Vincent M. Alcala, Licensed Agent with New York Life Insurance Company

How does the math work for today? 80% chance of rain for the day. Yet the only time there is any chance is 10am at 40%.

Happy New Year! May the closeness of your family, friends, and loved ones fill your heart with joy this year and all the years to come.

One key to a more secure retirement.
Research shows that many people close to retirement age have significant holes in their retirement plans, which can leave them financially at-risk during retirement. The solution lies in long-term planning. Check out this helpful article for steps you can take.
https://bit.ly/48y3sIP
If you have any questions about your retirement, please feel free to reach out. I’ll be happy to help!

May this holiday season bring happiness, joy, and prosperity to you and your loved ones.

Wrap up your holiday spending, now.
Keep your Holiday Season spending in check by following a few budgeting tips – that way, you're in charge, not the other way around! Here’s a great article to get you started: https://bit.ly/48fMijg
If you have any questions about developing a budget or your personal finances, please don’t hesitate to reach out. I’m here to help.

In today’s world it can be tough to save money. However, saving money is essential for protecting against financial challenges and unexpected expenses.
Discover a simple 3-step savings plan that anyone can follow in this article:
If you need help developing a financial strategy for your future, please feel free to give me a call.
https://bit.ly/3R1dY4m

This Thanksgiving, we're thankful for the opportunity to protect the ones you cherish most. Wishing you a safe and joyful holiday filled with gratitude, love, and peace of mind.

Estate planning isn't just for the wealthy; it's crucial for all. Having a plan is essential if you have loved ones. Start now to prevent future complications.
If you have any questions about estate planning, wills or trusts, please feel free to reach out.

Estates, Wills, and Trusts | New York Life Avoid complications by planning out your estate today. Learn the difference between a will and living trust in an estate plan.

Looking for a little more certainty with your money?
Check out this guaranteed interest rate.
Contact me today!

This Veterans Day, we salute the brave men and women who have served and sacrificed for our freedom. Your courage and dedication inspire us every day.

Only 57% of people in their midlife years believe they'll be able to retire. If you’re one of those people, here’s some good news. There are several ways to catch up on your retirement savings. Read this informative article to find out more.

https://bit.ly/40euuCf

If you have any questions about making plans for your retirement, please feel free to reach out.

Household debt, primarily driven by credit card debt, is on the rise in the U.S. Managing this debt may seem tough, but it's achievable. Check out these 7 tips to help you pay off debt and save at the same time.

If you need help with debt control or developing a strategy for a more secure financial future, reach out to me. I’m here to help.

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.

The Federal Reserve hasn’t indicated interest rate cuts are coming, so the overall cost of borrowing will stay relatively high. Find out what this means for home buyers and why you may want to consider buying a home while rates are stable.

The Fed Pauses Rate Hikes Again; No Relief for Housing Market - NerdWallet As the Fed pauses its campaign of rate hikes, the housing market remains hobbled by high interest rates and other challenges.

In July, nursing home and adult care costs surged by 2.4%, the highest monthly increase since 19971, driven by inflation. Planning for long-term care is crucial because 70% of adults who reach 65 need long-term support before passing away2. To learn more about the costs and the future of nursing home care, check out this article.

https://bit.ly/46s1DMm

If you have any questions about making plans for long-term care or retirement, please feel free to reach out.

1 Bureau of Labor Statistics
2 Study by The Urban Institute.

Are there potentially unclaimed retirement funds waiting for you? Around 25% of 401(k) plans are abandoned or forgotten, per recent estimates1. Curious about unclaimed benefits for you? Read this guide to know for sure:

https://bit.ly/3PE1NL2

If you have any questions about your financial goals for retirement, please don't hesitate to get in touch.

1. Capitalize. The True Cost of Forgotten 401(k) Accounts (2023). Accessed Jul 31, 2023.

According to a recent New York Life survey*, 15% of adults anticipate receiving an inheritance within the next 10 years. While this may seem promising, it's essential to recognize that this legacy money may not go as far as you think. There are economic realities that may get in the way.

If you have questions about creating a financial strategy, please feel free to contact me.

*https://nyl.co/47TfGMA

The economy continues to thrive with low unemployment and a slowdown in inflation. However, short-term interest rates continue to rise

If you have any questions about how to develop a solid financial strategy, please reach out to me!

