Michael Coleman New York Life Registered Representative CA lic #4043383

Mortgage rates have risen, making home affordability more challenging, but many continue to buy. If you’re looking for a new house, it's crucial to maximize your finances. Here are some tips to reduce the impact of high interest rates on your wallet and monthly payment.
If you have questions about personal finances and buying a home, please feel free to contact me.
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If you’re planning to retire in the next few years, it’s important to be prepared. Taking steps now to manage your finances can help you enjoy your golden years with fewer concerns. Here’s a great article with five tips to make your retirement a little sweeter.
If you have questions about reaching your retirement goals, please feel free to contact me.
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The reality is, it's never too late to work on your retirement dreams. Read this interesting article to find out more. Read about 3 general reasons you can still successfully plan for retirement, no matter when you start.
For more about information on the topics mentioned in the article and your personal retirement strategy, please feel free to contact me.
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We’ve got some answers to questions like what is inflation, really? What causes it? And how will it affect your personal finances? Read this insightful article to find the answers to some of the most frequently asked inflation-related questions.
If you like to talk about how today’s inflation may be affecting your own personal finances and what you can do about it, please reach out.

Inflation explained: Everything to know in 3 minutes or less. What does inflation actually mean? And how can it impact your financial situation?

With Lamont Xavier – I just got recognized as one of their top fans! 🎉

In today’s economic landscape, financial stability is becoming more elusive than ever. But there is a solution – diversifying your income. What does that mean and is it a right strategy for you? Read this interesting article to find out more.
For more about income diversification and your personal financial strategies, please feel free to contact me.
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There are a lot of important reasons to save money, everything from emergencies and education to vacations and retirement. But are we saving what we should? Take a look at this interesting article to find out how much the various generations are actually saving. It may surprise you.
If you would like to talk about your savings plan or personal finances, please reach out.
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One reason why many people get overwhelmed with money management is they have too many accounts. It can quickly get messy and confusing. Here are some easy steps to get your finances streamlined and more manageable.
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If you have any questions about managing personal finances, I’ll be happy to help.
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This years’ tax deadline is fast approaching! Feeling the pressure? Don't sweat it, you're not the only one. Many people are hustling to get everything sorted out in time. This year, New York Life has put together a handy guide with tips to help ease the deadline frenzy.
If you have any questions about your taxes or personal finances, please reach out. For tax advice please consult your tax professional.

Sudden, unexpected expenses can happen at any time. Finding ways to both prepare for and endure those difficulties is called financial resilience, and it should be part of your personal financial strategy.
In the meantime, if you have any questions about making your personal finances more resilient, please feel free to reach out. I’ll be happy to help!
This article is a great place to start:

3 tips to achieve financial resilience in 2024. See results from New York Life's Wealth Watch survey 2024 outlook.

During Women’s History Month, join us in celebrating the countless contributions of women in our society. It’s a time to honor the remarkable women of the past who paved the way, as well as those today who continue to forge new paths. Take a moment to recognize the important women in our own lives who make a meaningful difference—not just during this month, but every day of the year.

Saving for retirement is critical. According to the Federal Reserve, over half of families have retirement accounts like 401(k)s and IRAs, but the median balance of those accounts might surprise you. Check out this article to find out where you stand in retirement savings:

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If you have any questions about making plans for your retirement, please feel free to reach out. I’ll be happy to help!

Popular among Gen Z and Millennials, ”Loud Budgeting” is making the frugal lifestyle cool. to save money. It’s about being loud and proud of being on a budget, living less expensively and saving money. Learn more at here:
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Regardless of age, considering this approach makes financial sense. Contact me for budget assistance or any questions about your finances.

We know how important and impactful finances can be in your life. Read this article to see how making New Year’s resolutions today could put you on a permanent course to futureproof your finances.
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If you have any questions about your financial situation, please feel free to reach out. I’ll be happy to help!

One key to a more secure retirement.
Research shows that many people close to retirement age have significant holes in their retirement plans, which can leave them financially at-risk during retirement. The solution lies in long-term planning. Check out this helpful article for steps you can take.
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If you have any questions about your retirement, please feel free to reach out. I’ll be happy to help!

Wrap up your holiday spending, now.
Keep your Holiday Season spending in check by following a few budgeting tips – that way, you're in charge, not the other way around! Here’s a great article to get you started: https://bit.ly/46RKwn7
If you have any questions about developing a budget or your personal finances, please don’t hesitate to reach out. I’m here to help.

