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Lourdes Calas 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 Florida. No insurance business may be conducted outside the specific states referenced.

*Lourdes Calas is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC. In this regard, this communication is strictly intended for individuals residing in the states of Florida. No offers may be made or accepted from any resident outside the specific states referenced.

NYLIFE Securities LLC is a New York Life co.

Ciga Solutions is not owned or operated by NYLIFE Securities LLC or its affiliates. Neither Ciga Solutions, NYLIFE Securities LLC and its affiliates, nor its representatives, provides tax, legal, or accountingn advice. Please consult your own tax, legal, or accounting professional before many any decisions.