Domain > josephscaccia.com

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DNS Resolutions

Date	IP Address
2025-08-08	40.90.64.66 (ClassC)
2026-01-20	13.107.253.70 (ClassC)

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Pro,Arial,sans-serif	);--core__font_tertiary:var(		--core__font-themed_secondary,Tahoma,Arial,sans-serif	);--core__color_primary:#0079c2;--core__color_secondary:#3a7ca6;--core__color_tertiary:#002840;--core__color_quaternary:#243641;--core__color_functional:#e7ecef;--core__color_auxiliary:#1d5273;--core__color_dark:var(--core__color_tertiary);--core__color_light:var(--core__color_functional);--_core__overline_color:var(--core__color_tertiary);--core__font_color_primary:var(--core__color_tertiary);--core__font_color_secondary:var(--core__color_quaternary);--_core__heading_color:var(--core__font_color_primary);--_core__heading_color--h1:var(--core__font_color_primary);--_core__heading_color--h2:var(--core__color_black);--_core__heading_color--h3:var(--core__color_black);--_core__heading_color--h4:var(--core__color_black);--_core__heading_color--h5:var(--core__color_black);--_core__heading_color--h6:var(--core__color_black);--_core__paragraph_color:var(--core__color_black);--_core__heading_font-family--h1:var(--core__font_primary);--_core__heading_font-family--h2:var(--core__font_primary);--_core__heading_font-family--h3:var(--core__font_secondary);--_core__heading_font-family--h4:var(--core__font_secondary);--_core__heading_font-family--h5:var(--core__font_secondary);--_core__heading_font-family--h6:var(--core__font_secondary);--_core__paragraph_font-family:var(--core__font_secondary);--_core__heading_font-size--h1:58px;--_core__heading_font-size--h2:42px;--_core__heading_font-size--h3:28px;--_core__heading_font-size--h4:24px;--_core__heading_font-size--h5:22px;--_core__heading_font-size--h6:14px;--_core__paragraph_font-size:16px;--_core__heading_font-weight--h1:400;--_core__heading_font-weight--h2:400;--_core__heading_font-weight--h3:500;--_core__heading_font-weight--h4:500;--_core__heading_font-weight--h5:500;--_core__heading_font-weight--h6:500;--_core__paragraph_font-weight:400;--_core__heading_letter-spacing--h1:0;--_core__heading_letter-spacing--h2:0;--_core__heading_letter-spacing--h3:0;--_core__heading_letter-spacing--h4:0;--_core__heading_letter-spacing--h5:0;--_core__heading_letter-spacing--h6:2px;--_core__paragraph_letter-spacing:0;--_core__heading_line-height--h1:64px;--_core__heading_line-height--h2:48px;--_core__heading_line-height--h3:32px;--_core__heading_line-height--h4:28px;--_core__heading_line-height--h5:28px;--_core__heading_line-height--h6:16px;--_core__paragraph_line-height:24px;--_core__heading_text-transform--h1:none;--_core__heading_text-transform--h2:none;--_core__heading_text-transform--h3:none;--_core__heading_text-transform--h4:none;--_core__heading_text-transform--h5:none;--_core__heading_text-transform--h6:uppercase;--_core__paragraph_text-transform:none;--_core__heading_mobile_font-size--h1:38px;--_core__heading_mobile_font-size--h2:34px;--_core__heading_mobile_font-size--h3:30px;--_core__heading_mobile_font-size--h4:24px;--_core__heading_mobile_font-size--h5:20px;--_core__heading_mobile_font-size--h6:14px;--_core__heading_mobile_line-height--h1:46px;--_core__heading_mobile_line-height--h2:40px;--_core__heading_mobile_line-height--h3:38px;--_core__heading_mobile_line-height--h4:28px;--_core__heading_mobile_line-height--h5:24px;--_core__heading_mobile_line-height--h6:16px;--_core__heading_mobile_font-weight--h1:400;--_core__heading_mobile_font-weight--h2:400;--_core__heading_mobile_font-weight--h3:500;--_core__heading_mobile_font-weight--h4:500;--_core__heading_mobile_font-weight--h5:500;--_core__heading_mobile_font-weight--h6:500;--_core__paragraph_mobile_font-weight:400;--_core__heading_color--h1-light-themed:var(--core__color_black);--_core__heading_color--h2-light-themed:var(--core__color_black);--_core__heading_color--h3-light-themed:var(--core__color_black);--_core__heading_color--h4-light-themed:var(--core__color_black);--_core__heading_color--h5-light-themed:var(--core__color_black);--_core__heading_color--h6-light-themed:var(--core__color_black);--_core__link_color:var(--core__color_primary);--_core__link_color_light-themed:var(--core__color_dark);--_core__link_color_dark-themed:var(--core__color_dark);--_core__link_text-decoration:underline;--_core__body_font-weight-bold:600;--_core__body_max-width:100vw;--_core__body_text-align:left;--_core__body_justify-content:flex-start;--_core__body_text-transform:none;--_core__header_color:var(--core__color_black);--_core__subline_color:var(--_core__header_color);--_core__container_background_white:var(--core__color_white);--_core__container_font_color_white:var(--core__color_black);--_core__container_font_anchor_color_white:var(--core__color_primary);--_core__container_background_white-themed:var(--core__color_white);--_core__container_font_color_white-themed:var(--core__color_tertiary);--_core__rows_font_color_white-themed:var(--core__color_black);--_core__rows_headline_font_color_white-themed:var(--core__color_black);--_core__container_control-color:var(--core__color_auxiliary);--_core__container_control-color-hover:var(--core__color_white);--_core__container_control-background-hover:var(--core__color_auxiliary);--_core__container_control-color-active:var(--core__color_white);--_core__container_control-background-active:var(--core__color_auxiliary);--_core__container_svg_stroke-color:var(--core__color_auxiliary);--_core__container_control-color-light:var(--core__color_auxiliary);--_core__container_control-color-hover-light:var(--core__color_white);--_core__container_control-background-hover-light:var(		