Jolly Luthra 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 NJ, CT, IA, FL, MA, NY, PA. No insurance business may be conducted outside the specific states referenced.

Jolly Luthra 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 NJ, NY, PA. No offers may be made or accepted from any resident outside the specific states referenced. NYLIFE Securities LLC is a New York Life Company.

Luthra Financial LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither Luthra Financial LLC, its staff nor New York Life Ins. Co. or its agents or affiliates proved tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions.