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Richard Hamner is an agent licensed to sell insurance through New York Life Insurance Company and is licensed with various other independent unaffiliated insurance companies in the states of AL, MS, TX. No insurance business may be conducted outside the specific states referenced.

Richard Hamner is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC. In this regard, this communication is strictly intended for individuals residing in the states of AL and MS. No offers may be made or accepted from any resident outside the specific states referenced.

Hamner Financial Group, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.