In today’s world it can be tough to save money. However, saving money is essential for protecting against financial challenges and unexpected expenses.
Discover a simple 3-step savings plan that anyone can follow in this article:
If you need help developing a financial strategy for your future, please feel free to give me a call.
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Estate planning isn't just for the wealthy; it's crucial for all. Having a plan is essential if you have loved ones. Start now to prevent future complications.
If you have any questions about estate planning, wills or trusts, please feel free to reach out.

Estates, Wills, and Trusts | New York Life Avoid complications by planning out your estate today. Learn the difference between a will and living trust in an estate plan.

Only 57% of people in their midlife years believe they'll be able to retire. If you’re one of those people, here’s some good news. There are several ways to catch up on your retirement savings. Read this informative article to find out more.

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If you have any questions about making plans for your retirement, please feel free to reach out.

Household debt, primarily driven by credit card debt, is on the rise in the U.S. Managing this debt may seem tough, but it's achievable. Check out these 7 tips to help you pay off debt and save at the same time.

If you need help with debt control or developing a strategy for a more secure financial future, reach out to me. I’m here to help.

Tips on how to pay off debt and save at the same time It can be challenging to pay off debt and save at the same time, but it is possible using these tips.

In July, nursing home and adult care costs surged by 2.4%, the highest monthly increase since 19971, driven by inflation. Planning for long-term care is crucial because 70% of adults who reach 65 need long-term support before passing away2. To learn more about the costs and the future of nursing home care, check out this article.

https://bit.ly/3t5ZIPj

If you have any questions about making plans for long-term care or retirement, please feel free to reach out.

1 Bureau of Labor Statistics
2 Study by The Urban Institute.

Are there potentially unclaimed retirement funds waiting for you? Around 25% of 401(k) plans are abandoned or forgotten, per recent estimates1. Curious about unclaimed benefits for you? Read this guide to know for sure:

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If you have any questions about your financial goals for retirement, please don't hesitate to get in touch.

1. Capitalize. The True Cost of Forgotten 401(k) Accounts (2023). Accessed Jul 31, 2023.

According to a recent New York Life survey*, 15% of adults anticipate receiving an inheritance within the next 10 years. While this may seem promising, it's essential to recognize that this legacy money may not go as far as you think. There are economic realities that may get in the way.

If you have questions about creating a financial strategy, please feel free to contact me.

*https://nyl.co/3PgJqMm

The economy continues to thrive with low unemployment and a slowdown in inflation. However, short-term interest rates continue to rise

If you have any questions about how to develop a solid financial strategy, please reach out to me!

How to Benefit From Rising Interest Rates Savers will get the best rates from top-yielding savings and money market deposit accounts at online banks.

Annuities can provide a reliable income stream in retirement. New York Life research has shown annuities can also help retirees feel happier and more confident in their investments. Read this article to find out how retirees' lives are impacted for the better by owning an annuity.

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

New York Life is an Equal Opportunity Employer M/F/Disability/Veteran/Sexual Orientation/Gender Identity

Annuity owners report spending more, staying invested, and feeling happier in retirement. | New York Life Being prepared looks different across all phases of life. Understand what people like you typically consider when making their plans.

"Finding a good nursing home for yourself or a loved one may take time and effort, but it is well worth it. This article gives you important facts about nursing homes today and tips on how to search for a high-quality facility.

https://bit.ly/43elWv4

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

New York Life is an Equal Opportunity Employer M/F/Disability/Veteran/Sexual Orientation/Gender Identity "

10 Things You Should Know About Nursing Homes Chronically understaffed and expensive, nursing homes have changed over the years, much of it for the worse. But they fill a need for many. How do you find a good one?

The value of money in everyday life is a lesson that all children should be taught. This article has some great ideas and tips for teaching your kids about money and how inflation has such a big impact.
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Aside from teaching your kids, if you have questions yourself about finances or investing when inflation is so widespread, please feel free to contact me.

There are many older adults facing a retirement with no or insufficient income sources. There are still several ways to stash some cash for those golden years. This article contains seven strategies that can help you in both the short and long term.
https://money.usnews.com/money/retirement/articles/the-best-ways-to-boost-retirement-savings-after-age-50 If you have questions about reaching your retirement goals, please feel free to contact me.

Leaving a steady paycheck behind can be a scary thing. However, working with a financial professional is the best way to figure out how much monthly income you’ll actually need in retirement. See how much other retirees make and spend in this inciteful article. https://money.usnews.com/money/retirement/articles/what-is-a-good-monthly-retirement-income If you have additional questions about reaching your retirement goals, please feel free to contact me.