John R. Calpena, Financial Services Professional with Nylife Securities LLC

Family is what you make it, so make sure your loved ones and all your dreams for the future are protected.

Is Whole Life Insurance a Good Investment? | New York Life Whole life insurance can be a great investment for you and your family. Learn how this type of investment can support your financial goals.

This article explores customer retention vs. customer acquisition and how knowing the difference can help you make smarter and more accurate investments for your business.

Council Post: Customer Retention Versus Customer Acquisition Overall, knowing each customers' worth to your business can help you make smarter, accurate investments.

When you think about your company’s financial sustainability, your bottom line is only part of that picture. Here are five other areas you need to consider.

5 Ways Companies Can Pursue Financial Sustainability The last few years have been rocky for the economy and businesses, to say the least. The unprecedented effects of the COVID-19 pandemic, shifts in work, rising inflation, a looming...

Take these financial steps before starting a business during retirement.

Get Your Financial House In Order Before Launching Your Retirement Side Hustle Just because you’ve got that big pile of cash staring at you doesn’t mean you should use it to fund your side business. Here are some ideas to think about first before tapping into your retirement funds, including one so obvious you may be disregarding it.

ThinkAdvisor presents statistics on just how committed Americans are to preparing for retirement despite economic uncertainty.

12 Merry Retirement Statistics: 2022 | ThinkAdvisor While worrying stats on retirement preparedness make headlines, there's also plenty of good news to celebrate.

This article explores the expanded child tax credit and its potential effect on the U.S. economy.

Would The Expanded Child Tax Credit Be Bad For The Economy? Martin A. Sullivan analyzes the child tax credit in the Tax Cuts and Jobs Act and the American Rescue Plan Act’s expansion of it, and he explores how extending the credit could affect poverty and the economy.

A study by AARP found 42% of retirees in the U.S. are working in retirement or plan to do so. Take a look at some of the reasons driving this trend and things to consider when making the decision to work longer.

Working in Retirement? Here's Why That's Great -- and Why It's Really Not | The Motley Fool The best approach is to have a retirement strategy so you can work if you want to, but you don't have to.

For many, watching holiday movies over and over is a season tradition. For others, it’s like sticking their tongue to a flagpole. No matter what side of the aisle you're on, here are 5 life lessons we can take from George Bailey in "It's a Wonderful Life".

It's a wonderful New York Life: 5 things George Bailey learns in "It's a Wonderful Life". If you’ve seen the classic holiday movie “It’s a Wonderful Life,” you know that it’s packed with life lessons. If you haven’t seen it, we recommend grabbing the popcorn and your loved ones Here's 5 things that George Bailey learns in It’s a Wonderful Life.

Whether you're caring for children, parents, siblings, and/or grandparents, the holidays are the perfect time to have important financial discussions with your family. Read these tips and let's explore your options together.

Managing Family Finances | New York Life New York Life shares the importance discussing family finances and talking to your family about inheritance, guardianship and living wills.

Student loan debt and the housing crisis make it harder for Millennials to save for retirement, but here are ways you can navigate those obstacles to ensure you have an adequate nest egg.

Experts: How Millennials Can Navigate Common Obstacles To Saving For Retirement Wages had been stagnating for 30 years since the early 1970s by the time the oldest millennials started trickling into the workforce at the turn of the 21st century. Since the late 1970s, productivity...

Many signs are pointing to the recent bear market rally running out of steam, so when will it roar again? Find out in this article.

When Will the Bear Market Roar Again? Many signs are pointing to the recent bear market rally running out of steam. Thus, investors are watching closely for signs of the next catalyst to send stocks lower once...

Savings and checking accounts both serve different purposes. Consider these pros and cons for both before you decide which is right for you.

Savings vs. Checking Accounts: Which One Should You Use? Savings accounts and checking accounts have different uses, so it's worth knowing which is right for you.

