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Julia Hsiao is an agent for New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of California (CA Insurance Lic 0B43293), Massachusetts & New York . No insurance business may be conducted outside these states referenced. Julia Hsiao is a Registered Representative for NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency.  20480 Pacifica Dr.  Suite G   Cupertino, CA 95014 Tel: (408) 863-0306.  In this regard, this communication is strictly intended for individuals residing in the state of California, & Virginia. No offers may be made or accepted from any resident outside the specific states referenced.  Julia Hsiao is registered as an Investment Adviser Representative of Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of California, Nevada & Virginia.  As such, these services are strictly intended for individuals residing in the states referenced.  NYLIFE Securities and Eagle Strategies are New York Life companies. Julia Hsiao Insurance & Financial Services is not owned or operated by New York Life, NYLIFE Securities, Eagle Strategies or any of their affiliates.