Carlos Sidney, Financial Services Professional with Nylife Securities LLC

Over 65% of Americans worry they will run out of money in retirement.* What are your thoughts?

*https://www.nasdaq.com/articles/66-of-americans-are-worried-theyll-run-out-of-money-in-retirement-here-are-7-tips-to-make

Estate planning is a complex topic, and the last thing anyone wants is to make a mistake that may put their plans in jeopardy. Let’s look over your plan to ensure there are no unexpected hitches. https://blog.massmutual.com/planning/estate-planning-big-mistakes?_ga=2.263680332.1130079565.1681995575-208577506.1670253446.

When creating a special needs trust, it’s important to consider the expertise of a trustee and a successor trustee. Let’s talk about how I can help you tackle the unique challenges that may arise when planning for the financial future of your dependents with special needs. https://blog.massmutual.com/planning/financial-advice-for-special-needs-families.

The last thing anyone wants is for estate taxes to cause problems for their beneficiaries. Let’s connect and map out a clear plan for ensuring that your loved ones get everything they’re supposed to, no strings attached. https://blog.massmutual.com/post/mmtc-estate-planning.

It�s important to understand how much risk you�re willing to take to achieve your financial goals. Let�s talk through customizable strategies and solutions that can help meet your complex needs and work with a level of risk that you�re comfortable with. https://blog.massmutual.com/post/risk-profile-mmb.

You shouldn’t have to define your financial plans by your tax bracket. Let’s talk about some tax-advantaged investments and strategies that could help you keep more of your money. https://blog.massmutual.com/post/high-tax-bracket-avoid.

One of the most important decisions you can make when considering an estate plan is choosing a successor trustee that will step in and help manage your trust assets when you no longer can. Let’s get together and discuss how MassMutual Trust can help. https://blog.massmutual.com/post/mmtrust-successor.

Having all your eggs in one basket may not be the safest method for long-term investing. Let’s talk about how we can help mitigate risk in your portfolio with customized strategies and solutions designed just for you. https://blog.massmutual.com/post/assetallocation-mix?_ga=2.182814627.420610779.1664804245-646024193.1664474638.

Generational wealth can’t be passed on in silence. Have the “money talk” with your family. And remember, the MassMutual Trust Company and I are here to help. https://bit.ly/3DMyj7F.

Add certainty and growth to your retirement income plans.​ Learn more.

Types of annuities and how they work | MassMutual There are a variety of annuities that offer different payouts and benefits.

Markets go up AND down. In times of high volatility, take a breath, and take a look at the diversification of your portfolio.

What to do when stock markets are going wild? Stay calm Sudden market drops point up the value of long term investing horizons and diversification.

If you’re going through a divorce, there are steps you should take to ensure your life insurance coverage meets your changing needs.

How life insurance can play a role in divorce Examine your life insurance coverage prior to divorce, define ownership, premiums, and beneficiaries.

Providing for a loved one with special needs requires a long-term care strategy. Here are 10 steps to help caregivers start preparing for their special-needs dependent's future.

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Help your clients give their children & grandchildren a financial head start.

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Give the gift of life insurance, so your loved ones can remain financially afloat when they need it most. Ask yourself, “How would my loved ones be doing right now if I were no longer in the picture?”

You think “it could never happen to me” but a disability can happen to anyone. Watch these life stories. https://disabilitycanhappen.org/life-stories.

We’re a proud supporter of month in February. One of the main reasons people buy life insurance is because they love someone and want to protect them financially. Getting life insurance is an expression of love that goes beyond words.

Clients want to talk about long term care protection. Are you ready? Please contact me to discuss the opportunity.

If your clients become disabled, their savings may not save them. https://bit.ly/3fvYFQ0

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MassMutual's Coverpath lets you apply for life insurance online at your own convenience. Now more applicants can get accelerated underwriting and get immediate coverage. Email me at [email protected] to see if you can qualify.

Creating a financial plan for every phase of your life is important. Here are a few tips to help you get started!

Financial planning for families: Tips for all life stages | MassMutual Everything changes when your financial plan includes other people. Here are a few tips for creating a family financial plan.