Nicholas Aubin, Registered Rep with BGS Capital

Happy to announce I just changed firms. It was a good year and a half at NYL but I am happy to take on a new challenge and offer more to my clients

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

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.

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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.

"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/3XENU1C

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/44fyPWs
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.

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.

Watch Mary Beth Franklin, award-winning journalist and columnist, discussing how to make the most out of Social Security.

View the webinar on-demand at: https://bit.ly/3NgRtaR

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.

Tax time has come and gone. While your mind is still in a money mode, this is a great time to do an income tax health check. This great article from New York Life includes five things you can do to help minimize your taxes for the future. If you have any additional questions about your taxes or personal finances today, please contact me.

Make filing your tax return the start of your financial health check. Plan your tax strategy with five top tax season financial planning considerations from refunds to cashflow and investment-related deductions.

Will Social Security run out? The short answer is “yes”. If Congress doesn't make changes to Social Security by 2035, your benefits may be reduced. Here’s what you need to know about the status of Social Security now, how it may affect your retirement, and what you can do about it.

https://yhoo.it/3VaJf6E

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

Time to get your debt under control. Managing your debt can be a real challenge. Debt consolidation is one effective way to wrangle your debt and there may be other options available, depending on your circumstances. This article has everything you need to know about debt consolidation, some alternatives, and how to get started.

https://money.usnews.com/loans/personal-loans/articles/what-is-debt-consolidation-and-how-to-do-it

If you have any additional questions about debt and taking control of your finances, please contact me.

This month we pay tribute to the generations of Black Americans who struggled with adversity and celebrate the numerous contributions and achievements of the Black community throughout our history.

According to the latest Wealth Watch survey, Gen Xers reported the highest levels of anxiety and the lowest levels of hope regarding their finances when compared with other generations. Read the full report here and let’s come up with a strategy for you.

Wealth Watch: Gen Xers are the most worried about their financial health. New York Life's latest Wealth Watch survey reveals Gen Xers are the most worried about their financial health.

In most states, Social Security disability benefits aren’t enough to cover living expenses. Learn how your state stacks up and what avenues you can turn to for additional help.

Where Disability Benefits Are Worth the Most: How Your State Stacks Up Recipients of Social Security disability benefits rely on the monthly check as a vital source of income, but in no state does it match up to the livable wage.

With inflation rising, now's a good time to make your portfolio more inflation-proof. Learn more. http://www.eaglestrategies.com/public_files/Inflation_Fact_Sheet_-_Eagle_-_final1.pdf

Gen Xers who have a financial strategy are focused on three key components in 2023: Building emergency funds (45%), being on track to retire at their desired age (44%), and paying off credit card debt (40%). Learn more in the latest Wealth Watch survey.

Wealth Watch: Gen Xers are the most worried about their financial health. New York Life's latest Wealth Watch survey reveals Gen Xers are the most worried about their financial health.

Do you know that inheriting assets can be more tax-efficient for loved ones than receiving gifts? Familiarize yourself.http://www.eaglestrategies.com/public_files/Planning-Essentials-A-Step-Up-in-Basis-and-Why-it-Matters-in-Estate-Planning-Eagle-Final1.pdf

Spring is a time for new beginnings and new strategies. Learn how tax-efficient retirement planning can help you grow your savings and be better prepared for your autumn years.

Tax Planning Strategies for Retirement | New York Life Read how to potentially minimize taxes on retirement income by using these tax planning strategies for and tax advantaged accounts.

The use of outdated vocational listings makes it difficult to qualify for disability benefits through the Social Security Administration. A recent Washington Post article reveals how the Social Security Administration uses a list of jobs that was last updated in 1977 to decide if a person is still able to work today. Read the full article here:

Social Security denies disability benefits based on list with jobs from 1977 Despite spending at least $250 million to modernize its system, Social Security still relies on 45-year-old job titles to deny thousands of disability claims.

Most people don't plan to become a caregiver, but if your loved one needs help, you'll be there to offer it without hesitation. Learn how you can be better prepared to handle a long-term illness or injury.

Learn To Adjust To Caregiving For A Spouse | New York Life Being a caregiver for a spouse can be emotionally, physically, and financially taxing. Learn from New York Life what you can do to help prepare.

When it comes to retirement, how do people really feel? Do they want to retire early, later, or not at all? Find some interesting answers in this 2023 Harris Poll survey asking thousands of Americans how they feel about their retirement:
https://bit.ly/3KgBo3f
Do you have more retirement questions? Please reach out to me. New York Life Insurance company and its employees do not provide tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances. "

Survey: Some Americans who plan to retire say they’ll leave the workforce early - NerdWallet Most Americans plan to retire, and those who do plan to retire expect to quit full-time work at age 57, on average, a new NerdWallet survey finds.

There's no better way to spend Month than with a little time spent boosting your financial literacy. Whether you want to protect your family's future, prepare for retirement, or even grow your wealth, these articles can help.

Financial Resources and Solutions - We're Here to Help | New York Life Discover insights from New York Life for the big and not so big decisions. Browse our wide assortment of financial resources and find the solutions you need!

Whether you prefer predictability or flexibility, relationships and insurance policies are a lot alike—there's a match for everyone. Learn which type you are when it comes to protecting the ones you love most.

Whole Life vs Universal Life Insurance | New York Life Learn the difference between universal and whole life insurance, and determine which policy from New York Life can help with your financial objectives.

If you're like most millennials, overwhelming debt, including student loans, can be a roadblock to your financial freedom. This learn what you can do to eliminate debt, and reach out for more tips on achieving financial security.

Debt Payoff Strategies For Millenials | New York Life These 6 debt payoff strategies for millennials from New York Life are designed to help young people keep their head above water and avoid crippling debt.

According to a Bankrate survey, 55 percent of American workers are behind on their retirement savings. Learn how you can get ahead and create a more financially secure future.

Retirement Plans in 2023: Choosing the Right Account | Entrepreneur Retirement planning can easily be overlooked while juggling your career, raising children, paying off debt, and enjoying today. In fact, according to a Bankrate survey conducted in 2022, 55 percent...

Debt can have a significant impact on your credit rating and your future, but paying it down shouldn't be an all-or-nothing approach. This learn how you can better handle debt without limiting your financial future.

Debt management | New York Life Paying off debt can feel overwhelming. Discover with New York Life how managing debt allows you to pay it over time without limiting your future.