--core__color_auxiliary	);--_core__container_control-color-active-light:var(--core__color_white);--_core__container_control-background-active-light:var(		--core__color_auxiliary	);--_core__container_svg_stroke-color-light:var(--core__color_auxiliary);--_core__container_control_carousel_svg_stroke:var(		--_core__container_control-background-active	);--_core__container_control_carousel_svg_fill:var(--core__color_white);--_core__container_control_nav_item-font-family:var(		--core__font_secondary	);--_core__container_background_light:var(--core__color_functional);--_core__container_font_color_light:var(--core__color_tertiary);--_core__container_font-family:var(--core__font_secondary);--_core__container_color:var(--core__color_quaternary);--_core__container_headline_font_color_light_themed:var(		--core__color_tertiary	);--_core__container_text_font_color_light_themed:var(--core__color_black);--_core__container_link_font_color_light_themed:var(		--core__color_tertiary	);--_core__container_background:var(--core__color_white);--_core__container_background-dark:var(--core__color_secondary);--_core__container_max-width:1280px;--_core__container_background_themed_gray:var(--core__color_functional);--_core__container_background_themed_light:var(--core__color_functional);--_core__container_background_themed_dark:var(--core__color_functional);--_core__button_font-family:var(--core__font_secondary);--_core__button-primary_color:var(--core__color_white);--_core__button_font-size:16px;--_core__button_line-height:24px;--_core__button_font-weight:500;--_core__button_letter-spacing:0;--_core__button_text-transform:none;--_core__button_border-color:transparent;--_core__button_border-style:solid;--_core__button_border-width:2px;--_core__button_outline-color:var(--core__color_focus);--_core__button_outline-offset:2px;--_core__button_outline-style:dashed;--_core__button_outline-width:2px;--_core__button_border-radius:var(		--_core__button-themed_border-radius,40px	);--_core__button_padding:10px 40px;--_core__button_height:44px;--_core__button-primary_border-radius:var(		--_core__button-themed-primary_border-radius,3rem	);--_core__button-primary_background_color:var(--core__color_primary);--_core__button-primary_background_color_themed-grey:var(		--core__color_tertiary	);--_core__button-primary_color_themed-grey:var(--core__color_white);--_core__button_secondary-color_themed-grey:var(--core__color_tertiary);--_core__button_tertiary-color_themed-grey:var(--core__color_tertiary);--_core__link_color_themed-grey:var(--core__color_tertiary);--_core__calculator-section-text-button-background_themed-grey:var(		--core__color_tertiary	);--_core__calculator-section-text-button-color_themed-grey:var(		--core__color_white	);--_core__button-primary_background_color_themed-light:var(		--core__color_tertiary	);--_core__button-primary_color_themed-light:var(--core__color_white);--_core__button_secondary-color_themed-light:var(--core__color_tertiary);--_core__button_tertiary-color_themed-light:var(--core__color_tertiary);--_core__calculator-section-text-button-background_themed-light:var(		--core__color_tertiary	);--_core__calculator-section-text-button-color_themed-light:var(		--core__color_white	);--_core__button-primary_background_color_themed-dark:var(		--core__color_tertiary	);--_core__button-primary_color_themed-dark:var(--core__color_white);--_core__button_secondary-color_themed-dark:var(--core__color_tertiary);--_core__button_tertiary-color_themed-dark:var(--core__color_tertiary);--_core__calculator-section-text-button-background_themed-dark:var(		--core__color_tertiary	);--_core__calculator-section-text-button-color_themed-dark:var(		--core__color_white	);--_core__navbar_background:var(--_core__nav_background);--_core__navbar_color:var(--_core__nav_color);--_core__nav_background:var(--core__color_white);--_core__nav_border-color:var(--core__color_primary);--_core__nav_border-style:solid;--_core__nav_border-width:2px;--_core__nav_border-radius:12px;--_core__nav_color:var(--core__color_secondary--darkest);--_core__nav_height:100px;--_core__nav_min-width:280px;--_core__subnav_border-color:var(--core__color_primary);--_core__subnav_border-style:solid;--_core__subnav_border-width:2px;--_core__nav_button_background:var(--core__color_primary);--_core__nav_button_color:var(--core__color_white);--_core__nav_button_font-weight:500;--_core__nav_button_font:var(--core__font_secondary);--_core__nav-title_color:var(--core__color_secondary--darkest);--_core__nav-title_font-family:var(--core__font_secondary);--_core__nav-title_font-size:22px;--_core__nav-title_font-weight:500;--_core__nav-title_letter-spacing:0;--_core__nav-title_line-height:28px;--_core__nav-subtitle_color:var(--_core__nav-title_color);--_core__nav-subtitle_font-family:var(--_core__nav-title_font-family);--_core__nav-subtitle_font-size:14px;--_core__nav-link_background:transparent;--_core__nav-link_color:var(--core__color_secondary--darkest);--_core__nav-link_font-family:var(--core__font_secondary);--_core__nav-link_font-size:18px;--_core__nav-link_font-weight:normal;--_core__nav-link_letter-spacing:0;--_core__nav-link_line-height:24px;--_core__nav-link_background--hover:transparent;--_core__nav-link_color--hover:var(--core__color_secondary--darkest);--_core__nav-link_font-weight--hover:700;--_core__nav-sublink_background:var(--_core__nav-link_background