Perla Thomas, Financial Services Professional with Nylife Securities LLC

Paying off debt is important, but it shouldn't be at the expense of your future goals. By starting small and staying consistent, you can pave the way for a brighter financial future while tackling debt head-on. Here are some tips to help you get started. For a more individualized approach, reach out and let's talk.

Should I Pay Off Debt or Invest? | New York Life Should you pay off debt before investing? Learn why it's important to pay off debt while continuing your investment strategy.

Can't seem to pay down your debt fast enough? Managing debt isn't just about finances, it's about your peace of mind. While it can be challenging to pay off debt and save at the same time, here are 7 tips to help you take back control of your financial future. For even more tips, let's talk.

Tips on how to pay off debt and save at the same time It can be challenging to pay off debt and save at the same time, but it is possible using these tips.

Employee life insurance can be a desirable benefit, but it also has its limits. For one, you can't take it with you when you leave your job. Learn how individually-owned life insurance from New York Life can give you more options—and more coverage—and reach out if you want to talk.

Is employee life insurance enough for you? | New York Life Employer provided life insurance is a valuable benefit, but it's not always enough. Learn how to supplement your policy's coverage from a New York Life agent.

Concerned about falling short on your goals in retirement? Learn about strategies you can employ now to help avoid a "retirement gap."

Caring for an aging parent is never easy, especially for LGBTQ+ individuals facing their own unique obstacles. But there are steps you can take to ease the financial burden. As someone who understands the emotional and financial toll firsthand, reach out, and let's navigate the complexities of long-term care planning together.

Financial Tips for the Sandwich Generation. We can help you create a temporary, long-term, or permanent life insurance solution that meets your needs and your budget

For the strategists at New York Life Investments, the U.S.-China tech relationship is near the top of their geopolitical analysis. From TikTok to chip production, the past few weeks have seen several developments in this relationship, carrying both risks and opportunities. Tune in to the latest episode of the Market Matters podcast.
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If you were to get sick or injured, how long could you afford to live without a paycheck? While nobody expects a debilitating event to happen to them, the truth is, it could happen at any time. Click the link to learn how New York Life's customizable individual disability insurance can help protect your lifestyle and future, and reach out if you want to talk about your options.

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.

Can the Fed cut rates when inflation and labor market data are still strong? Our Global Market Strategy team shares their view alongside new market-moving data.

Chair Powell’s “Greenspan moment” Can the Fed cut rates when inflation and labor market data are still strong?

Make an impact in the areas that matter most to you, while still moving towards your financial goals. Learn more about sustainable investing.
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Every parent wants to make sure their children will have what they need after they are gone, but when you care for a child with autism, you want to make extra sure. The good news is life insurance can help. Learn about the benefits of using life insurance as a wealth transfer tool and reach out to discuss a solution tailored to your family's needs.
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By incorporating life insurance into your strategy, you can protect your loved ones while still being able to plan for the future.

Playing Offense with Life Insurance | New York Life When dealing with your own financial future, risk has real-world consequences. Learn how life insurance can help defend against financial risks.

As an agent, I get to see how our inclusive approach empowers clients from all walks of life to achieve their financial goals. I'm proud to be part of a team that views the world in all its colors. Reach out to me to discover how we can work together for your future.

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.

For many new families, the idea of buying a home can feel like a dream—particularly once you calculate the mortgage. While high interest rates continue to make home ownership difficult, there are steps you can take to make your dream more within reach. Read these tips and let's talk.

Buying a home amid higher mortgage rates? Follow these tips. Learn about 10 tips for overcoming higher mortgage rates.

