COSIO FINANCIAL SERVICES, INC.
MIAMI, FLORIDA

Lillian J. Cosio 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 in the states of Arizona, Florida and New York. No insurance business may be conducted outside this/these states referenced. Lillian J. Cosio is a Registered Representative offering securities products & services through NYLIFE Securities LLC, Member Lillian J. Cosio 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 in the states of Arizona, Florida and New York. No insurance business may be conducted outside this/these states referenced. Lillian J. Cosio is a Registered Representative offering securities products & services through NYLIFE Securities LLC, Member In the normal course of business we collect: Data about your transactions (such as the products you purchase and your account status); Health information collected with your permission when you apply for products like life insurance or long-term care insurance. New York Life may share the information we collect about you as allowed by law, including for normal business administration and related business services. The information may be shared: With non-affiliates, such as banks, third parties that perform research and marketing functions for us or service providers that help us process transaction or service your accounts. Our service providers may include New York Life agents, billing, printing and mail service companies. If you are an investment advisory services customer, we may share your information with third parties who help us service your investment and financial planning needs. Within the New York Life Family of Companies to let you know about our products and services. The information we share may include household and financial data. With non-affiliated companies with which we have joint agreements, such as banks, credit card issuers and online services, to offer you their products and services. The information we share may include name, address and information about your transactions with us. With your agent and his or her new company if your agent leaves the New York Life Family of Companies. We may share your name, address and information about your New York Life products so that your agent can continue to service your needs. The choice you make will apply to all the products your purchased from the New York Life Family of Companies. If one joint owner tells us not to share information, that choice will also apply to the other owner(s). Today's financial and investment climate offers unprecedented opportunities. At Cosio Financial Services, our mission is to help clients take advantage of those opportunities by providing them with three key tools: 3. Ongoing advice to help adjust their roadmap when their needs change Our services cover all areas of financial management, from investment and retirement planning to risk management and estate conservation. We specialize in helping our clients develop a comprehensive, cohesive financial strategy that fits their unique needs and enables them to meet both short-and long-term objectives. On our Web site, you'll find valuable information for evaluating concepts and highlight products designed to fill the gaps in your financial strategy. You'll also find calculators that will help you assess your current and future needs. For help with your financial management, or for more information on Cosio Financial Services, please contact us today. Lillian J. Cosio 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 in the states of Arizona, Florida and New York. No insurance business may be conducted outside this/these states referenced. Lillian J. Cosio is a Registered Representative offering securities products & services through NYLIFE Securities LLC, Member Lillian J. Cosio 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 in the states of Arizona, Florida and New York. No insurance business may be conducted outside this/these states referenced. Lillian J. Cosio is a Registered Representative offering securities products & services through NYLIFE Securities LLC, Member