Securities and investment advisory services are offered by appropriately licensed and registered associates through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC.  Annuity and insurance products offered through AXA Network, LLC and its subsidiaries.  AXA Advisors and AXA Network do not provide tax or legal advice.  Rubin Goldman and Associates and the Portfolio Strategies Team are not registered investment advisors and are not owned or operated by AXA Advisors or AXA Network. PPG-49385(05/09)