Freda J. Zimmerman, CLU, ChFC is an agent licensed to sell insurance through New York Life Insurance Comany and may be licensed with various other independent unaffiliated insurance companies in the states of Washington, California (CA Insurance License No. 0799554), WA, AZ, HI, MT., NM and OR. No insurance business may be conducted outside these states referenced.

*Freda J. Zimmerman, CLU, ChFC is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency and a New York Life Company. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, OR, UT and WA. No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities LLC is a New York Life Company.

Freda J. Zimmerman & Associates is not owned or operated by NYLIFE Securities LLC or its affiliates.  Neither Freda J. Zimmerman & Associates nor NYLIFE Securities LLC or its affiliates render tax, legal or accounting advice.  Please consult your professional advisors regarding your particular situation before determining any course of action. 

Freda J. Zimmerman, CLU, ChFC is also separately registered as an investment adviser representative under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of AZ, WA, CA, OR and UT. As such, these services are strictly intended for individuals residing in AZ, WA, CA, OR and UT. Eagle Strategies LLC is a New York Life Company.

Freda J. Zimmerman 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.

Neither New York Life Insurance Company, nor its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.