Adhys Obeso - Registered Representative with Nylife Securities LLC

The 2024 election season is already shaping up to be one of the wildest in history. With three and a half months until election day, strategists at New York Life Investments share how investors can stay above the noise and focus on policy, not politics when it comes to what could drive markets this year.
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still true today😏

My expression when people in their 50s tell me they want to put off Long Term Care planning.

Thinking about Long Term Care? I offer free, web-based or in-person long term care consultations for existing and new clients.

Did you know that over 70% of Americans over the age of 65 will need some form of long-term care in their lives? Planning for retirement means preparing for life's uncertainties. This National Senior Citizens Day, reach out and let's work together to ensure you're well-prepared for the future.

Long Term Care Insurance Costs by State and Region | New York Life Use New York Life's tool to access long term care insurance cost information by state and region. Learn more about long term care costs and what they include.

Summer break meant spending more time with the grandkids, but what will that mean for your savings? From budgeting tips to retirement income strategies, I can help you make the most of your retirement. Reach out, and let's discuss your goals together.

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

Top Olympic athletes' rigorous training, dedication, focus, and adaptability are key elements of financial success. Understanding their approach to finances offers valuable insights. Read more about how top-tier athletes' handle their strategies here:
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If you have any questions about reaching your personal financial goals and would like to discuss your strategies, please feel free to contact me.

Read to find out how to help avoid certain tax surprises when you sell a vacation home.

Avoid These Tax Surprises When Selling a Vacation Home Navigate the tax downsides so you can better reap the benefits of your vacation home investment.

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.

For recent grads, smaller cities can offer better career opportunities and more affordable housing. Find out which city is ranked number 1 and why.

These are the best and worst U.S. cities for new college grads For recent grads, smaller cities can offer better career opportunities and more affordable housing. Here's why this city ranks No. 1.

Summer fun may be priceless for kids, but it’s increasingly costly for their parents. Some go into debt to pay off a summer; others adjust their work hours, scramble to find care, or have to deal with their children feeling left behind by peers headed to pricey summer programs.

Summer vacation is only getting more expensive for parents, with some spending thousands of dollars on camp: It's 'highway robbery' Parents told BI that they're spending thousands to send their kids to camp or other summer care.

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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As a parent, one of the greatest gifts you can give yourself—and your family—is the assurance of a secure retirement. That's why it's important to plan ahead to ensure financial stability during your non-working years. This Parents' Day, give your future self a pat on the back by reaching out and letting me help you build the retirement you deserve.

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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For many newlyweds, the months after a wedding can be an exciting time. But they can also leave you questioning, "What now?" From paying off your wedding debt to growing your family, having a strategy can help ensure your financial future remains happy ever after. Reach out, and let's go over your goals together.

Homeowners cannot avoid property taxes, but there are strategies to potentially decrease your bill.

How to Reduce Your Property Tax

Today is a day of celebration and hope, as we reflect on the struggle for equality African Americans have faced throughout history.

As the cost of colleges and universities continue to skyrocket, Gen-Zers are looking to trade schools to kickstart entrepreneurship dreams.

Gen Z Looking to Trade Schools to Kickstart Entrepreneurship

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.

Be sure to see New York Life Global Market Strategist Julia Hermann, as she provides an economic update and insights to help you navigate the ups and downs and twists and turns of election year uncertainty. View on demand now at: https://bit.ly/3VBXseG

Starting your first business can be thrilling, but if you don't have all your ducks in a row, it can quickly turn into a nightmare. Learn how the right business insurance can help keep your dream alive. Reach out, and I can go over exactly what you need (and what you don’t) to stay protected.

Which Types of Business Insurance Do I Need? | New York Life Successfully running a business requires you to hold many insurance policies. Learn what types of insurance you may need to protect your small business.

Commercial real estate has been considered a simmering risk for the U.S. economy. But amid pockets of stress, investors can find opportunity. The Global Market Strategy team at New York Life Investments is joined by Jon Miniman, Global Portfolio Manager at CBRE Investment Management, for a look under the hood of listed real estate.
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Concerns about the future of Social Security have long been a major political issue in the United States, but a generational divide is now emerging that could impact the future of one of the country's most popular government programs.

Will the money run out? Young Americans and boomers butt heads over future reforms to Social Security Experts worry millions could “plunge into poverty.”

Believing this myth about credit cards could actually harm your credit score in the long run. Here's why people tend to fall for it anyway.

The No. 1 credit card myth that 'just will not seem to die'—why you shouldn’t fall for it

In the midst of the ongoing financial crisis, women are rethinking how they do everything from celebrating friends’ milestones to planning families. Surveys dig into key changes women are making to adjust for the rise in cost of living and the nuanced shifts in behavior.

Gen Z and Millennial Women Are Checking the Price Tag on Major Milestones Credit Karma’s latest consumer surveys reveal the added cost of being single and plans to delay family planning given the current cost of living.

Today we honor and remember the brave men and women who gave their lives in service to our country. We are forever grateful for their sacrifice and the freedoms they have secured for us.

Creating a budget is the first step toward financial success. With these five easy steps, you can take control of your personal finances, work to achieve your goals, and gain the confidence to build a better future.
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Ever wondered about the financial side of long-term care? 💰 Dive into this insightful article shedding light on who typically covers the hefty expenses associated with long-term care services. From personal savings to Medicaid and long-term care insurance, discover the varied avenues individuals explore to navigate these costs. 💡

Middle-income earners face unique challenges, often caught between not qualifying for Medicaid yet struggling to afford care out-of-pocket. Planning ahead is key to alleviating financial strain down the road. 💼

Don't wait until it's too late. Contact me for you in your Long Term Care planning journey.

Who pays for long-term care? A shocking number of people get this wrong. People are confused and overestimate Medicare’s role in paying for long-term care