Barbara Fields-Wayne, Financial Services Professional Nylife Securities LLC

Will Social Security run out? The short answer is “yes”. If Congress doesn't make changes to Social Security by 2035, your benefits may be reduced. Here’s what you need to know about the status of Social Security now, how it may affect your retirement, and what you can do about it.

https://yhoo.it/3L0JT1K

If you have additional questions about reaching your retirement goals, please feel free to contact me.

Time to get your debt under control. Managing your debt can be a real challenge. Debt consolidation is one effective way to wrangle your debt and there may be other options available, depending on your circumstances. This article has everything you need to know about debt consolidation, some alternatives, and how to get started.

https://money.usnews.com/loans/personal-loans/articles/what-is-debt-consolidation-and-how-to-do-it

If you have any additional questions about debt and taking control of your finances, please contact me.

When it comes to retirement, how do people really feel? Do they want to retire early, later, or not at all? Find some interesting answers in this 2023 Harris Poll survey asking thousands of Americans how they feel about their retirement:
https://bit.ly/3TUeIcu
Do you have more retirement questions? Please reach out to me. New York Life Insurance company and its employees do not provide tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances. "

Survey: Some Americans who plan to retire say they’ll leave the workforce early - NerdWallet Most Americans plan to retire, and those who do plan to retire expect to quit full-time work at age 57, on average, a new NerdWallet survey finds.

Before you file this year’s taxes, read this article from US News to find out if your student loans could have an impact that changes your return: And if you have any more questions, feel free to reach out.

is not only about paying tribute to past generations, but also building a better future for yourself and the ones you love. Together, let's build a strategy that can help you create, protect, and maintain wealth for generations to come.

Life Insurance for the African American Community | New York Life Build a strong financial future for yourself and your family with New York Life. We're proud to serve the African American community with life insurance and other financial products.

This month we pay tribute to the generations of Black Americans who struggled with adversity and celebrate the numerous contributions and achievements of the Black community throughout our history.

A little work now can make the 2023 tax season one of the easiest yet.

5 Tax Moves to Consider Before Year-End - NerdWallet A few last-minute moves — like tax-loss harvesting and boosting contributions to your retirement plan — could make a big difference come April.

You can give a lasting gift this holiday. Learn why life insurance might be perfect for your children or grandchildren.

Gifting Life Insurance for Grandchildren | New York Life Life insurance can be a great gift to show your children and grandchildren just how much they mean to you. Learn more about gifting life insurance to grandkids.

Give children more than just toys this holiday season—give them a head start on a lifetime of financial security with life insurance. Click here to learn more about this unique gifting opportunity and reach out if you have any questions.

Gifting Life Insurance for Grandchildren | New York Life Life insurance can be a great gift to show your children and grandchildren just how much they mean to you. Learn more about gifting life insurance to grandkids.

Are you considering buying a new home? Here are 10 tips to help you counter rising interest rates:

Buying a home amid higher mortgage rates. New York Life guides you through buying a home during higher mortgage rates and inflation.

Whether you're stuffing a turkey at home or stuffing your bags for some holiday travel, family is what makes it all worthwhile. From my family to yours, happy !

Whether you're caring for children, parents, siblings, and/or grandparents, the holidays are the perfect time to have important financial discussions with your family. Read these tips and let's explore your options together.

Family Finance Management | New York Life Learn more about the importance of talking to your family about inheritance, guardianship and living wills.

Get ahead of rising APRs on your credit card(s) before it's too late with some helpful advice from Kiplinger.

What Is an APR? Even for those who pay off their credit card balances every month, knowing your APR is part of keeping good credit habits.

Passing on financial security to loved ones is important to African American families*. I can help you start these important discussions about inheritance with family members and we can work together to develop a strategy towards your best financial future.
*Source: New York Life Consumer Needs and Motivation Study, 2019

Family Finance Management | New York Life Learn more about the importance of talking to your family about inheritance, guardianship and living wills.

