Curtis Johnson, Financial Services Professional, NY LIFE Securities LLC

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.

Here are 10 financial strategy ideas to consider for year-end, that may help prepare you to achieve your financial goals in 2024.

2023 Year-End Financial Checklist Year end financial planning is imperative to preparing for the New Year. Here are ten strategies to consider.

Have you considered the impact that caring for aging parents has on your financial strategy? Tell us your thoughts.

Great news! New York Life just announced that 2024 will be the 170th consecutive year that eligible participating policy owners receive a dividend. Even better, the declared dividend is $2.2 billion! Want to know why that's important? I'll be happy to explain.

New York Life declares company record. We can help you create a temporary, long-term, or permanent life insurance solution that meets your needs and your budget

How have higher interest rates changed your spending habits?

Most people don’t think about their Social Security benefits until later in life. Experienced industry professionals Jeff Quigley and Alyson Dorosky explain why married couples need to plan ahead and be prepared for what happens to their benefits when a spouse passes away.

Life Insurance to Replace Spousal Social Security Benefits | New York Life Learn how life insurance can provide financial security and help replace a spouse's Social Security benefits in the event of their passing.

Do you want your children to be your care manager or caregiver? See the impact caregiving can have on children, their lives and families. Share your thoughts and comments. https://bit.ly/41HCT1v

Paying for college can be a big financial burden for many parents. But with a little flexibility and preparation, you can help your child afford the education they need to succeed. Read these tips and reach out if you need any help.

How to Pay for College | New York Life Trying to figure out how to pay for college? These long- and short-term strategies from New York Life will help you secure funds for a college education.

A woman’s financial concerns don’t simply vanish in retirement. That’s why experienced industry professionals Sophia Duffy and Steve Parrish believe that women should consider obtaining a life insurance policy that will stay with them when their workplace coverage expires.

Why having life insurance is a critical piece of women’s financial strategies | New York Life Learn how women can build financial security for loved ones through ownership of life insurance, both while working and in retirement.

If you’re not sure what life insurance product is best for you, I can provide ongoing financial guidance and share other helpful resources through our RISE The Empowerment Plan initiative. Contact me to learn more.

Term vs. Permanent Life Insurance | New York Life New York Life helps you learn the differences between term and permanent life insurance and compare their unique benefits to find the one right for you.

While you may be young and healthy now, the future isn’t guaranteed. How long would you be able to meet your monthly expenses if you couldn’t work due to a disabling sickness or injury? Disability insurance is there to replace a portion of your paycheck if you were sick or injured and unable to work.

Let’s work together to develop strategies to steer clear of further debt and build savings to reach your financial goals.

Debt Payoff Strategies For Millennials | New York Life These 6 debt payoff strategies for millennials from New York Life are designed to help young people keep their head above water and avoid crippling debt.

Helping people get ahead is one way we can work toward a better future. Take a moment to see how $2 million in grants from the is helping students at Hampton and Howard universities overcome potential obstacles to their success.

The New York Life Foundation provides a $2m boost for students Attending Two Prominent Historically Black Universities. We can help you create a temporary, long-term, or permanent life insurance solution that meets your needs and your budget

Think the younger you are the happier you are? Not true. Here’s some tips from AARP on how to be happier at any age. Share your thoughts and comments. https://bit.ly/3Ro3EDI

RISE The Empowerment Plan initiative is a continuation of the work we started in 2011 to improve the economic future of Black Americans through financial, education, and community empowerment. Contact me to learn more about this program and other helpful resources available to you.

Worried about Social Security not being around when you need it? Thinking about taking benefits at age 62? This video from AARP cuts through some of the misinformation surrounding Social Security and gives you some facts to help make an informed decision.

The 3 Biggest Myths About Social Security There’s a lot of misinformation about Social Security out there. Is it going broke? Do you take out what you pay in? Is it best to collect when first eligible? Find out the answers in this video.

Watching your grandkids grow up is a grandparent's greatest joy, but being able to help them become who they want to be is one of the greatest gifts you can give. Learn how a 529 college savings plan and supplemental funding from a whole life insurance policy can help you give the next generation a gift they'll always cherish.

Starting college funds for grandchildren | New York Life Give the gift of education by starting college funds for your grandchildren with help from New York Life. Secure their future with life insurance or a 529 plan.

Caring for a loved one is no easy task. Find out from AARP what not to say and how you can help a caregiver. Share your thoughts and comments. https://bit.ly/4a4d4wu

Want to learn why a long-term care solution should be a part of your financial strategy? Click here to read this article. https://bit.ly/3T8EECT

What have you done to pursue your dreams?

Unlike toys, clothes, or games, life insurance is a gift that can’t be outgrown. Contact me to learn how permanent life insurance can help you give the children in your life the greatest gift of all—the gift of a more secure future.

Asia and Cory used the cash value of their permanent life insurance policy to fund the down payment on the new building for their gym. Life insurance provided Asia’s family with financial support more than once. Watch the full story here https://bit.ly/417UnnM

New York Life’s RISE The Empowerment Plan initiative strives to bridge the racial wealth gap by helping Black families develop financial strategies to build wealth now and for generations to come. Contact me today to learn how I can help you reach your financial goals.

Sarah and Jay’s children were the most important people in their lives, so they purchased life insurance to prepare for the unexpected. When Jay succumbed to a heart condition, it provided a financial lifeline for those he left behind. Smart insurance preparation ensured that emotional struggles weren’t compounded by financial hardship. Watch their full story here https://bit.ly/47qfuUu

If you're a new parent, I don't have to tell you how overwhelming the first few months can feel. But what I can offer you is some budgeting advice to help you manage your finances more effectively. Read these tips and reach out if you need more help. You got this!

Baby Budgeting: Financial Tips for New Parents | New York Life As a new parent, having a baby on a budget requires adjusting your finances. Use this financial advice from New York Life to help with your planning.

Managing budgets is so important in retirement. Here are some tips from AARP in how to spend less and save more money. https://bit.ly/47QbE6L

Through New York Life’s RISE The Empowerment Plan initiative, I can provide you with trusted ongoing financial education and guidance to ensure that you and your family reach your financial goals.

Roth accounts can provide you with a tax-free source of income during retirement but they’re also valuable for account beneficiaries. Learn more about Roth conversions and how to use them in your estate planning strategy.

Why a Roth Conversion Is a Powerful Estate Planning Tool | ThinkAdvisor Under the Secure Act, Roth IRAs allow beneficiaries to enjoy 10 years of tax-free account growth.

In 2011, New York Life launched an African American Empowerment initiative with the goal of creating multigenerational wealth for Black families. We can work together to identify your generational wealth planning needs and determine how life insurance can help your family build long-term financial security.