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Daniel P. Torres Financial & Insurance Services is not owned or operated by New York Life Insurance Company, NYLIFE Securities LLC or its affiliates.

Dan Torres 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 Lic. # 0G66370). No insurance business may be conducted outside this state referenced.

*Dan Torres is a Registered Representative for NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency and New York Life company at 3255 March Lane Stockton CA 95219 (209) 955-2400. In this regard, this communication is strictly intended for individuals residing in the state of CA. No offers may be made or accepted from any resident outside the specific state referenced.

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NYLIFE Securities LLC, Member FINRA/SIPC.

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