);--_core__nav-sublink_color:var(--_core__nav-link_color);--_core__nav-sublink_font-family:var(--_core__nav-link_font-family);--_core__nav-sublink_font-size:var(--_core__nav-link_font-size);--_core__nav-sublink_letter-spacing:var(--_core__nav-link_letter-spacing);--_core__nav-sublink_line-height:var(--_core__nav-link_line-height);--_core__nav-sublink_background--hover:var(--core__color_grey--10);--_core__nav-sublink_color--hover:var(--_core__nav-sublink_color);--_core__nav-sublink_border-radius--hover:3px;--_core__subnav_background:var(--_core__nav_background);--core__footer-font-family:var(--core__font_secondary);--core__footer-font_color:var(--core__color_tertiary);--core__footer-background_color:var(--core__color_grey--10);--core__footer_nav-font_color:var(--core__color_tertiary);--core__footer-disclosure-link_text-decoration:underline;--core__footer-disclosure-label-color:var(--core__color_black);--core__footer-disclosure-label-weight:500;--_core__container_footer-border-color:var(--core__color_functional);--core__footer-disclosure-font-size:14px;--core__footer-disclosure-line-height:22px;--_core__footer-title_color:var(--core__color_quaternary);--_core__footer-title_font-weight:500;--_core__footer-subtitle_color:var(--core__color_quaternary);--_core__footer-subtitle_font-weight:500;--_core__footer-separator_border:2px solid var(--core__footer-font_color);--_core__footer-pencil-button_color:var(--core__color_tertiary);--core__footer_copyright-font_color:var(--core__color_tertiary);--core__footer_copyright-font-weight:400;--core__footer_copyright-link-font_weight:bold;--core__footer_facebook-color:#3b5998;--core__footer_linkedin-color:#0077b5;--core__footer_twitter-color:#55acee;--core__footer-button-background_color:var(		--_core__button-secondary_color	);--core__footer-button-color:var(--_core__button-primary_color);--core__footer-contact-icon_color:var(--_core__container_svg_stroke-color);--core__footer-contact-link_color:var(--_core__content_card-link-color);--core__footer-background_color--option-white:var(--core__color_white);--core__footer-font_color--option-white:var(--core__color_black);--core__footer-link_color--option-white:var(--core__color_primary);--core__footer-facebook--option-white:var(--core__footer_facebook-color);--core__footer-twitter--option-white:var(--core__footer_twitter-color);--core__footer-linkedin--option-white:var(--core__footer_linkedin-color);--core__footer-button-background_color--option-white:var(		--core__footer-button-background_color	);--core__footer-button-color--option-white:var(--core__footer-button-color);--core__footer-border_color--option-white:var(		--_core__container_footer-border-color	);--core__footer-background_color--option-grey:var(--core__color_functional);--core__footer-font_color--option-grey:var(--core__color_black);--core__footer-link_color--option-grey:var(--core__color_primary);--core__footer-facebook--option-grey:var(--core__footer_facebook-color);--core__footer-twitter--option-grey:var(--core__footer_twitter-color);--core__footer-linkedin--option-grey:var(--core__footer_linkedin-color);--core__footer-button-background_color--option-grey:var(		--core__footer-button-background_color	);--core__footer-button-color--option-grey:var(--core__footer-button-color);--core__footer-border_color--option-grey:var(--core__color_primary);--core__footer-background_color--option-light:var(		--core__color_functional	);--core__footer-font_color--option-light:var(--core__color_black);--core__footer-link_color--option-light:var(--core__color_primary);--core__footer-facebook--option-light:var(--core__footer_facebook-color);--core__footer-twitter--option-light:var(--core__footer_twitter-color);--core__footer-linkedin--option-light:var(--core__footer_linkedin-color);--core__footer-button-background_color--option-light:var(		--core__footer-button-background_color	);--core__footer-button-color--option-light:var(--core__footer-button-color);--core__footer-border_color--option-light:var(--core__color_primary);--core__footer-background_color--option-dark:var(--core__color_functional);--core__footer-font_color--option-dark:var(--core__color_black);--core__footer-link_color--option-dark:var(--core__color_primary);--core__footer-facebook--option-dark:var(--core__footer_facebook-color);--core__footer-twitter--option-dark:var(--core__footer_twitter-color);--core__footer-linkedin--option-dark:var(--core__footer_linkedin-color);--core__footer-button-background_color--option-dark:var(		--core__footer-button-background_color	);--core__footer-button-color--option-dark:var(--core__footer-button-color);--core__footer-border_color--option-dark:var(--core__color_primary);--_core__social-subtitle_font-size:18px;--_core__social-subtitle_font-weight:400;--_core__social-subtitle_line-height:24px;--_core__social-subtitle_letter-spacing:0px;--_core__social-subtitle_font-family:var(--core__font_secondary);--_core__icon_color:#000;--core__color_facebook:#3b5998;--core__color_linkedin:#0077b5;--core__color_twitter:#55acee;--core__color_instagram:url(#rg);--core__color_youtube:red;--core__color_facebook_contact_hero:var(--core__color_facebook);--core__color_linkedin_contact_hero:var(--core__color_linkedin);--core__color_twitter_contact_hero:var(--core__color_twitter);--core__color_instagram_contact_hero:var(--core__color_instagram);--core__color_youtube_contact_hero:var(--core__color_youtube);--core__color_facebook_contact_card:var(--core__color_facebook);--core__color_linkedin_contact_card:var(--core__color_linkedin);--core__color_twitter_contact_card:var(--core__color_twitter);--core__color_instagram_contact_card:var(--core__color_instagram);--core__color_youtube_contact_card:var(--core__color_youtube);--_core__contactcard_container_background:var(--core__color_functional);--_core__contactcard_container_background_themed-light:var(		