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Eric Kalkowski 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 CA (CA Insurance License #0G61961), TX, and UT. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Eric Kalkowski is licensed and authorized to offer insurance in California, but VINEYARD WEALTH STRATEGIES FINANCIAL & INSURANCE SOLUTIONS may not be. For additional information on California licensure status, please click here.

Eric Kalkowski is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 205 E River Park Cir Ste 220, Fresno, CA, 93720, 559-447-3900. In this regard, this communication is strictly intended for individuals residing in the states of CA, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

VINEYARD WEALTH STRATEGIES FINANCIAL & INSURANCE SOLUTIONS is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither VINEYARD WEALTH STRATEGIES FINANCIAL & INSURANCE SOLUTIONS nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

For more information about NYLIFE Securities LLC and its investment professionals.

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