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Joe Lau 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  License # 0794944), Arizona and Colorado.

Joe Lau is a Registered Representative for NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency (Tucson General Office  One S. Church Avenue, Suite 1230Tucson, AZ  85701).   In this regard, this communication is strictly intended for individuals residing in the states of California, Arizona and Colorado.  No offers may be made or accepted from any resident outside the specific states referenced.

Joe Lau is also separately registered as an investment adviser representative with Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of CA, and AZ. As such, these services are strictly intended for individuals residing in the specific states referenced.

NYLIFE Securities LLC and Eagle Strategies LLC are New York Life companies.