Jianyi "Crystal" Luo,Agent with New York Life

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.

In June we raised $4788 for Tzu Chi USA .Walking for a Cause Initiative - Every Month, New York Life South Florida Office raises a Volunteer Grant for a non-profit organization. It has been a wonderful experience working with senior agent Evelyn Tai for such a good cause.

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?

In today’s economic landscape, financial stability is becoming more elusive than ever. But there is a solution – diversifying your income. What does that mean and is it a right strategy for you? Read this interesting article to find out more.
For more about income diversification and your personal financial strategies, please feel free to contact me.
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There are a lot of important reasons to save money, everything from emergencies and education to vacations and retirement. But are we saving what we should? Take a look at this interesting article to find out how much the various generations are actually saving. It may surprise you.
If you would like to talk about your savings plan or personal finances, please reach out.
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One reason why many people get overwhelmed with money management is they have too many accounts. It can quickly get messy and confusing. Here are some easy steps to get your finances streamlined and more manageable.
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If you have any questions about managing personal finances, I’ll be happy to help.
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This years’ tax deadline is fast approaching! Feeling the pressure? Don't sweat it, you're not the only one. Many people are hustling to get everything sorted out in time. This year, New York Life has put together a handy guide with tips to help ease the deadline frenzy.
If you have any questions about your taxes or personal finances, please reach out. For tax advice please consult your tax professional.

Did you finish your taxes? Great! Take a breath and relax. Now think about how you're going to spend your tax returns. While I'm sure you can think of plenty of fun ways, as a financial professional, I'd be remiss if I didn't suggest paying off your credit card debt, putting it in savings, or using it to purchase more coverage. For even more financially savvy suggestions, reach out.

5 reasons to consider whole life insurance | 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.

Your taxes in retirement might not be lower, and you could be facing a looming tax bill because of RMDs. Consider preparing now with Roth conversions.

Avert a Tax Surprise in Retirement: Get Ready With a Roth

No matter how successful you are, there's always room for more. More financial protection. More tax-advantaged strategies. More ways to build your wealth. Learn how our accumulation-focused life products can help your family get more out of your insurance.

Accumulation Focused Life Insurance | New York Life Grow your wealth while investing in your future with Accumulation Life Insurance from New York Life. Secure Wealth Plus and Market Wealth can do just that.

Worried about the way taxes could affect your standard of living in retirement? Tax diversification with life insurance can help you save more of your money. Contact me to find out how.

They say fools rush in. When it comes to retirement, they may be right. Make sure your golden years are spent living life to the fullest and start planning early. These tips can help make sure you're saving the right way, but if you want a more customized solution, reach out. I'm here to help.

6 things to consider when saving for retirement. | New York Life Retirement savings can be a complex topic, but there are a few key things to keep in mind to get started.

It may feel like the IRS taxes most of your hard-earned money, but some types of income are nontaxable.

Types of Income the IRS Doesn't Tax

Inheriting a Roth IRA can provide financial benefits, but understanding the rules and options is crucial. We'll cover everything you need to know in this guide.

Guide to Inheriting a Roth IRA While inheriting a Roth IRA can provide financial benefits, understanding the rules and options is crucial. This guide covers taxes and more.

Sudden, unexpected expenses can happen at any time. Finding ways to both prepare for and endure those difficulties is called financial resilience, and it should be part of your personal financial strategy.
In the meantime, if you have any questions about making your personal finances more resilient, please feel free to reach out. I’ll be happy to help!
This article is a great place to start:

3 tips to achieve financial resilience in 2024. See results from New York Life's Wealth Watch survey 2024 outlook.

2023 CEI’s Equality 100 Award Human Rights Campaign Foundation’s Corporate Equality Index is the national benchmarking tool on corporate policies, practices and benefits pertinent to le***an, gay, bisexual, transgender and q***r employees.

During Women’s History Month, join us in celebrating the countless contributions of women in our society. It’s a time to honor the remarkable women of the past who paved the way, as well as those today who continue to forge new paths. Take a moment to recognize the important women in our own lives who make a meaningful difference—not just during this month, but every day of the year.

A common misconception is that a spouse’s income is enough to cover the bills in the event of a disability. But two-income households tend to have higher fixed expenses—like mortgage payments—than single-income families. Even if that’s not the case for your family, other discretionary expenses will likely suffer if one income is eliminated. Learn how you can protect your family’s standard of living by adding individual disability insurance to your plan. ** The Two-Income Trap: Are Two-Earner Households More Financially Vulnerable?”, Center for Economic Studies, June 2019

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.

Small business owners, are you showing your employees the appreciation they deserve? Today is Employee Appreciation Day and New York Life is here to help you support your employees with valuable benefits like Life and Disability Insurance. Reach out and let's work together to determine the right solutions for you and your employees.

Small Business Employee Benefits | New York Life Provide financial protection for your employees through a benefits package. Learn about employee benefits for small business and other New York Life services.

Insure Your Love month may be coming to a close this February, but your need for coverage is year-round.

Celebrate National Mom and Pop Business Owners Day with me! As a New York Life agent, I know firsthand how our local businesses help our community. Join me and .

Small Business Insurance | New York Life Learn how small business solutions from New York Life can protect business owners and their employees with a variety of services.

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/3UUYLVY

From toothpaste to love languages, families share a lot of things. Why should life insurance be any different? Learn about the best life insurance options for families and reach out if you want to add one more thing to your shared list.

Life Insurance for Families | New York Life Family life insurance can protect your loved ones with help from New York Life. Learn which life insurance policy is best for your family.

The Child Tax Credit is a federal tax benefit that gives you a dollar-for-dollar deduction on your tax bill for dependent children under age 17. Take a look at how it works, who qualifies, and how to claim it on your upcoming tax return.

What Is the Child Tax Credit? | The Motley Fool Finally -- the kids are paying off. Find out how the Child Tax Credit works and how to claim it for the 2023 tax season.

We’re a proud supporter of month in February. The truth is, the next time you struggle with saying “I love you,” you can show them how much you care with life insurance.

Why Life Insurance Is Worth Your While at Any Age Each decade brings new milestones, but the advantages of having life insurance remain at every age.