--core__color_white	);--_core__contactcard_container_background_themed-dark:var(		--core__color_white	);--_core__contactcard_container_background_themed-grey:var(		--core__color_white	);--_core__contactcard_container_height:auto;--_core__contactcard_info-margin-button:auto;--_core__contactcard_info-justify-content:flex-start;--_core__contactcard_font_color:var(--core__color_black);--_core__contactcard_name-font_color:var(--core__color_black);--_core__contactcard_anchor:var(--core__color_tertiary);--_core__contactcard_icon_color:inherit;--_core__contactcard_name-font_color-white:var(--core__color_black);--_core__contactcard_title-font_color-white:var(--core__color_black);--_core__contactcardhero_container_background:var(--core__color_white);--_core__contactcardhero_font_color:var(--core__color_black);--_core__contactcardhero_anchor:var(--core__color_primary);--_core__contactcardhero_title-font_weight:var(--_core__body_font-weight);--_core__contactcardhero_container_min-height:700px;--_core__contactcardhero_license:inherit;--_core__contactcardhero_contact_card_padding-left:30px 0 30px 12%;--_core__contactcardhero_contact_card_padding-right:30px 12% 30px 0;--_core__contactcardhero_contact_card_padding-center:30px 0 30px 0;--_core__contactcardhero_contact_card_align-items:center;--_core__contactcardhero_contact_card_height:default;--_core__contactcardhero_contact_card_justify-content:flex-start;--_core__contactcardhero_contact_card_width:420px;--_core__contactcardhero_contact_card_min-width:fit-content;--_core__hero_removed-background-text-color:#fff;--_core__divider_color:var(--core__color_grey--30);--_core__divider_color_themed-grey:var(--core__color_black);--_core__divider_color_themed-light:var(--core__color_black);--_core__divider_color_themed-dark:var(--core__color_black);--_core__pencil-banner_background:var(--core__color_grey--20);--_core__pencil-banner_background_themed-light:var(--core__color_white);--_core__pencil-banner_background_themed-grey:var(--core__color_white);--_core__pencil-banner_background_themed-dark:var(--core__color_white);--_core__pencil-banner_link-color:var(--core__color_tertiary);--_core__pencil-banner_color:var(--core__color_grey--100);--_core__pencil-banner-button_font-size:18px;--_core__breadcrumb_background:var(--core__color_auxiliary);--_core__breadcrumb_font-family:var(--core__font_secondary);--_core__breadcrumb_color:var(--core__color_white);--_core__breadcrumb_hover-color:var(--core__color_functional);--_core__breadcrumb_font-size:14px;--_core__breadcrumb_background_themed-light:var(--core__color_auxiliary);--_core__breadcrumb_color_themed-light:var(--core__color_white);--_core__breadcrumb_background_themed-dark:var(--core__color_auxiliary);--_core__breadcrumb_color_themed-dark:var(--core__color_white);--_core__anchor-link-navigation_background:var(--core__color_grey--10);--_core__anchor-link-navigation_color-active:var(--core__color_black);--_core__anchor-link-navigation_font-family:var(--core__font_secondary);--_core__anchor-link-navigation_font-weight:700;--_core__anchor-link-navigation_color-inactive:#989898;--_core__content_card-padding:15px;--_core__content_card-text-padding:20px;--_core__content_card-background-color:var(--core__color_white);--_core__content_card-font-color:var(--_core__paragraph_color);--_core__content_card-link-color:var(--core__color_primary);--_core__content_card-link-font-size:16px;--_core__content_card-link-font-weight:500;--_core__content_card-link-font-family:var(--core__font_secondary);--_core__content_card-link-letter-spacing:0;--_core__content_card-link-text-transform:none;--_core__content_card-font-family:var(--core__font_secondary);--_core__content_card-description-font-color:var(--core__color_black);--_core__content_card-description-font-family:var(--core__font_secondary);--_core__content_card-title-font-color:var(--_core__paragraph_color);--_core__content_card-title-font-weight:500;--_core__content_card-description-font-weight:400;--_core__content_card-title-font-size:24px;--_core_content_card-border-radius:0;--_core_content-card-border:1px solid 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classnavbar_link navbar_link-folder rolebutton tabindex0 titleAccount Access aria-expandedfalse aria-labelAccount Access aria-controlsnav-40873-tier1>Account Access svg width24 height24 viewbox0 0 24 24 fillnone aria-labellink xmlnshttp://www.w3.org/2000/svg roleimg aria-labelledbyicon-title-undefined style classnav-arrow aria-hiddentrue>title idicon-title-undefined>/title>path dM6 9L12 15L18 9 strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>/svg>/div>ul idnav-40873-tier1 classnavbar_nav navbar_nav--subnav aria-labelAccount Access submenu>!---->!---->li classnav__item--container desktop-nav-updates navbar_item tabindex-1>a classnavbar_link navbar_link-external target_blank hrefhttps://www.mynyl.newyorklife.com/ tabindex0 titleNYL Online Account aria-labelNYL Online Account>div>NYL Online Account/div>div styledisplay:flex;>svg width24 height24 viewbox0 0 24 24 fillnone aria-labellink xmlnshttp://www.w3.org/2000/svg roleimg 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padding-bottom-null stylemin-height:auto;>!---->!---->!---->div classblock__container block__section_main>!