New York Life provides educational resources to help families avoid long-term debt. Let’s work together to develop strategies to avoid further debt, build savings and reach your financial goals.

6 tips to avoid long-term debt | New York Life Strategize your savings to avoid long-term debt. Learn the steps you need to take to build out a savings plan to keep your head above the water.

Worried about inflation hindering your dream retirement? Check out these tips from New York Life to help you keep everything on track. If you have more questions, I'm here to help you reach your financial goals.

Retirement budgeting—Manage retirement spending | New York Life Have you developed a retirement withdrawal strategy or spending plan? Learn about retirement budgeting from New York Life and ensure that your savings last.

What kind of legacy do you want to leave?

Only 1 in 4 affluent women are confident in making financial decisions on their own. Contact me for guidance on developing your financial roadmap to suit your needs now and in the future.

Through RISE: The Empowerment Plan initiative, New York Life strives to bridge the racial wealth gap by helping Black families develop financial strategies to build wealth now and for generations to come. Contact me today to learn how I can help you reach your financial goals.

Any trick or treater knows that to get the best haul, you need to visit a lot of houses. The same is true for your investments. This , learn how you can better diversify to ensure your future has more treats than tricks.

5 strategies to diversify investments | New York Life It is important to diversify your investments in order to properly manage risk. Learn five strategies from New York Life for how to diversify your portfolio.

Is a million-dollar life insurance policy enough? Take a look at what a million-dollar life insurance policy means for you and your family’s financial security.

What Does a Million-Dollar Life Insurance Policy Really Mean? $1 million seems like a lot of money, and for most of us, it really is. But when it comes to life insurance, what does a million-dollar policy really mean?

Grandparents: Want to leave a legacy for the ones you love? Learn the differences between a will, trust, and estate, and together we can make sure the legacy you leave lives on for generations.

Will, Trust, and Estate | New York Life Avoid complications by planning out your estate today. Learn more about the importance of planning ahead with a will, trust, or estate.

Becoming a new parent can be difficult—and expensive. But with the right help and guidance, there’s nothing you can’t handle. Here are 3 tips to help keep your finances in order. Need even more advice? Just reach out.

Financially Planning for a Baby | New York Life There are many additional expenses that come with starting a family. Use these money saving tips for some financial help as new parents.

Single parents deserve all the respect—and help—they can get. While there’s no checklist for what to do when you become a single parent, I can help you with the financial solutions you need to give them the life they deserve.

Financial tips for single parents | New York Life Read New York Life's complete guide to financial planning for single parents. Find helpful tips for navigating a new and unfamiliar landscape as a single parent.

Nonprofit organization Life Happens is recognizing Hispanic Heritage Month and sharing common myths and hesitations that the Hispanic community has about purchasing life insurance. Check them out and reach out to me if I can help put your mind at ease about how to protect you and your loved ones.

Paying for college can be a big financial burden for many parents. But with a little flexibility and preparation, you can help your child afford the education they need to succeed. Read these tips and reach out if you need any help.

How to Pay for College | New York Life If you’re thinking about how you’re going to pay for college, use our list of long- and short-term strategies to help you secure the funds for a college education.

With the right guidance, life insurance can be a simple and efficient way to transfer wealth from one generation to the next. Matt Pate of the Nautilus Group, a service dedicated to supporting New York Life’s premier agents and clients, explains more.

The Value of Life Insurance as a Generational Wealth-Transfer Tool. Matt Pate, the Department Head of Nautilus Plus at the Nautilus Group, discusses the value of Life Insurance as a generational wealth transfer tool.

Your home is at the heart of your family, so why not protect it the same way? Learn how life insurance can help protect the place your family calls home, no matter what the future may bring. https://hearsay.social/3RfPcvs

Life insurance is not just a great way to protect against the unexpected, but it can also be a powerful financial tool for you and your family. Here are 5 reasons to add whole life insurance to your financial strategy. https://hearsay.social/3BU2MA1