Joel Stein, AIF - Financial Advisor with Baystate Financial

RIP Lou Gossett Junior. I always think of him and Richie Havens together, imbedded in the image that graced the wall of the Folklore Center in NYC. The two of them, with a third man, in dapper suits, photographed in classic vocal trio pose of the day. Bit of trivia, Gossett was co writer of Handsome Johnny, with Havens. One of the stand out performances at Woodstock.

As people live and work much longer than expected, it’s important to have a strategy that converts savings into a steady stream of retirement income. Contact me today to learn more. https://blog.massmutual.com/post/tips-for-maximizing-your-retirement-income

When it comes to a becoming disabled, many people don't think it could happen to them. As a result, people don’t protect one of their most valuable financial assets — their income. Learn how I can help you protect your hard-earned income. https://bit.ly/3W0Evzj

New Year, New You. Let’s get together and go over your financial plans and make sure you’re on the right path.

Feeling uncertain about these volatile economic times? One asset that will never decrease in value due to market conditions is whole life insurance. Learn how it can help better secure your future. https://bcove.video/3PJdXRA

The holidays are a time filled with family, traditions, and often times charitable giving. If you're considering donating to a charity this holiday season, let's talk about ways you can make an even bigger impact.

Currently, retirement-based healthcare costs range from $156,208 to $1,022,997. Where will they be when you retire? Let’s get in touch to discuss how to create a stream of income to help with expenses down the road.

May every candle you light bring you peace and joy!

Celebrating this holiday season is even sweeter knowing that you can give the gift of financial planning to your loved ones. Talk to me to learn more.

Group disability coverage offers basic income protection to employees, like you, but the amount of income protection may not be enough. I can help you determine how much coverage you need. https://bit.ly/3PvfVVC

Being taxed year-over-year on your savings can take a big bite out of your retirement plan. Let’s talk about how placing your money into an annuity can help sustain your bottom line through tax deferment. https://bit.ly/3FYH0NP

You own a home and have a sizeable nest egg. I can help you put a plan in place to preserve your wealth and provide for the transfer of assets to the next generation. https://blog.massmutual.com/post/entering-the-wealth-transfer-zone?utm_source=facebook&utm_medium=social_hearsay&utm_content=2008034&utm_campaign=AA556298.

Wealth planning before retirement: Key concepts | MassMutual Wealth planning is the heart of estate planning, which encourages mature, affluent individuals to define and pass along their values.

You’ve been doing great work with your 401k, but what is the next step once you are near maxing it out? Don’t lose the momentum you have to save. There are ways to shield yourself from taxes today by using a tax-deferred annuity to supplement your retirement savings. https://blog.massmutual.com/post/four-oh-one-kay-not-enough?_ga=2.40586023.486167156.1668025820-646024193.1664474638

Can you believe that the average inflation rate for the past 20 years is 2% and the inflation rate for the last 12 months is 8.5%? Learn how a variable annuity can help you keep pace with inflation – contact me today.

Take a minute to check out our handy retirement calculator. Contact me to find out where you are, and where you want to be. https://www.massmutual.com/financial-wellness/calculators/retirement-calculator

“It’s a Wonderful Life” is a classic film, viewed by many during this time of year. But did you know that there’s a subtle and very important financial lesson in the story?
https://blog.massmutual.com/post/george-baileys-life-insurance-lesson

December 31st is fast approaching. Make sure you set up and process any changes to help lower your yearly taxes in mid-December, well in advance of the deadline. Need help? Get in touch today. https://blog.massmutual.com/post/year-end-tax-planning-moves?utm_source=facebook&utm_medium=social_hearsay&utm_content=2008033&utm_campaign=AA556298.

6 year-end tax planning recommendations | MassMutual Some strategies can potentially help lower your tax bill must be implemented by Dec. 31.

Social Security could be a source of your retirement income, but would it be enough? Let’s talk about how the value of supplementing this income with a MassMutual annuity. https://www.massmutual.com/financial-wellness/calculators/social-security-quiz

Let our hearts be full of both thanks and giving. Wishing you and yours a wonderful holiday weekend!

While there are three basic approaches to minimizing the impact of capital gains taxes, your approach should take into account your personal circumstances, holdings, and long term financial goals. Let's connect to develop a strategy that works for you. https://blog.massmutual.com/post/capital-gains-manage.

Your experience and knowledge are invaluable to your patients and their families. Learn how a MassMutual Own Occupation Rider could help you protect your hard-earned income. https://bit.ly/3tDQebb

Head of Investments for Wealth Management at MassMutual, Daken Vanderburg, has some words of wisdom about the turbulent state of the market. Let’s get in touch to ease your worries with some helpful strategies. https://blog.massmutual.com/post/fed-inflation-fight-and-markets-vanderburg

Are your clients looking to add certainty and growth to their retirement income plan? Click here to see our latest guaranteed interest rates.​
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As you think about all of the things you’re thankful for, consider the future. What type of a legacy do you plan to leave to your loved ones? I can help!
https://blog.massmutual.com/post/life-insurance-estate-planning

Market volatility got you stressed? Contact me to learn more about guaranteed income with zero market risk. Click here to see current rates.
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Knowing how your assets and investments impact your taxes is an important part of your financial picture. Let's discuss your tax diversification options and the possible outcomes of each. https://blog.massmutual.com/post/income-tax-diversification?utm_source=facebook&utm_medium=social_hearsay&utm_content=2008028&utm_campaign=AA556298.

Income tax diversification defined | MassMutual It makes sense to have financial assets that offer different types of income tax advantages.

Many people don't think it could happen to them... don't let an illness or injury interrupt your ability to earn an income. Learn more about disability income insurance. https://hearsay.social/3DQoipl