---->div idqf2phd target_blank classblock block_heroComponent block_heroComponent_black-overlay block_heroComponent_medium-overlay block_heroComponent_black-gradient parent-is-horizontalfalse is-first-childtrue is-last-childtrue>div data-testidslider-container classblock__body block_heroComponent styleheight:370px; nested-level1>div classslider-wrapper>ul idslides-container classslides-container>!---->!---->li classslide>div styleheight:inherit;position:relative;>!---->div classbg-img stylebackground-image:url(https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/Home%20-%20Hero.jpg);background-position:64% 68%;background-repeat:no-repeat;background-size:cover;height:inherit; aria-labelfamily of four sitting on the dock by a lake roleimg>!---->/div>!---->!---->/div>/li>!---->/ul>!---->/div>!---->!---->!---->/div>!---->!---->!---->/div>!---->/div>/div>!---->!---->!---->/div>div idcnwt5y target_blank classblock block_columns block_columns_offset-left block_columns_pt-huge block_columns_pb-medium>div classblock__body>div classblock__container block__section_main block__section_main--2_column>!---->div idhjqj43 target_blank classblock block_content-card block_content-card_image-left block_content-card_image-top block_content-card_text-top block_content-card_wrapText is-first-childtrue is-last-childfalse parent-is-horizontaltrue>div classblock__body block__content-card>div classwrapping-text container>div classwidth-50 media-container stylewidth:50;height:100%;flex-basis:50;>div target_blank classblock block_media block_media_base>div nested-level2 index0 is-builder-mobilefalse>div target_blank classblock block_image block_image_base>div classblock__body is-editablefalse>figure classblock__section_content>span>!---->img data-srchttps://f92core-builder-prod-sites.azureedge.net/brands/3/websites/2969/uploads/Headshot.jpg altHeadshot styleheight:100%;width:100%;object-position:center;>!---->!---->/span>/figure>/div>!---->!---->!---->/div>/div>!---->!---->!---->/div>!---->/div>div classblock__section_text styleflex-basis:calc(100% - 50);>!---->!---->div target_blank classblock block_rich-text block_rich-text_base>div nested-level0 index0 is-editablefalse is-builder-mobilefalse>div classblock__body>p>strong>Insurance Services in Lake Success, Long Island, New York/strong>/p>p>They say life doesnt give you anything you cant handle. But that doesnt mean you have to handle it alone. These days, its more important than ever to make sure you have a financial professional by your side; someone who can help evaluate your needs, assess the current economic landscape and recommend a plan of action that will help protect your familys wealth, lifestyle and dreams for the future.br>br>Lets get started - theres no better time than now.br>br>At New York Life, our mission is to help clients take advantage of those opportunities by providing them with three key tools:/p>ol>li>p styletext-align: var(--_core__body_text-align)>A clear understanding of their financial goals/p>/li>li>p styletext-align: var(--_core__body_text-align)>A well-defined roadmap for achieving those goals/p>/li>li>p styletext-align: var(--_core__body_text-align)>Ongoing advice to help adjust their roadmap when their needs changebr>br>/p>/li>/ol>p styletext-align: var(--_core__body_text-align)>Our services included but are not limited to insurance and retirement planning, risk management, and estate conservation. We specialize in helping our clients develop a comprehensive, cohesive financial strategy that fits their unique needs and enables them to meet both short- and long-term objectives. On our Web site, youll find valuable information for evaluating your current position and progress toward financial goals. We offer educational articles that outline financial concepts and highlight products designed to fill the gaps in your financial strategy. Youll also find calculators that will help you assess your current and future needs. Please remember to visit our Web site often, as our content is constantly changing.br>br>For help with the services mentioned earlier, or for more information on New York Life Insurance Company, please contact us today./p>/div>!---->/div>!---->!---->!---->/div>!---->!---->/div>/div>/div>!---->!---->!---->/div>div idxwgm5f target_blank classblock block_container block_container_slim block_container_carousel_numbers block_container_contained is-first-childfalse is-last-childtrue parent-is-horizontaltrue>div classblock__body>!---->!---->!---->!---->div style classblock__section_main>!---->div idsd4jwx target_blank classblock block_contact-card block__child--active is-first-childtrue is-last-childtrue parent-is-horizontalfalse>div classblock__body nested-level2 index0>!---->div classblock__section_info style>!---->div classcontactAgentContainer>div target_blank classblock block_text block_text_text block_text_contact-title styledisplay:none;>div classblock__body nested-level0 index0 is-editablefalse is-builder-mobilefalse>!---->/div>!---->!---->!---->/div>div target_blank classblock block_text block_text_title block_text_contact-name-go styledisplay:none;>div classblock__body nested-level0 index0 is-editablefalse is-builder-mobilefalse>!---->/div>!---->!---->!---->/div>div classcontactNameContainer>div classblock__designation_name_group>div target_blank classblock block_text block_text_title block_text_contact-name designations-short style>div classblock__body nested-level0 index0 is-editablefalse is-builder-mobilefalse>h5>Joseph   Scaccia/h5>/div>!---->!