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Joy P. Landicho, ChFC, LUTCF

Retaining Management

Jocelyn Landicho is an agent for New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the state of CA (CA Insurance License #0C53789). No insurance business may be conducted outside this state referenced.

Joy Landicho is also a Registered Representative for 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.

CJL Insurance and Financial Services is not owned or operated by New York Life Insurance Company, NYLIFE Securities LLC, or its affiliates.

For additional information, visit Customer Relationship Summary.pdf

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Joy P. Landicho, ChFC, LUTCF

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Retaining Management