Sticky inflation is creating a challenging situation for the Fed. With the market pricing out near-term Fed cuts, our Global Market Strategy team shares their views on when the Fed could begin its rate cutting cycle.
https://bit.ly/3JCosUm

Tax-free transfers from IRAs to CRTs and CGAs
IRA owners who want to support a specific charity but also like the idea of receiving a lifetime stream of steady payments can now do both, thanks to a new law described in this article from Professor Chris Hoyt. Learn how donors can retain income from donated funds while ensuring future support for their chosen causes and take full advantage of this evolving landscape of charitable giving options.
https://bit.ly/44pqeBN

Sometimes companies overwork employees, and other times employees overwork themselves, leading to mental and physical problems and family disintegration. Here's how to recognize the difference.

10 Steps To Prevent Overwork From Destroying You, Your Career And Your Family

Many people worry about the possibility of passing their debts to their children, particularly when managing substantial debts like a $300,000 mortgage against $100,000 in savings and no life insurance.

I Have A $300,000 Mortgage, $100,000 In My Savings And No Life Insurance. Will My Children Be Responsible For My Debt? Many people worry about the possibility of passing their debts to their children, particularly when managing substantial debts like a $300,000 mortgage against $100,000 in savings and no life insurance. Understanding debt inheritance and effective financial planning is crucial to preventing this sce...

With a new child, your taxes will get more complicated. But you may qualify for some of the new tax credits and deductions. Here’s what you need to know for the 2024 tax season.

2024 tax season guide for new parents: What to know about the Child Tax Credit, EITC and more Had or adopted a child in 2023? What new parents need to know about tax credits and deductions. Importantly, the enhanced Child Tax Credit went away in 2022.

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.

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.

In the event of a disability, two-income households are 10% more likely than married couples with a single income to file bankruptcy due to higher fixed expenses*. 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, June2019

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.

It's that time of year again for two things—spring cleaning and taxes. While I can't help you organize your closets, I can help make your tax season more of a breeze. Ditch the last-minute scramble and embrace a stress-free filing journey with these practical tips.

Don't dread tax season: Gear up for smooth sailing with these organization tips. We can help you create a temporary, long-term, or permanent life insurance solution that meets your needs and your budget

China’s economic woes have been in the news lately, but investors’ picture is more dynamic: should we focus more on the risks of China’s old economic model, or the opportunities of its new one? Valentina Chen, Co-Head and Portfolio Manager of MacKay Shields’ Emerging Markets Debt team, joins Market Matters to share her perspective.

Market Matters Podcast This week, Super Tuesday marked a major point of progress in the 2024 U.S. president election.

Can't seem to pay down your debt fast enough? Managing debt isn't just about finances, it's about your peace of mind. While it can be challenging to pay off debt and save at the same time, here are 7 tips to help you take back control of your financial future. For even more tips, let's talk.

Tips on how to pay off debt and save at the same time It can be challenging to pay off debt and save at the same time, but it is possible using these tips.

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.

From breadwinner to caretaker, women often wear many hats in a household. Financial expert doesn't have to be one of them. In understanding the unique challenges women face, I can help you prepare for the future by protecting the ones you love, developing a financial strategy, and securing your retirement. This , take bold steps today to build a better tomorrow for you and your family.

New York Life Wealth Watch survey finds key financial differences among American families. We can help you create a temporary, long-term, or permanent life insurance solution that meets your needs and your budget

Just when you think you have it all figured out, life throws you a curveball, but having someone who understands your challenges can help you get back on track. As a New York Life financial professional, I've helped countless families navigate life changing events. Learn more about how I can help you reach your goals and contact me if you want to chat.

How to Get Life Insurance | New York Life Looking to buy life insurance, but not sure where to start or how much coverage you need? Here are some tips for purchasing a life insurance policy.

Don't press your luck when it comes to retirement. Learn how adding a fixed annuity to your savings strategy can provide a guaranteed, sustainable way to maintain income in retirement—as well as offer the security and peace of mind needed to face the future with confidence. If you have questions, reach out. I'm here to help.

Annuities address fear about risk | New York Life With the concept of "minding the risk gap", start feeling confident and in control of the retirement planning process.