Kevin Dyer, Development Manager, New York Life West Texas General Office

An AARP survey found one in five Americans aged 50+ have nothing saved for retirement, while more than half (61%) worry they won’t have enough money to support them in their golden years. Financial experts recommend their clients start setting aside money as early as possible.

Is it better to max out retirement accounts, contribute to your kids’ 529 plan or make extra mortgage payments? How to define your biggest priorities.

Many people don’t transition in their careers due to the fear of money and the unknown. Here’s how to set yourself up for financial stability when pivoting.

How To Manage Your Fear Of Money When Changing Careers

Many people worry about the possibility of passing their debts to their children, particularly when managing substantial debts like a $300,000 mortgage against $100,000 in savings and no life insurance.

I Have A $300,000 Mortgage, $100,000 In My Savings And No Life Insurance. Will My Children Be Responsible For My Debt? Many people worry about the possibility of passing their debts to their children, particularly when managing substantial debts like a $300,000 mortgage against $100,000 in savings and no life insurance. Understanding debt inheritance and effective financial planning is crucial to preventing this sce...

What’s the true cost of pet ownership? Here’s how much you should expect to pay when adopting a new furry friend.

Pet Ownership: What It Really Costs to Own a Dog or Cat What's the true cost of pet ownership? Here's how much you should expect to pay when adopting a new furry friend.

If you’re managing student loan debt — and especially if you’re struggling to keep up with payments — you may have questions about recent proposals and what they mean for you. Here, frequent questions are answered.

5 FAQs About Student Loans, Answered How new government policies might benefit federal student loan holders.

Learn more about private mortgage insurance (PMI) and how it might impact buying a home.

What is Private Mortgage Insurance and How Does It Impact Buying a Home? Rising home prices and higher mortgage rates have made it more difficult to afford a down payment large enough to avoid PMI.

There are nearly 4 million students graduating from college this year who will face a challenging labor market. How can you help?

Job Hunting: Five Ways to Help Your Graduate The nearly 4 million students graduating from college this year will face a challenging labor market and need help with job hunting.

Can AI answer the needs of smaller businesses? Artificial intelligence tools are finding widest use at big companies, but there is expectation that the impact will spread.

Can A.I. Answer the Needs of Smaller Businesses? Some Push to Find Out. Artificial intelligence tools like ChatGPT are finding widest use at big companies, but there is wide expectation that the impact will spread.

For better or worse, finfluencers have dedicated followers across social media platforms. Before you take any financial guidance, ask these three questions.

Can You Tell a 'Finfluencer' From a Flimflammer? For better or worse, finfluencers have dedicated followers on YouTube, TikTok and elsewhere. Before you take any financial advice, ask these three questions.

When it comes to retirement savings, there's a lot to consider when preparing for the future—including managing costs for extended periods of care. Read this article to learn more about how to ensure you're prepared.

Retirement Planning Checklist | Bankrate Retirement planning requires thinking ahead and being flexible. Check these five items off your savings to-do list to get started.

While we all prefer to think that we will never be faced with disabilities, they are quite common, and when they hit, they can have a significant impact on your life, family, and future. Don't wait until it's too late. Learn how you can protect your financial future today.

Cost of Disability Insurance | New York Life Read about the average costs associated with disability insurance, and how premiums are calculated based on the coverage needed.

Check out Money magazine’s "How to Create a Life Insurance Retirement Plan" by Jeremi Davidson, explaining how a strategy of using the cash value of a permanent life insurance policy to supplement retirement income can enhance your retirement strategy, offering both the protection of life insurance along with the potential growth of retirement assets. https://nyl.co/4bUdM05

Don't let debt prevent your family from achieving its goals. Having a solid financial strategy can not only help you pay off debt faster, but it can help you be more financially prepared for the important things in life. Need help? Reach out, and together we'll come up with a strategy that works.

Married Life - Plan For Life After The Wedding | New York Life Are you prepared for the next big life moves following your wedding? Discover how you can plan ahead for married life today with help from New York Life.

The Global Market Strategy team at New York Life Investments is handing listeners their allocation playbook. Lauren Goodwin, Julia Hermann, and Michael LoGalbo have teamed up to stack up their macro views, allocation approaches, and specific asset class views to help investors navigate not just this cycle, but the next.

Market Matters Podcast Lauren Goodwin, Julia Hermann, and Michael LoGalbo have teamed up to stack up their macro views, allocation approaches, and specific asset class views to help investors navigate not just this cycle, but the next.

