Byron Cypert Financial Services Professional with Nylife Securites LLC

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.

The Bank of Japan’s historic decision to end its Negative Interest Rate Policy has far-reaching implications for global investors. The strategists at New York Life Investments discuss the shifts in Japan’s economy that allowed for this policy adjustment, and what it means for the long-term path of global interest rates.

Market Matters Podcast This week, Super Tuesday marked a major point of progress in the 2024 U.S. president election.

Is your retirement protected from the new tax laws? This insightful, on-demand seminar shows you strategies to help protect your retirement funds. View on-demand any time before 5/13/2024: https://bit.ly/3vxvbLY

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.

You've worked hard to build a comfortable retirement. Be sure to safeguard that investment! Join us for this live event and learn how to help protect your retirement funds from taxes. Register now at: https://bit.ly/3IwzbyZ

Paying off debt is important, but it shouldn't be at the expense of your future goals. By starting small and staying consistent, you can pave the way for a brighter financial future while tackling debt head-on. Here are some tips to help you get started this . For a more individualized approach, reach out and let's talk.

Invest or Pay Off Debt? Why to Do Both | New York Life Should you pay off debt before investing? Learn why it's important to pay off debt while continuing your investment strategy.

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!

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

*https://bit.ly/49KzBxg

Wishing everyone a day filled with family, unity, and the spirit of democracy as we honor and reflect on the leaders who shaped our great nation.

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.

Starting this year, unused funds in 529 education savings plans can be converted into a Roth IRA, but you’ll need to know the fine print of the process. Here are the details on converting and what else you need to know.

How to roll over a 529 plan to a Roth IRA Here are the details on converting a 529 plan to a Roth IRA.

The new year is a great time to plan for your financial future. Here are five financial resolutions to consider for 2024.

5 Financial New Year’s Resolutions for 2024 - NerdWallet Create some new financial resolutions for 2024, including getting a higher interest rate on your bank account, paying down student loans and more.

Mentoring can be a great way to engage new employees, increase job satisfaction, and boost retention. The 7 helpful tips found in this article can help you get started. Contact me to explore other small business solutions.

Why Mentorship Programs at Work Are Key | New York Life Mentorship programs at work are essential to employee retention and growth. New York Life offers 7 tips for effective mentoring in the workplace.

Today, we honor the legacy of Dr. Martin Luther King, Jr., whose powerful words and tireless efforts continue to inspire positive change.

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!

Do benefits matter to today’s mobile workforce? You bet they do. As this article shows, perks and benefits have become even more important to employees since the pandemic. Click to read more.

What’s trending for employee benefits? During the pandemic, workers had to cope with health issues, financial concerns, and changing job demands. Benefits helped make a difference, according to these key takeaways from

When it comes to recruiting, onboarding, and retaining talent, the virtual environment is the place to be. Follow the four tips outlined in this article to get started, and contact me for other helpful strategies and solutions.

How to effectively recruit and hire online. We can help you create a temporary, long-term, or permanent life insurance solution that meets your needs and your budget

Happy New Year! May the closeness of your family, friends, and loved ones fill your heart with joy this year and all the years to come.

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!

Need help retaining key employees? If so, this article lists 6 steps you can take to combat the "Great Resignation" and outlines some of the tools that are available to help. Let me know if you have any questions.

6 Ways Business Owners Can Retain Employees | New York Life Keeping talented workers is essential to any thriving business. New York Life has 6 tips to retain employees and promote a positive workplace environment.

May this holiday season bring happiness, joy, and prosperity to you and your loved ones.

Worried about losing talent during the "Great Resignation"? Check out this article providing 3 easy ways to help workers stay happy and productive. Feel free to look it over and reach out to me for more recommendations.

How to Keep Employees Satisfied | New York Life It is vital to support the happiness and productivity of your workforce. Learn how through open communication and a strong benefits package from New York Life.

If you’re contemplating an IRA rollover, remembering these three important rules can help you avoid making a costly tax mistake.

IRA Rollover Rules: What You Need to Know Three important IRA rollover rules to remember. As always, getting taxes wrong can be costly.

Are you a small business owner who wants to attract and retain talent? Click to learn how New York Life Business Solutions can help give you a competitive advantage.

Small Business Insurance | New York Life Learn how small business solutions from New York Life can protect business owners and their employees with a variety of services.

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/3GAwewF
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.

Changing careers? Here are three steps to help you navigate the transition and find your next gig.

3 Ways to Mentally Prepare Yourself for a Career Change For some, the prospect of doing the same job in the same career for 20 more years is hive-inducing.

J.P. Morgan’s David Li shares the importance of financial education and why it’s important to teach children the concepts of delayed gratification, saving, and being thoughtful about sharing with loved ones.

Best Idea: Teaching Children the Merits of Saving, Sharing, Giving Saving money was a lesson J.P. Morgan’s David Li learned from his parents while growing up in Cambridge, Mass. "I came from very humble beginnings," said Li who immigr...

This Thanksgiving, we're thankful for the opportunity to protect the ones you cherish most. Wishing you a safe and joyful holiday filled with gratitude, love, and peace of mind.