Seasons change whether we're ready or not, and the same is true in our own lives. If you're not sure you’re ready for the change retirement brings, check out these financial considerations. Remember, I’m always here to help.

Retirement Planning Considerations for Couples | New York Life Before starting retirement as a married couple, consider revisiting any joint retirement savings accounts and discussing other budget matters.

During the pandemic, Congress gave workers in the U.S. a break. If you really needed money, you could tap your 401(k), but to avoid a tax hit, you still need to pay the money back. Here’s what you need to know.

Did You Withdraw Cash From Your 401(k)? How To Avoid A Tax Hit Typically, distributions received from an IRA or retirement plan before reaching age 59 ½ are subject to an additional 10-percent tax, unless an exception applies.

Life is full of unexpected moments and expenses, which can lead to people cutting back on saving for retirement. Here are some circumstances where you may need to step away from saving for retirement and prioritize other financial matters.

Experts: Is It Ever OK To Cut Back on Saving for Retirement? When it comes to good financial habits, the general rule is everyone should be able to put a certain percentage of their earnings into a retirement fund and continuously keep contributing to said...

No matter how much you think you've covered all your bases preparing for retirement, something unexpected can always come up. Check out these 5 retirement blind spots to avoid and reach out if you want even more help.

Retirement Planning Considerations | New York Life When financially preparing for retirement, remember to consider five things about income sources and preparation.

Top-ranked advisors offer four key considerations to help baby boomers children prepare for the greatest generational wealth transfer in history.

Strategies to navigate the $68 trillion 'great wealth transfer,' according to top-ranked advisors Here are four key considerations to help prepare for the biggest wealth transfer ever, according to CNBC's top-ranked financial advisors.

When you set out to improve the lives of others, you improve your own as well. Learn how the New York Life Foundation is creating meaningful change in the community through their philanthropic work and the work of their partners.

The NYL Foundation in Action | New York Life Foundation Discover how the mission of the New York Life Foundation is impacting communities and helping to improve the lives of children and their families.

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.

It's Long-Term Care Awareness Month. Do you know if you're prepared to handle the financial burden of long-term care? Check out the latest Survey from New York Life

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.

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.

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. Being prepared looks different across all phases of life. Understand what people like you typically consider when making their plans.

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.

Grandparents: Want to leave a legacy for the ones you love? Learn the differences between a will, trust, and estate, and together we can make sure the legacy you leave lives on for generations.

Will, Trust, and Estate | New York Life Avoid complications by planning out your estate today. Learn more about the importance of planning ahead with a will, trust, or estate.

Money rules of thumb can be useful in helping you allocate spending and determine what’s affordable, but they can also be defeating when they feel unattainable. Here’s how to view them in the context of your own personal financial reality.

Don’t Let Money Rules of Thumb Get You Down - NerdWallet Money rules of thumb can be incredibly defeating when they feel unattainable. Focus on building a spending plan that works for you, not some ideal.

A new NerdWallet survey revealed 20% of parents with children under 18 haven’t started to save for their kid’s college education but would like to. Learn how you can get started in this article.

How to Start Saving for Your Kids’ College Raising kids is expensive: On average, the expenses of one child from birth to age 17 add up to over $300,000, according to the latest data from The Brookings Institution.…

Recently, the U.S. stock market suffered its worse one-day decline since June 2020, crushing investors' hopes of an early end to the Federal Reserve’s campaign of interest rate hikes. Here’s why inflation data tanked the market.

US stocks just suffered their biggest 1-day decline since June 2020. Here's why an inflation surprise tanked the market. Investors dumped stocks on Tuesday as they feared stubborn inflation would mean higher interest rates, lower asset prices, and a painful recession.

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.

Single parents deserve all the respect—and help—they can get. While there’s no checklist for what to do when you become a single parent, I can help you with the financial solutions you need to give them the life they deserve.

Financial tips for single parents | New York Life Read New York Life's complete guide to financial planning for single parents. Find helpful tips for navigating a new and unfamiliar landscape as a single parent.