How to Benefit From Rising Interest Rates Savers will get the best rates from top-yielding savings and money market deposit accounts at online banks.

Happy ! Whether you're in an office, a factory, or serving the community, know your effort and dedication make a difference.

I was honnored today with this amazing gift. At the ice rink I volunteer at, I have built numerous amazing relationships with the skaters. None as powerfully as the one with my little buddy James. I hadn't seen him in several weeks and when I did he lite up with joy and I guess so did I. This picture was taken as he ran up to me ​telling me all about the new things he has learned and all excited to see me. I always say I am glad to make a difference in their lives but they do the same to me. Good luck with your hockey endeavors and skate on.

🌟 Big News! 🌟 Tomorrow is the day we've been eagerly waiting for at Wheels to Prosper! We are absolutely thrilled to announce our much-anticipated car giveaway event! 🚗💨

We warmly extend an invitation to all of you to join us tomorrow at 11:00. This event is going to be truly remarkable as we witness the life-transforming power of generosity. Witness firsthand the incredible impact a simple gesture can have on someone's life. 🙌❤️

Don't miss out on this inspiring experience! Mark your calendars, set your alarms, and get ready to be a part of something truly special. We can't wait to share this unforgettable moment with all of you! See you tomorrow at 11:00! 🎉✨

Annuities can provide a reliable income stream in retirement. New York Life research has shown annuities can also help retirees feel happier and more confident in their investments. Read this article to find out how retirees' lives are impacted for the better by owning an annuity.

If you have questions about retirement or reaching your financial goals, please feel free to contact me.

New York Life is an Equal Opportunity Employer M/F/Disability/Veteran/Sexual Orientation/Gender Identity

Annuity owners report spending more, staying invested, and feeling happier in retirement. | New York Life Being prepared looks different across all phases of life. Understand what people like you typically consider when making their plans.

https://www.eventbrite.com/e/638331555867

When running a business, sometimes its the little things that hold us back. Taking care of yourself, your transportation, and over all protection can be easy, with the right guidance. Let the experts break down the requirements and the ease.

"Finding a good nursing home for yourself or a loved one may take time and effort, but it is well worth it. This article gives you important facts about nursing homes today and tips on how to search for a high-quality facility.

https://bit.ly/3JMCnI0

If you have questions about retirement or reaching your financial goals, please feel free to contact me.

New York Life is an Equal Opportunity Employer M/F/Disability/Veteran/Sexual Orientation/Gender Identity "

10 Things You Should Know About Nursing Homes Chronically understaffed and expensive, nursing homes have changed over the years, much of it for the worse. But they fill a need for many. How do you find a good one?

From backyard BBQs to fireworks in the park—hoping your Fourth of July is filled with food, family, and fun! From my family to yours, happy .

The value of money in everyday life is a lesson that all children should be taught. This article has some great ideas and tips for teaching your kids about money and how inflation has such a big impact.
https://nyl.co/46kFj8q
Aside from teaching your kids, if you have questions yourself about finances or investing when inflation is so widespread, please feel free to contact me.

‼️‼️‼️Tomorrow ‼️‼️‼️
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Come join us tomorrow at the Federal Way Farmers Market at the Commons Mall. We will be there from 9am-3pm. We will have a bunch of goodies for the kids, swag and raffles for:

🥂&📽- Date night for two (dinner & a movie)
🏉- Seahawks tickets
⚾️- Mariner Tickets

So come check out the 70 vendors there and support some cool local businesses andwin yourself some awesome prizes. Can't wait to see you guys there.

There are many older adults facing a retirement with no or insufficient income sources. There are still several ways to stash some cash for those golden years. This article contains seven strategies that can help you in both the short and long term.
https://money.usnews.com/money/retirement/articles/the-best-ways-to-boost-retirement-savings-after-age-50 If you have questions about reaching your retirement goals, please feel free to contact me.

On , we honor and remember the brave men and women who gave their lives in service to our country. We are forever grateful for their sacrifice and the freedoms they have secured for us.

Leaving a steady paycheck behind can be a scary thing. However, working with a financial professional is the best way to figure out how much monthly income you’ll actually need in retirement. See how much other retirees make and spend in this inciteful article. https://money.usnews.com/money/retirement/articles/what-is-a-good-monthly-retirement-income If you have additional questions about reaching your retirement goals, please feel free to contact me.