Pamela Ubaldo Augustine, PhD

Long-term care costs are affecting millions of seniors who need help with everyday activities. Read this article to discover how to protect your family with a well-thought-out strategy. https://bit.ly/48xWQd3

Diversify your portfolio and reduce risk by investing in a mix of stocks, bonds, and other asset classes.
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Financial security and retirement planning experts provide answers to important topics to help you plan for your golden years, such as caregiving, social security, and preparing younger generation for retirement.

Saving for yourself and others: caregiving and retirement There are many factors to consider when planning for retirement and calculating financial security, but one factor rarely gets the attention it deserves: caregiving. According to the TIAA Institute, one in five adult Americans provide uncompensated care to loved ones. This care typically requires 24...

These eight common estate planning mistakes can upend your best efforts to protect your family’s finances when you pass away. Here’s why.

Common Estate Planning Mistakes Have you managed to avoid the eight most common estate planning mistakes? Your family will thank you.

With all the uncertainty of the last few years, it’s hard to remember “normal” economic conditions, but 2024 may finally feature the elusive “return to pre-pandemic normal.” Let’s look at where we are now and what the year has in store.

Forbes Daily: Is A Soft Landing In Sight For The U.S. Economy? Inflation slows but remains above the Fed's target; The resilient U.S. consumer; Stock markets roar back; AI market optimism; Mortgage rates falling; and more

Did you know that 1 in 4 workers will suffer a disability during their career? Ensuring your employees have appropriate coverage is crucial. In the article below, we outline the differences between disability insurance and workers’ compensation. Check it out.

Disability Insurance vs. Workers Compensation | New York Life Being compensated for a work injury is not the same as having disability insurance. Learn the difference between workers compensation and disability.

It’s important to remember that taxes don’t stop once you’re retired, but you can take these steps throughout your working life to help minimize your tax obligations later.

How to Minimize Taxes in Retirement | The Motley Fool Retirees can follow these simple guidelines to help manage their tax situation. Here's what you need to know about taxes in retirement.

Using IDITs to reduce taxes and protect assets Want to keep more of your hard-earned wealth in your family's hands? Jeff Chadwick, JD, reveals the power of intentionally defective irrevocable trusts (IDITs) in this article, diving deep into the nuanced world of transfer taxes, estate taxes, and effective strategies to protect your assets. Using IDITs can not only reduce your taxes but also can ensure your wealth is secured for future generations. It's never too late to start planning your estate, but remember, professional consultation is key to tailor the best strategies for you. Read this article from Jeff Chadwick at Winstead, PC, to learn more!
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No matter what your financial goals are, now is the time to start mapping out a plan. Use these 12 tips as a guide to achieve financial fitness.
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I would like to take the time to introduce my support team! With over a century of experience in the industry, I am extremely humbled to work alongside each of these individuals and have them as a resource for my clients.

Looking for a way to prepay your life insurance premiums? Lock in a 12% interest rate for the first year and 6% for subsequent years on a Premium Deposit Account on select life insurance products. Speak to me today to learn more.

Today we honor the legacy of Dr. Martin Luther King, Jr. Together, let's reflect on his inspiring words and continue working toward a world of equality, justice, and unity.

Learn more about what’s currently shaping the markets. Read this quarter’s edition of The Eagle Edge here.
https://bit.ly/47EW6mc

Whether you’re reviewing employer benefits, changing jobs, or have a life change, now is a great time to connect, so I can work on a customized strategy to protect your income—and your future. Let’s talk soon.

NEW YORK LIFE EXPANDS SUITE OF PROTECTION-ORIENTED SOLUTIONS WITH NEW PARTICIPATING INDIVIDUAL DISABILITY INSURANCE POLICY Being prepared looks different across all phases of life. Understand what people like you typically consider when making their plans.

Figuring out how long you and your loved ones can afford to live without a paycheck if you were sick or injured can be daunting. A new solution from New York Life can help protect a portion of your income. Watch this short video and let’s connect.
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Join us for NYL’s Power of Knowing webinar on Sep. 18th at 2 PM EST with Dr. Michael Finke, sharing his simple and effective framework for a goals-based retirement income plan.
Register now at: https://bit.ly/3E7CF8Z

What’s your most valuable asset? Probably your future income. A foundation of any sound financial strategy is having protection of a portion of the income that might be lost if an injury or sickness prevented you from working. Call me to get started.

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.

“If something is important enough, even if the odds are stacked against you, you should still do it.” — Elon Musk

"Family time is sacred time and should be protected and respected."
― Unknown

“I don’t call it “Life Insurance,” I call it “Love Insurance.” We buy it because we want to leave a legacy for those we love.”

“Magic is believing in yourself. If you can make that happen, you can make anything happen.” — Johann Wolfgang Von Goethe

"Home is where you are loved the most and act the worst.”
― Marjorie Pay Hinckley

“Life insurance offers you Long-term Savings which will give huge benefits later, feel allowed to make inquiry.”

“Your passion is waiting for your courage to catch up.” — Isabelle Lafleche