---->!---->/div>span styledisplay:none; classblock__name_designation block__name_designation_h5> span>CLTC/span>/span>/div>div target_blank classblock block_text block_text_text block_text_contact-title styledisplay:none;>div classblock__body nested-level0 index0 is-editablefalse is-builder-mobilefalse>!---->/div>!---->!---->!---->/div>/div>div target_blank classblock block_text block_text_title block_text_contact-title style>div classblock__body nested-level0 index0 is-editablefalse is-builder-mobilefalse>h6>Agent/h6>/div>!---->!---->!---->/div>div target_blank classblock block_text block_text_text block_text_contact-title styledisplay:none;>div classblock__body nested-level0 index0 is-editablefalse is-builder-mobilefalse>!---->/div>!---->!---->!---->/div>div target_blank classblock block_text block_text_text block_text_contact-title styledisplay:none;>div classblock__body nested-level0 index0 is-editablefalse is-builder-mobilefalse>!---->/div>!---->!---->!---->/div>div target_blank classblock block_text block_text_text block_text_contact-title styledisplay:none;>div classblock__body nested-level0 index0 is-editablefalse is-builder-mobilefalse>!---->/div>!---->!---->!---->/div>div target_blank classblock block_text block_text_title block_text_contact-entity-title styledisplay:none;>div classblock__body nested-level0 index0 is-editablefalse is-builder-mobilefalse>h6>New York Life Insurance Company/h6>/div>!---->!---->!---->/div>!---->/div>div classcontactInfoContainer>div classblock__section_info_contact>svg roleimg width24 height24 viewbox0 0 24 24 fillnone xmlnshttp://www.w3.org/2000/svg aria-labelledbyicon-title-undefined classblock_icon-icon icon stylecolor:var(--_core__icon_color, currentColor); valuephone>title idicon-title-undefined>/title>path dM21.9999 16.92V19.92C22.0011 20.1985 21.944 20.4741 21.8324 20.7293C21.7209 20.9845 21.5572 21.2136 21.352 21.4018C21.1468 21.5901 20.9045 21.7335 20.6407 21.8227C20.3769 21.9119 20.0973 21.945 19.8199 21.92C16.7428 21.5856 13.7869 20.5341 11.1899 18.85C8.77376 17.3146 6.72527 15.2661 5.18993 12.85C3.49991 10.2412 2.44818 7.27097 2.11993 4.17997C2.09494 3.90344 2.12781 3.62474 2.21643 3.3616C2.30506 3.09846 2.4475 2.85666 2.6347 2.6516C2.82189 2.44653 3.04974 2.28268 3.30372 2.1705C3.55771 2.05831 3.83227 2.00024 4.10993 1.99997H7.10993C7.59524 1.9952 8.06572 2.16705 8.43369 2.48351C8.80166 2.79996 9.04201 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strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>path dM22 6L12 13L2 6 strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>/svg>a hrefmailto:jescaccia@ft.newyorklife.com classemail titlejescaccia@ft.newyorklife.com>jescaccia@ft.newyorklife.com/a>/div>div classblock__section_info_contact>svg width24 height24 viewbox0 0 24 24 fillnone xmlnshttp://www.w3.org/2000/svg roleimg aria-labelledbyicon-title-undefined classblock_icon-icon icon stylecolor:var(--_core__icon_color, currentColor); valuemap-pin>title idicon-title-undefined>/title>path dM21 10C21 17 12 23 12 23C12 23 3 17 3 10C3 7.61305 3.94821 5.32387 5.63604 3.63604C7.32387 1.94821 9.61305 1 12 1C14.3869 1 16.6761 1.94821 18.364 3.63604C20.0518 5.32387 21 7.61305 21 10Z strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>path dM12 13C13.6569 13 15 11.6569 15 10C15 8.34315 13.6569 7 12 7C10.3431 7 9 8.34315 9 10C9 11.6569 10.3431 13 12 13Z strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>/svg>div classblock__section_info_address>!---->a hrefhttp://maps.google.com/?q333%20Earle%20Ovington%20Blvd%20Ste%20505%20%20Lake%20Success%20NY%2011553 target_blank>p title333 Earle Ovington Blvd Ste 505>333 Earle Ovington Blvd Ste 505/p>!---->p titleLake SuccessNY11553>Lake Success, NY 11553/p>/a>/div>/div>!---->!---->!---->/div>div target_blank classblock block_rich-text block_rich-text_info_license style>div nested-level0 index0 is-editablefalse is-builder-mobilefalse>div classblock__body>span>AR Insurance License:/span> span classlicense-number>#16415862/span>/div>!---->/div>!---->!---->!---->/div>div target_blank classblock block_rich-text block_rich-text_info_license style>div nested-level0 index0 is-editablefalse is-builder-mobilefalse>div classblock__body>span>CA Insurance License:/span> span classlicense-number>#4065188/span>/div>!---->/div>!---->!---->!---->/div>!---->div 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styledisplay:flex;width:100%;min-width:100%;margin-left:0%;transition:margin-left .2s;align-items:stretch;justify-content:center;gap:24px; classblock__section_main>!---->div id126118 target_blank classblock block_article block_article_base block__child--active is-first-childtrue is-last-childfalse parent-is-horizontaltrue>div id126118 target_blank classblock block_content-card block_content-card_articles-section block_content-card_px-small data-v-87c887a6>div classblock__body block__content-card>div classcontainer>div classwidth-50 media-container stylewidth:auto;height:100%;>div target_blank classblock block_media block_media_base>div nested-level2 index0 is-builder-mobilefalse>div target_blank classblock block_image block_image_base>div classblock__body is-editablefalse>figure classblock__section_content>span>!---->img data-srchttps://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-having-control-over-your-day-to-day-finances-x.png altHaving control over your day-to-day finances styleheight:100%;width:100%;object-position:center;>!---->!---->/span>/figure>/div>!---->!---->!---->/div>/div>!---->!---->!---->/div>!---->/div>div classblock__section_text style>!