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Janet B. Spector is an agent licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the states of AL, AZ, CA (CA Ins. Lic.# 0B01703), CO, FL, GA, KY, MA, MD, MI, MO, NC, NY, OH, PA, SC, TX, VA & WA.  No insurance business may be conducted outside of these states.

Janet B. Spector is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency and a New York Life company. 5909 Peachtree Dunwoody Rd Bldg D Suite 1100 Atlanta, GA 30328-8103 (770) 730-2203.  In this regard, this communication is strictly intended for individuals residing in the states of CA, CO, FL, GA, KY, NC, SC, WI, &WA. No offers may be made or accepted from any resident outside of these states. NYLIFE Securities LLC is a New York Life Company.

*Janet B. Spector is also separately registered as an investment adviser representative, under Eagle Strategies LLC, a Registered Investment Adviser and a New York Life company, offering advisory services in the states of CA, CO, FL, GA, KY, NC, OH, SC, WA & WI. As such, these services are strictly intended for individuals residing in these states. Eagle Strategies LLC is a New York Life Company.

Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.