Emma M. Magbitang (CA Ins Lic #0810892), Julius Elmer "Joel" M. Magbitang, CFP®, LUTCF (CA Ins Lic #0D35676) are agents licensed to sell insurance through New York Life and may be collectively licensed with various other independent unaffiliated insurance companies in the state of California and Nevada. No insurance business may be conducted outside these states referenced.

Julius Elmer "Joel" M. Magbitang, CFP®, LUTCF is a Registered Representative of and offers securities products and 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 state of California. No offers may be made or accepted from any resident outside the specific states referenced.

Julius Elmer "Joel' M. Magbitang, CFP®, LUTCF is also separately registered as an investment adviser representative ("IAR") under Eagle Strategies LLC, a Registered Investment Adviser and a New York Life company, offering advisory services in the state of California. As such, these services are strictly intended for individuals residing in state of California.

Magbitang Financial and & Insurance Solutions is not owned nor operated by NYLIFE Securities LLC or its affiliates.