Miguel A. Morales, Registered Representative with NYLIFE Securities, LLC

For LGBTQ+ business owners, success means so much more—for your community, for your employees, and for your own heart and soul. As a New York Life financial professional, I can provide customized solutions to help protect and grow your business. Reach out today and learn more about how I can help.

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.

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

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:
https://bit.ly/4dDAhXq

If you have any questions about reaching your personal financial goals and would like to discuss your strategies, please feel free to contact me.

Summer break meant spending more time with the grandkids, but what will that mean for your savings? From budgeting tips to retirement income strategies, I can help you make the most of your retirement. Reach out, and let's discuss your goals together.

While it's true women have longer life expectancies, it can often make funding retirement that much harder. As you face unique challenges on your road to financial security, it's important to have someone by your side who knows how to navigate them. Whether retirement is around the corner or still a long ways off, learn what you can do now to better prepare for the road ahead and let's chat.

5 steps to bridge the retirement savings gender gap. Learn about five ways you women catch up in retirement savings.

IRS issues new guidance for inherited IRAs, digital advertising taxes, wealth taxes, industry updates and more. Planning ahead can help with the unexpected.

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After two years of higher interest rates, inflation and employment data are pointing to a potential Fed cut. Lauren Goodwin and Julia Hermann - the strategists at New York Life Investments - discuss why this may be the case, what to watch, and what it means for the economy, markets, and investors.
https://bit.ly/4dqDl96

You may not think you need life insurance when you're young and healthy, but that's actually the best time to get it. The right policy can help you pay for expenses, grow wealth over time, and save money by locking in your rates early. Reach out and do more for your financial health.

The Dougherty Family College at the University of St. Thomas in Minneapolis, MN is working to eliminate educational attainment gaps. Read to find out more about how to support low-income college students.

How To Support Low-Income College Students The Dougherty Family College at the University of St. Thomas in Minneapolis, MN is working to eliminate educational attainment gaps.

https://www.wsj.com/economy/housing/baby-boomers-big-homes-real-estate-inventory-3a047cb6?mod=e2li

Boomers Bought Up the Big Homes. Now They’re Not Budging. Many empty-nesters are staying put rather than downsizing, keeping housing inventory tight in a market where higher interest rates and steep prices are making homeownership less affordable for the average family.

Rates going down on Monday...

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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According to New York Life's Wealth Watch 2024 outlook survey, only 37% of adults met or exceeded their savings goal for 2023 without having a financial strategy. Want to achieve more of your financial goals? Reach out, and I'll help you come up with a strategy for the rest of 2024 and beyond.

I am so proud to have qualified for New York Life’s Executive Council and stand among my peers who put love into action each and every day.

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.
https://bit.ly/3WkuCzM

Let's have a meeting before the summer makes things crazier..."

Happy Independence Day! As we celebrate our nation's freedom, let's also take a moment to reflect on financial independence. Whether you're planning for retirement, investing, or saving for a big goal, I'm here to help you achieve your financial dreams.

I'm Your Captain....TT me @ rollovers!!!
https://youtu.be/A_t59To7Snk?si=UChxlzEBNGvyM-pU

As a parent, one of the greatest gifts you can give yourself—and your family—is the assurance of a secure retirement. That's why it's important to plan ahead to ensure financial stability during your non-working years. This Parents' Day, give your future self a pat on the back by reaching out and letting me help you build the retirement you deserve.

Learn more about private mortgage insurance (PMI) and how it might impact buying a home.

What is Private Mortgage Insurance and How Does It Impact Buying a Home? Rising home prices and higher mortgage rates have made it more difficult to afford a down payment large enough to avoid PMI.

For better or worse, finfluencers have dedicated followers across social media platforms. Before you take any financial guidance, ask these three questions.

Can You Tell a 'Finfluencer' From a Flimflammer? For better or worse, finfluencers have dedicated followers on YouTube, TikTok and elsewhere. Before you take any financial advice, ask these three questions.

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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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

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

Knowing how you want to spend your retirement is easy. Knowing how you should spend money during your retirement can be trickier. From making sure you've saved enough to generating income in retirement, I can work with you to ensure there are no gaps in your retirement strategy. Read these tips to start, and let's talk.

Planning for Retirement – Strategies and Insurance | New York Life New York Life can help you identify the insurance, investment solutions, and strategies to make your savings last.

Social Security benefits are a vital part of your retirement income. Know your options.
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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?

1973 Park Avenue Intermediate with Mr. Leong, on top.
Circa 2015 from a kind friend.