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Juliette Castelli-Kolev (CA Insurance License 0J15763) is an agent for New York Life Insurance Company and may be licensed with various other independent insurance companies in the state of California. No insurance business may be conducted outside of these states referenced.

Juliette Castelli-Kolev is a Registered Representative for NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency. In this regard, this communication is strictly intended for individuals residing in the states of California. No offers may be made or accepted from any resident outside the specific states referenced.

Neither Castelli Financial & Insurance Services,, NYLIFE Securities LLC, nor New York Life  Insurance Company or its subsidiaries and affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional regarding your particular situation.

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