Luis "Alex" Montemayor, Financial Professional with New York Life

Top savings goals deferred for child-rearing expenses: retirement (28%), education (21%), emergencies (21%)

Wealth Watch midyear outlook: Americans adjust spending strategies to cope with inflation, make progress on debt management. New York Life’s latest Wealth Watch survey finds that inflation and credit card debt continue to present challenges for everyday Americans, despite some progress.

Americans have been awaiting an update on rate cuts. This piece breaks down the latest and potential impacts to the economy.

So we’re expecting a rate cut. When will we start to see a difference in the economy? | CNN Business If you’ve been anxiously awaiting financial relief from the Federal Reserve, you are about to get a rude awakening.

How rising taxes affect your finances.
Taxes are crucial to personal finances, and staying informed is key. This article discusses individual tax rates, the national debt, and projected tax increases over the next decade. The analysis is data-driven and provides a comprehensive look at what we might expect in the coming years. Article is for information purposes only. Consult your own tax advisor to tax advice.
Let's discuss how this might impact your financial situation.
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Financial security means having the right financial strategy for your goals. That's why I offer trusted guidance to help you make informed financial decisions for your future. Reach out, and together we can create a strategy that works for you.

Happy Labor Day! Here's to all the hard workers who deserve a day of acknowledgement and gratitude for all they do.

Women often face some form of wage disparity during their working years. Over time, this discrepancy can really add up. The good news is there are ways you can catch up on your savings. Reach out and together we'll come up with a strategy that will prepare you for the financial future you deserve.

The minimum credit score for a mortgage loan depends on the type of loan you’re applying for. Here’s how they work.

What Credit Score Is Needed to Buy a House? Understanding how lenders use credit scores can give you an edge when you apply for a mortgage loan.

A recent study showed that people who own life insurance feel more secure in their financial decisions. Contact me to learn more.

Insurance Policies | New York Life Insurance policies help protect your family now and in the future. Learn how our agents can help you design personalized solutions.

Student loans are among the biggest debts for Americans. Lowering these debts can provide significant financial relief. This article discusses ways to reduce your monthly payments amidst recent changes in student loan relief.
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If you have questions about how student debt affects your finances, please contact me.

A recent study showed that people who own life insurance feel more confident about retirement. Contact me to learn more.

Insurance Policies | New York Life Insurance policies help protect your family now and in the future. Learn how our agents can help you design personalized solutions.

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.

A recent study showed that people who own life insurance feel more optimistic about their family's financial future. Contact me to learn more.

Insurance Policies | New York Life Insurance policies help protect your family now and in the future. Learn how our agents can help you design personalized solutions.

We all must deal with grief at some point in our lives. Learning to understand and process it is important for yourself, your family, and the people you care about. This site offers videos, techniques, strategies, and readings about how to cope with grief. Learn how to talk about death openly, honestly, and in an age-appropriate way.
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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.

With back-to-school season upon us, it's a great time to think about your long-term financial goals. Whether it's saving for college, planning for retirement, or ensuring your family's financial security, I'm here to help every step of the way. Reach out, and let's work together to make sure you're prepared for whatever the future holds.

Financial security means having the right financial strategy for your goals. That's why I offer trusted guidance to help you make informed financial decisions for your future. Reach out, and together we can create a strategy that works for you.

Loud budgeting is a social media trend that can help you set financial boundaries and say no to expenses that don’t align with your money goals. Learn the benefits of loud budgeting and how to implement it in your own life.

How the 'loud budgeting' trend could help you save more money

As this summer season comes to a close, don't forget to prepare for all the ones ahead. Reach out to learn how I can help you safeguard your family and build a more secure future.

A recent study showed that people who own life insurance feel better prepared for the future. Contact me to learn more.

Insurance Policies | New York Life Insurance policies help protect your family now and in the future. Learn how our agents can help you design personalized solutions.

When it comes to choosing a place to live, taxes – including no income tax states – sometimes influence the decision-making process. However, there are many factors and types of taxes to consider no matter which state you live in or move to.

Are No Income Tax States Better to Live In? There are many factors and types of taxes to consider no matter which state you live in or move to.

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

We’ve got some answers to questions like what is inflation, really? What causes it? And how will it affect your personal finances? Read this insightful article to find the answers to some of the most frequently asked inflation-related questions.
If you like to talk about how today’s inflation may be affecting your own personal finances and what you can do about it, please reach out.

Inflation explained: Everything to know in 3 minutes or less. What does inflation actually mean? And how can it impact your financial situation?