Sticky inflation is creating a challenging situation for the Fed. With the market pricing out near-term Fed cuts, our Global Market Strategy team shares their views on when the Fed could begin its rate cutting cycle.
https://bit.ly/3UauCjB

Caring for an aging parent is never easy, especially for LGBTQ+ individuals facing their own unique obstacles. But there are steps you can take to ease the financial burden. As someone who understands the emotional and financial toll firsthand, reach out, and let's navigate the complexities of long-term care planning together.

Financial Tips for the Sandwich Generation. We can help you create a temporary, long-term, or permanent life insurance solution that meets your needs and your budget

If you were to get sick or injured, how long could you afford to live without a paycheck? While nobody expects a debilitating event to happen to them, the truth is, it could happen at any time. Click the link to learn how New York Life's customizable individual disability insurance can help protect your lifestyle and future, and reach out if you want to talk about your options.

Individual Disability Insurance | New York Life Read how an individual disability insurance policy from New York Life can offer personal income protection in the event of a disability.

Can the Fed cut rates when inflation and labor market data are still strong? Our Global Market Strategy team shares their view alongside new market-moving data.

Chair Powell’s “Greenspan moment” Can the Fed cut rates when inflation and labor market data are still strong?

Life insurance is about more than just protection—it’s about exploring life’s possibilities with confidence, knowing you and your loved ones are taken care of. From saving for college to preparing for retirement (and everything in between), reach out to learn why having someone in your corner who understands your needs can make all the difference.

Life Insurance for the LGBTQ+ Community | New York Life You’ve come a long way; we’d like to help you go even further. New York Life is tailoring solutions to meet the needs of the LGBTQ+ community.

As the primary caregivers in our society, women know the importance of having a strategy for long-term care. Help protect your future and those you love. Click here to learn more.

Long-Term Care Insurance | New York Life Retirement is costly, especially if you need help taking care of yourself. Protect your comfortable lifestyle with long-term care insurance from New York Life. 

It may feel like the IRS taxes most of your hard-earned money, but some types of income are nontaxable.

Types of Income the IRS Doesn't Tax

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.

In the event of a disability, two-income households are 10% more likely than married couples with a single income to file bankruptcy due to higher fixed expenses*. Learn how you can protect your family’s standard of living by adding individual disability insurance to your plan. *The Two-Income Trap: Are Two Earner Households More Financially Vulnerable?, Center for Economic Studies, June2019

Individual Disability Insurance | New York Life Read how an individual disability insurance policy from New York Life can offer personal income protection in the event of a disability.

Looking for a way to prepay your life insurance premiums while reducing your out-of-pocket costs? Lock in a 12% interest rate for the first year and 6% for subsequent years on a Premium Deposit Account to fund premiums for select life insurance products. Speak to me today to learn more.

It’s important to remember that taxes don’t stop once you’re retired, but you can take these steps throughout your working life to help minimize your tax obligations later.

How to Minimize Taxes in Retirement | The Motley Fool Retirees can follow these simple guidelines to help manage their tax situation. Here's what you need to know about taxes in retirement.

The Social Security overpayment problem worsened in October, now standing at $23 billion. Here’s how the Social Security Administration will try to recoup the overpayment.

Social Security Overpayment Problem Swells to $23 Billion The Social Security Administration will now have to try and recoup $23 billion in overpayments.

"I don’t think of work as work and play as play. It’s all living." ~Richard Branson

The Federal Reserve is going to shock investors next year by aggressively cutting interest rates amid a slowing economy, according to UBS. Learn how this cut will affect retail spending, the unemployment rate and more, in this article.

The Fed will shift to 'full-on accommodation' mode in 2024 with nearly 3 percentage points of rate cuts as economy slows, UBS says "We expect substantially slower growth in 2024, a rising unemployment rate, and meaningful reductions in the federal funds rate," UBS said.

Did you know that long-term care insurance typically covers both in-home care, as well as care received at a specialized facility like an adult day care, assisted living facility, nursing home or memory loss unit?

Long Term Care Insurance Coverage Options | New York Life Our Long-term care insurance offers coverage for not only nursing homes, but also at home, community settings, and assisted living facilities. Each option with a different level of care.

Today, we celebrate the backbone of our communities – small businesses! As a New York Life agent, I can provide tailored solutions to protect the business you’ve worked diligently to build. Together, we can build a secure future for you and your business. Let’s talk today!

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.