---->div target_blank classblock block_rich-text block_rich-text_headline>div nested-level0 index0 is-editablefalse is-builder-mobilefalse>div classblock__body>h4>Having control over your day-to-day finances/h4>/div>!---->/div>!---->!---->!---->/div>div target_blank classblock block_rich-text block_rich-text_base>div nested-level0 index0 is-editablefalse is-builder-mobilefalse>div classblock__body>p>Money is personal, and emotional, but it doesn’t have to be scary. Understanding how your day-to-day finances and your emotions are connected can help you take more control of your financial situation./p>/div>!---->/div>!---->!---->!---->/div>div classblock__section_btns>!---->div target_blank classblock block_button block_button_text block_button_outline block_button_icon-right>div classblock__body data-testidbutton nested-level0 index0 is-builder-mobilefalse>a href/resources/articles/having-control-over-your-day-to-day-finances relnoopener noreferrer target_blank classbutton rolebutton aria-labelRead More (opens in a new window)>span classbutton_icon--custom>svg width24 height24 viewbox0 0 24 24 fillnone xmlnshttp://www.w3.org/2000/svg roleimg aria-labelledbyicon-title-undefined aria-labelRead More classblock_icon-icon button_icon stylecolor:var(--_core__icon_color, currentColor); valuearrow-right namebuttonIcon>title idicon-title-undefined>/title>path dM5 12H19 strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>path dM12 5L19 12L12 19 strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>/svg>/span>span classbutton_label button_icon--down>span classbutton_label_text>Read More/span>svg width24 height24 viewbox0 0 24 24 fillnone aria-labellink xmlnshttp://www.w3.org/2000/svg roleimg aria-labelledbyicon-title-undefined classblock_icon-icon button_icon button_i stylecolor:var(--_core__icon_color, currentColor); valuedown-arrow>title idicon-title-undefined>/title>path dM6 9L12 15L18 9 strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>/svg>/span>/a>!---->/div>!---->!---->!---->/div>/div>!---->/div>/div>/div>!---->!---->!---->/div>!---->!---->!---->/div>div id126119 target_blank classblock block_article block_article_base is-first-childfalse is-last-childfalse parent-is-horizontaltrue>div id126119 target_blank classblock block_content-card block_content-card_articles-section block_content-card_px-small data-v-87c887a6>div classblock__body block__content-card>div classcontainer>div classwidth-50 media-container stylewidth:auto;height:100%;>div target_blank classblock block_media block_media_base>div nested-level2 index0 is-builder-mobilefalse>div target_blank classblock block_image block_image_base>div classblock__body is-editablefalse>figure classblock__section_content>span>!---->img data-srchttps://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-easy-steps-for-starting-surprise-fund.png altEasy steps for starting a "surprise" fund styleheight:100%;width:100%;object-position:center;>!---->!---->/span>/figure>/div>!---->!---->!---->/div>/div>!---->!---->!---->/div>!---->/div>div classblock__section_text style>!---->div target_blank classblock block_rich-text block_rich-text_headline>div nested-level0 index0 is-editablefalse is-builder-mobilefalse>div classblock__body>h4>Easy steps for starting a surprise fund/h4>/div>!---->/div>!---->!---->!---->/div>div target_blank classblock block_rich-text block_rich-text_base>div nested-level0 index0 is-editablefalse is-builder-mobilefalse>div classblock__body>p>Surprises happen, and they can get very expensive. Whether you have a surprise fund already or not, these easy steps can help you feel secure and prepared for any future surprise expenses./p>/div>!---->/div>!---->!---->!---->/div>div classblock__section_btns>!---->div target_blank classblock block_button block_button_text block_button_outline block_button_icon-right>div classblock__body data-testidbutton nested-level0 index0 is-builder-mobilefalse>a href/resources/articles/easy-steps-for-starting-a-surprise-fund relnoopener noreferrer target_blank classbutton rolebutton aria-labelRead More (opens in a new window)>span classbutton_icon--custom>svg width24 height24 viewbox0 0 24 24 fillnone xmlnshttp://www.w3.org/2000/svg roleimg aria-labelledbyicon-title-undefined aria-labelRead More classblock_icon-icon button_icon stylecolor:var(--_core__icon_color, currentColor); valuearrow-right namebuttonIcon>title idicon-title-undefined>/title>path dM5 12H19 strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>path dM12 5L19 12L12 19 strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>/svg>/span>span classbutton_label button_icon--down>span classbutton_label_text>Read More/span>svg width24 height24 viewbox0 0 24 24 fillnone aria-labellink xmlnshttp://www.w3.org/2000/svg roleimg aria-labelledbyicon-title-undefined classblock_icon-icon button_icon button_i stylecolor:var(--_core__icon_color, currentColor); valuedown-arrow>title idicon-title-undefined>/title>path dM6 9L12 15L18 9 strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>/svg>/span>/a>!---->/div>!---->!---->!---->/div>/div>!---->/div>/div>/div>!---->!---->!---->/div>!---->!---->!---->/div>div id126121 target_blank classblock block_article block_article_base is-first-childfalse is-last-childtrue parent-is-horizontaltrue>div id126121 target_blank classblock block_content-card block_content-card_articles-section block_content-card_px-small data-v-87c887a6>div classblock__body block__content-card>div classcontainer>div classwidth-50 media-container stylewidth:auto;height:100%;>div target_blank classblock block_media block_media_base>div nested-level2 index0 is-builder-mobilefalse>div target_blank classblock block_image block_image_base>div classblock__body is-editablefalse>figure classblock__section_content>span>!