CJL Insurance and Financial Services

CJL Insurance and Financial Services We provide quality financial strategies, and offers insurance and financial services, and employee benefits to businesses and individuals. Lic # 216063.

Joy Landicho, ChFC, LUTCF 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 California and Nevada. My insurance license numbers are:
CA Ins. Lic # 0C53789, and NV Ins. Additionally, Joy Landicho is a Registered Representative of and offers securities products & services

through NYLIFE Securities LLC, (Member FINRA/SIPC), A Licensed Insurance Agency, 39650 Liberty Street, Suite 200, Fremont, CA. In this regard, this communication is strictly intended for individuals residing in the states of California. No offers may be made or accepted from any resident outside the specific state(s) referenced. Neither CJL Insurance and Financial Services nor New York Life Insurance Company, or its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. CJL Insurance and Financial Services is not owned or operated by New York Life Insurance Company or its affiliates.

06/01/2026
Looking for a little more certainty with your money?Check out this guaranteed interest rate. Contact me today!
06/01/2026

Looking for a little more certainty with your money?
Check out this guaranteed interest rate.
Contact me today!

Debt relief can feel like the answer when bills are piling up, but it comes with a cost. Depending on the route you take...
05/28/2026

Debt relief can feel like the answer when bills are piling up, but it comes with a cost. Depending on the route you take, your credit score could drop significantly. This article from CNBC breaks down what each option actually does to your credit and how long the damage lasts:

https://cnb.cx/4vfuK27

Do you know someone who would like to work with a Financial Professional on their financial goals? I'd love to connect and talk through how I can support them.


The article is provided for informational purposes only. Any actions you take regarding debt repayment and credit cards are made at your own discretion. Paying off debt, opening or closing credit cards, or changing your credit utilization may impact your credit score and profile. There is no guarantee of specific outcomes related to credit score changes.

This Memorial Day, we pause to remember and honor the men and women who gave their lives in service to our country.We ar...
05/25/2026

This Memorial Day, we pause to remember and honor the men and women who gave their lives in service to our country.
We are grateful for their sacrifice and hold their families in our thoughts today.

Address

39650 Libertry Street, Suite 200
Fremont, CA
94538

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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