New York Life

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/graphics/square_flag.jpg" width="169" height="169" border="0"> </td> <td> <img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" border="0"></td> <td align="left" valign="middle" width="99%"> <span style="font: 13.5pt bold Arial, Helvetica, sans-serif;"> Michael J. Reid, CLU®, ChFC®, CLTC </span> <br> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>Celebrating 37years of service to my Clients!</b> <br> <br>4617 N. Prospect Road, Suite 26 <br>Peoria Heights, IL 61616-6484 <br>Phone: 309-682-9383 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email: <br> <a href="mailto:mreid@ft.newyorklife.com"> mreid@ft.newyorklife.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> As with most other things in life, the key to achieving your long-term financial objectives is planning. Your goal may be to fund your children’s college education, protect your family during your working years, or guarantee your own retirement security. These things won’t happen by accident. It’s important to determine what you’d like to achieve financially and then map out a strategy that will help you meet those goals. The good news is that it’s never too late to start. <br> <br> Of course, planning your financial future can be intimidating. Luckily, you don't have to do it alone. As a New York Life insurance agent, and a Registered Representative of NYLIFE Securities LLC, I can help you identify your financial needs and then determine which insurance and financial products can best help you meet your objectives. <br> <br> Please use my Web site as a resource, and do not hesitate to contact me for additional information or to schedule a meeting. Thank you for your interest. <br> <br> <small> Michael J. Reid is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of Arizona,Florida, Illinois, Indiana,Iowa,Texas,Wisconsin. No insurance business may be conducted outside these states referenced.<br> <br> Michael J. Reid is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member <a href="http://www.finra.org" target="_blank">FINRA</a>/<a href="http://www.sipc.org" target="_blank">SIPC</a>, a Licensed Insurance Agency. In this regard, this communication is strictly intended for individuals residing in the states of Illinois,Indiana and Wisconsin. No offers may be made or accepted from any resident outside the specific states referenced. <br> <br> Michael J. Reid is licensed to offer mutual funds and variable products. Market Watch information is provided for informational purposes and is not considered an offering of securities. </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192"> </td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/N/TA11_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td colspan="2" width="192"> </td><td width="14" valign="top" background="/graphics/N/TA11_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1537" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Time to Revisit Risk </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> During volatile financial times, it is only natural to reconsider your own personal risk tolerance and review the role of risk in your portfolio.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1539" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Another Update on the History of the AMT</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The future of the AMT is nothing but uncertain. Therefore, it is important to consider the potential effect of the AMT on your tax liability in the coming years.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1564" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Avoid the Timing Trap</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Market timing is a risky approach that could have a significant effect on a portfolio’s long-term performance. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1592" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Celebrate Life and the Benefits of Insuring It</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> In addition to the protection it can bring, life insurance can also offer some tax benefits.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <div class="flashBrandingElement" style="margin:3px 0 12px 4px;"> <script type="text/javascript"> AC_FL_RunContent('codebase','http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=7,0,19,0','width','215','height','130','src','/graphics/priceless-b','movie','/graphics/priceless-b','quality','high','wmode','transparent','pluginspage','http://www.macromedia.com/go/getflashplayer'); </script> <noscript> <object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="215" height="130"> <param name="movie" value="/graphics/priceless-b.swf" /> <param name="quality" value="high" /> <param name="wmode" value="transparent" /> <embed src="/graphics/priceless-b.swf" wmode="transparent" quality="high" width="215" height="130" /> </object> </noscript> </div> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"><img src="/graphics/spacer.gif" WIDTH="225" HEIGHT="6" border="0"><img src="/graphics/N/TA11_Account_Access_Header.gif" width="225" height="32" border="0" alt="Account Access"></td> </tr> <tr> <td width="14" background="/graphics/N/TA11_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <form name="access_links"> <select name="target_link" onChange="javascript:new_window(document.access_links.target_link.options[document.access_links.target_link.selectedIndex].value,'800','600'); self.document.access_links.target_link.selectedIndex=0"> <option value="null.htm">Choose a site... <option value="https://www.vsc3.newyorklife.com/VSCWebApp/login">Account Summary <option value="https://www.vsc3.newyorklife.com/VSCWebApp/login">Life Insurance and Annuities <option value="https://www.mystreetscape.com/my/NYLIFEsecurities">NYLIFE Securities <option value="http://www.nylim.com/mainstayfunds">MainStay Mutual Funds <option value="http://www.nylim.com/retirement">NYLIM Retirement Services <option value="http://www.upromise.com/newyorklife">Upromise </select> </form> </td> </tr> <tr> <td colspan="2" width="225" height="32" valign="bottom"><img src="/graphics/spacer.gif" WIDTH="225" HEIGHT="6" border="0"><img src="/graphics/N/TA11_Personal_Folders_Header.gif" width="225" height="32" border="0" alt="Personal Folders"></td> </tr> <tr> <td width="14" background="/graphics/N/TA11_r2_c6.gif"> </td> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="2"><a href="http://www.newyorklife.com/cda/0,3254,11266,00.html" onclick="javascript:infobox('http://www.newyorklife.com/cda/0,3254,11266,00.html','800','600'); return false;" target="_blank"><font color="#000000">Log in or create</font></a> a Personal Folder</font> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/N/TA11_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/N/TA11_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/N/TA11_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="http://www.newyorklife.com/cda/0,,15011,00.html" target="mondo" onclick="javascript:infobox('contentdisclaimer.html','380','300')"> <img src="/graphics/N/TA11_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/N/TA11_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/N/TA11_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/N/TA11_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/N/TA11_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> <tr><td colspan="3"><br><font face="Arial, Helvetica, sans-serif" size="1"><div align="center"> <br>Securities offered by properly licensed registered representatives of NYLIFE Securities LLC (member <a href="http://www.finra.org" target="_blank">FINRA</a>/<a href="http://www.sipc.org" target="_blank">SIPC</a>). <br><a href="http://www.mikereid.com/files/NYLAgentdisclaimer.htm" TARGET="_blank"> Copyright 2010. New York Life Insurance Company. All Rights Reserved.</a> <br><a href="http://www.mikereid.com/files/NYLAgentPrivacyPolicy.htm" TARGET="_blank">Privacy Policy</a> </div></font></td></tr></table></div></body></html>