceo is also separately registered as investment adviser representative ("IAR"), under Eagle Strategies LLC, a Registered Investment Adviser offering advisory services in the states of IL, CA, FL, IN, TN. As such, these services are strictly intended for individuals residing in these states.

The Nautilus Group® is a service of New York Life Insurance Company. Neither The Nautilus Group®, its member agents, nor its staff provide tax, legal, or accounting advice. Clients are urged to seek the advice of their own professional advisors before implementing any planning strategies.

Neither Darinka Lora-Stepan & Associates Financial and Insurance Solutions and its associates nor New York Life or its subsidiaries and affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal or accounting professionals regarding your particular situation.

Darinka Lora-Stepan & Associates Financial and Insurance Solutions is not owned or operated by New York Life Insurance Company or any of its affiliates.

Darinka Lora-Stepan is a Member Agent of the The Nautilus Group®.

Neither SHOOK nor Forbes receives any compensation in exchange for placement on its Top Financial Security Professionals (FSP) rankings, which are determined independently (see methodology). FSP refers to professionals who are properly licensed to sell life insurance and annuities. FSPs may also hold other credentials and licenses which would allow them to offer investments and securities products through those licenses. Ranking algorithm is based on qualitative measures learned through telephone, virtual, and in-person interviews to measure best practices, client retention, industry experience, credentials, review of compliance records, and firm nominations; and quantitative criteria, such as assets under management, sales figures, and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and these professionals rarely have audited performance reports. Individuals must carefully choose the right FSP for their own situation and perform their own due diligence. SHOOK’s research and rankings provide opinions intended to help individuals choose the right FSP and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.