Phillip Tovar

For many business owners, their employees are like a second family. What have you done to show your employees how much they mean to you? Let me know below.

Employees are expecting more from their employers. Demand for voluntary life products is growing, & over 2/3 of employers are offering 3+ voluntary products. Wondering how you can stay competitive? Click below to learn about our Employee’s Whole Life Insurance.

Employee’s Whole Life – Insurance Protection | New York Life Thinking about purchasing a life insurance policy through your employer? Learn how employee’s whole life from New York Life can protect you and your family.

Whether you’re reviewing employer benefits, changing jobs, or have a life change, now is a great time to connect, so I can work on a customized strategy to protect your income—and your future. Let’s talk soon.

NEW YORK LIFE EXPANDS SUITE OF PROTECTION-ORIENTED SOLUTIONS WITH NEW PARTICIPATING INDIVIDUAL DISABILITY INSURANCE POLICY Being prepared looks different across all phases of life. Understand what people like you typically consider when making their plans.

Whole Life insurance plans are great because they offer your family peace of mind for the long run. But many don’t know that they offer more. Such as the potential for annual dividends and the option to borrow against the cash value of your policy. To learn more about Whole Life watch this video

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What’s your most valuable asset? Probably your future income. A foundation of any sound financial strategy is having protection of a portion of the income that might be lost if an injury or sickness prevented you from working. Call me to get started.

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.

Ready to take the next step for your business? New York Life Business Solutions offers expert financial guidance to keep you on track and plan for your future. Click the link below to learn more about who we are.

Small Business - Protect, Reward, and Plan | New York Life Learn how insurance from New York Life can protect and support your small business, from guiding succession planning to providing incentives for your employees.

Looking for financial support for your small business? I’ve got you covered. I’m ready to work with you to find the right solutions for you and your employees. Learn more of the benefits of working with a New York Life agent below.

What Can an Agent Do for Your Business? | New York Life What can a New York Life agent do for your small business? Find out what type of solutions are offered to help protect your business.

What’s the key to cultivating a strong workforce? Investing in it. New York Life Business Solutions offers a variety of benefits for your business and employees. Click below to read more.

Small Business Employee Benefits | New York Life Improve workplace morale with New York Life group employee benefits and insurance product offerings for small businesses.

What does managing your personal finances have to do with piloting the fastest fighter planes on the planet? Good question. To find out, read this article we posted on the benefits of being a Maverick of your own finances. https://hearsay.social/3v8zY2V For questions about your financial future, reach out to me.

404 Error – Page Not Found Being prepared looks different across all phases of life. Understand what people like you typically consider when making their plans.

Figuring out how long you and your loved ones can afford to live without a paycheck if you were sick or injured can be daunting. A new solution from New York Life can help protect a portion of your income. Watch this short video and let’s connect.
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Fireworks, BBQs, family outings—celebrating Independence Day means spending time with those you love. From my family to yours, happy .

Rising interest rates will have an impact on the housing market. Here are strategies to consider when you’re ready to buy.

Will Higher Interest Rates Finally Cool The Red-Hot Housing Market? With the Fed raising interest rates, will the hot housing market finally start cooling off?

Trying to manage your family and career has its challenges. I can help you find financial solutions to help you get the most out of your benefits.

On and every other day, we support military families who have lost loved ones in service to their country.

Memorial Day: remembering our fallen heroes. On Memorial Day, we honor those who died while serving in the military. Here we look back at how New York Life has supported our country’s heroes throughout our long history.

Now that you’ve made the leap into a new career, have you thought about how your employee benefits may change? Let’s talk about financial solutions that will work best with your benefits.

Your new job’s group disability insurance may not be enough protection against a loss of income if an injury or sickness prevents you from working. I can help you develop an income protection strategy. Let’s talk.

An EverFi survey showed one-third of high school students describe federal student loans as risky, and this fear is hindering them from seeking out other forms of financial aid. Here’s why.

High schoolers think student loans are risky, and they’re forgoing billions of dollars in aid Only about 15 percent of students surveyed said that they had talked to an adult at their school about paying for college.

Starting a new career means setting new financial goals to put you and your family a little closer to achieving your dreams. I can help you find financial solutions for securing your goals.

This article explores how much the S&P 500 index could fall if we experience a typical economic downturn due to a recession.

Investors haven't begun to price in recession: Here's how far the S&P 500 could fall The battered S&P 500 index is not pricing in a recession, according to DataTrek Research.

Whether you changed jobs for a better work-life balance or a more fulfilling career, starting a new job is a great time to work on good financial habits. I can help you with financial strategies for navigating this transition.

Saving for your child’s education is likely one of your financial goals. But how much is enough? Reach out to me today! Together, we can work on a strategy to help you manage educational expenses to set your child up for success.

How do you intend to spend your next chapter? Have you even started planning for it? I’m here to help no matter what stage of retirement planning you’re in. Learn how to start saving for retirement today:

Save a minimum amount for retirement | New York Life Starting retirement savings may seem unrealistic or impossible. Learn from New York Life why you should save the minimum amount needed for retirement today.

Debt is stressful and confusing. I can help you get you some clarity and build a strategy that gives you confidence in your financial future. Let’s touch base today!

Debt management—Keep debt from limiting your future | New York Life The pressure to pay off debt can feel overwhelming. Discover with New York Life how managing debt allows you to pay it over time without limiting your future.

Your career has evolved, and your financial solutions should as well. As a New York Life financial professional, I have the resources and experience of a Fortune 100 company at my disposal to help you create a strategy that succeeds both now and in the future.

Financial balance: we all need it, but it takes work to achieve it. Let me help you create a strategy that puts you on a path to realize your future goals, while keeping your family financially secure today.

It’s difficult to know how to prepare and save for the future. It all starts with your goals. I can help you develop a financial strategy that meets your needs. So, what are you waiting for? Let’s talk about your future!

Life Insurance Information and Advice | Protecting Your Family Choosing the right life insurance to help protect your family is an important decision. Let the expert financial professionals at New York Life help you make the right one.

Balance. Yin & Yang. Harmony. Whatever you call it, it’s necessary for a good life. The same goes for your finances. You can protect your family today while saving for your future. If you need financial balance, let’s talk.