Leland Hawkes, Licensed Agent with New York Life

Answer 5 questions before buying life insurance at work

Great article and worth a read! I am personally a proponent of taking advantage of workplace benefits as long as they are reasonably priced. That being said, you should always have an independently owned policy outside of work benefits. What happens if you get let go or move to another job or even retire? That coverage is not there anymore. Please reach out for questions or concerns.

nerdwallet.com Before spending your own money on life insurance offered by your employer, investigate the offerings and check out other options.

Would you provide a house cleaner to an employee? Or send them to the spa? There are many perks small businesses can offer to attract and retain a top-notch workforce: https://nyl.co/2LAHxX6.

Read Steve Strauss’ tips on building a successful, more effective brand for your small business: https://nyl.co/2HhJCVm.

5 Signs You Need to Up Your Life Insurance Coverage | Life Happens

As your life changes, your insurance needs change as well. If you've experienced any of these events, it may be time to take another look.

lifehappens.org Depending on the type of life insurance policy you have, you could be covered anywhere between one year and the rest of your life, depending on if you have term or permanent life insurance. But if you’ve had a policy for a while, it might no longer be enough. As your life changes, your insurance n...

Six fun tips for family success.

Education starts at home. So there’s no better place to teach your kids about financial responsibility.

newyorklife.com Six ways you can resolve to teach your kids some key lessons about success while having fun together.

Having options helps put you in control.

Accomplish two goals with one effort? That’s being good at life.

newyorklife.com New York Life Asset Flex can help put you in control of your financial plan. This dual purpose solution will reimburse you for long-term care if you need it, leave a life insurance benefit to your loved ones if you don’t, or both. No matter how you use it, it’s good value! Watch this video to le...

Today was the absolute worst day ever
And don't try to convince me that
There's something good in every day
Because, when you take a closer look,
This world is a pretty evil place.
Even if
Some goodness does shine through once in a while
Satisfaction and happiness don't last.
And it's not true that
It's all in the mind and heart
Because
True happiness can be attained
Only if one's surroundings are good
It's not true that good exists
I'm sure you can agree that
The reality
Creates
My attitude
It's all beyond my control
And you'll never in a million years hear me say
Today was a very good day

Now read it from bottom to top -- perception really is everything!

What do you consider to be basic expenses?

Let's make sure you retirement plan can keep up with your priorities.

newyorklife.com When you hear the term “basic expenses” you may think about: the cost of housing, healthcare, food, and things of that nature. We recently completed a study where we asked retirees and pre-retirees what they define as basic expenses. While housing, food, and healthcare are all on the list – so...

Attract top talent for your small business with a deferred compensation plan – an affordable way to reward your most valued employees: https://nyl.co/2GgVyGa.

Find out what you should be doing to develop a strong culture for your employees and help ensure your company’s future: https://nyl.co/2IIa5jo.

Check out small business expert, Steve Strauss’ tips on how to build a strong brand for your small business!https://nyl.co/2wkLmgf.

Small businesses can offer their employees big perks. Check out some unique examples here: https://nyl.co/2jt8hwp.

Get top talent to work for you by being creative with the benefits you offer: https://nyl.co/2G8YZ1P.

"Good leadership isn't about advancing yourself. It's about advancing your team." ~John C. Maxwell

The difference between a boss and a leader: a boss says, 'Go!' - a leader says, 'Let's go!'
~E. M. Kelly

Read these tips to ensure you hire the best possible candidates for your small business: https://nyl.co/2FgekwM.

"If opportunity doesn't knock build a door."
~Milton Berle

Planning for your children’s future starts early.

Teaching is an important part of parenting. Make sure your kids learn the ins and outs of managing their money.

newyorklife.com Learn how our flexible solutions can help you through each step, from college savings to family protection.

Make your small business a place where your employees are excited to go every day by maximizing your company culture: https://nyl.co/2u9eSVj.

"It is not your customer's job to remember you. It is your obligation and responsibility to make sure they don't have the chance to forget you."
~Patricia Fripp

Being a great Advisor is all about the value that you bring to your clients. That value doesn’t end with what you do as a professional, it extends to the professionals you connect with. I work extremely hard to curate a portfolio of professional, trustworthy and excellent customer service oriented industry leaders to take care of the additional needs that my clients have. Wether it’s a painter, mortgage lender or anything in between I’ve got you covered.

As financial expectations for small businesses remain high, business owners are more optimistic about their children’s future than most parents. Find out more here: https://nyl.co/2G7wkyL.

Manage your debt before it manages you.

Education is the key to success, but nobody told you it won’t come with a hefty price tag. Learn about ways to prepare for it.

newyorklife.com Many first-generation college graduates are feeling burdened by student debt, primarily because they are taking on more of it than their peers.

"Success is the ability to go from failure to failure without losing your enthusiasm."
~Winston Churchill

How would losing an essential employee affect your business? Learn how insurance can help your business stay on its feet: https://nyl.co/2GHXmd8.

"Success is the culmination of failures, mistakes, false starts, confusion, and the determination to keep going anyway."
~Nick Gleason

I hope that everyone had an amazing Memorial Day Weekend!!!

Financial literacy is an important part of your children's education. Give them a head start on the road to success by educating them early:chttps://www.newyorklife.com/articles/perfect-gift-for-kids-or-grandkids.

Losing a top employee can have a big impact on a small business. Did you know that life insurance can fund deferred compensation plans that incentivize employees to stay? https://www.newyorklife.com/learn/business/businesslife/protect-your-business-and-employees/?cmpid=smchrsyq118bl3.

Tax considerations in retirement.

Did you know the amount of tax you owe at retirement depends on your income, your retirement plan, and the timing of your withdrawals? Let’s talk tax considerations in retirement.

newyorklife.com It's about timing, tax-deferred growth, and tax efficiency.

"With every adversity, there is an equal or greater gift. Keep looking for the gift."
~Earl Nightingale

“Today is always the most productive day of your week.”
~Mark Hunter

"When you make loving others the story of your life, there's never a final chapter, because the legacy continues. You lend your light to one person, and he or she shines it on another and another and another." ~Oprah Winfrey

Your business is about more than the bottom line.

Business owners: See how life insurance can protect your family, your business, and your legacy.

newyorklife.com Learn how insurance can protect your business and employees with a financial cushion that can provide stability and sustainability.