---->img data-srchttps://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-budgeting-for-a-non-budgeter.png altBudgeting for a non-budgeter styleheight:100%;width:100%;object-position:center;>!---->!---->/span>/figure>/div>!---->!---->!---->/div>/div>!---->!---->!---->/div>!---->/div>div classblock__section_text style>!---->div target_blank classblock block_rich-text block_rich-text_headline>div nested-level0 index0 is-editablefalse is-builder-mobilefalse>div classblock__body>h4>Budgeting for a non-budgeter/h4>/div>!---->/div>!---->!---->!---->/div>div target_blank classblock block_rich-text block_rich-text_base>div nested-level0 index0 is-editablefalse is-builder-mobilefalse>div classblock__body>p>Budgeting doesn’t have to be a scary word. 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valuecircle-minus tabindex0>title idicon-title-undefined>/title>path dM12 22C17.5228 22 22 17.5228 22 12C22 6.47715 17.5228 2 12 2C6.47715 2 2 6.47715 2 12C2 17.5228 6.47715 22 12 22Z strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>path dM8 12L16 12 strokecurrentColor stroke-width2 stroke-linecapround stroke-linejoinround>/path>/svg>/div>div style classblock__section_main>!---->div target_blank classblock block_rich-text block_rich-text_disclosure block__child--active is-first-childtrue is-last-childfalse parent-is-horizontalfalse>div nested-level1 index0 is-editablefalse is-builder-mobilefalse>div classblock__body>p>Joseph Scaccia  is an agent of and licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AK, AL, AR (AR Insurance License #16415862), AZ, CA (CA Insurance License #4065188), CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, and WY. No insurance business may be conducted outside the states referenced./p>/div>!---->/div>!---->!---->!---->/div>div target_blank classblock block_rich-text block_rich-text_disclosure block__child--active is-first-childfalse is-last-childfalse parent-is-horizontalfalse>div nested-level1 index1 is-editablefalse is-builder-mobilefalse>div classblock__body>p>Joseph Scaccia  is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member a target_blank relnoopener noreferrer nofollow hrefhttp://www.finra.org>FINRA/a>/a target_blank relnoopener noreferrer nofollow hrefhttps://www.sipc.org>SIPC/a>, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 333 Earle Ovington Blvd Ste 505, Uniondale, NY, 11553, 516-732-6943. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, CT, DC, FL, GA, MA, MD, MS, NC, NJ, NY, PA, TX, and VA. No offers may be made or accepted from any resident outside the specific states referenced./p>/div>!---->/div>!---->!---->!---->/div>div target_blank classblock block_rich-text block_rich-text_disclosure block__child--active is-first-childfalse is-last-childfalse parent-is-horizontalfalse>div nested-level1 index2 is-editablefalse is-builder-mobilefalse>div classblock__body>p>The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionalssup>®/sup>, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry./p>/div>!---->/div>!---->!---->!---->/div>div target_blank classblock block_rich-text block_rich-text_disclosure block__child--active is-first-childfalse is-last-childtrue parent-is-horizontalfalse>div nested-level1 index3 is-editablefalse is-builder-mobilefalse>div classblock__body>p>Neither New York Life Insurance Company nor its agents or affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions./p>/div>!---->/div>!---->!---->!---->/div>!---->/div>!---->/div>!---->!---->!---->/div>div idf36wnm target_blank classblock block_pencil-banner block_pencil-banner_center block_pencil-banner_align-center footer-banner style>div classblock__body rolebanner nested-level0 index0 is-builder-mobilefalse>div classblock__body-container>div target_blank classblock block_rich-text block_rich-text_base>div nested-level0 index0 is-editablefalse is-builder-mobilefalse>div classblock__body>p>For more information about NYLIFE Securities LLC and its investment professionals./p>/div>!---->/div>!---->!---->!---->/div>div target_blank classblock block_button block_button_text block_button_icon-right block__body-container_button>div classblock__body data-testidbutton nested-level0 index0 is-builder-mobilefalse>a hrefhttps://brokercheck.finra.org/ target_self classbutton rolebutton tabindex0 aria-labelClick here titleClick here>span classbutton_icon--custom>svg width25 height24 viewbox0 0 25 24 fillnone xmlnshttp://www.w3.org/2000/svg roleimg aria-labelledbyicon-title-undefined aria-labelClick here classblock_icon-icon button_icon stylecolor:var(--_core__icon_color, currentColor); 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Integration,2024-09-26T04:26:57.044Z,e4825e7f-5cfe-4603-9be2-4398d2302fd6,0,186643,null,{showFooter:6,logo:3768,overlineFooter:3769,nameFooter:3770,jobTitleFooter:3771,banner:3772,facebook:3776,linkedin:3777,twitter:3778,copyrightText:3779,copyright:3780,showDisclosures:6,disclosures:3781,logoStyle:3786,showBanner:6,showUsernameFooter:5,showOverlineFooter:5,showTitleFooter:5,showCopyright:6,logoAltText:3251,logoLink:3251,showSignUpForm:5,signUpFormDisclosure:3251,facebook-show:6,linkedin-show:6,twitter-show:6,oneTrust:3787,showOverline:5,overline:3788,showUsername:5,name:3770,showTitle:5,jobTitle:3771,menuAlignment:3789},{{{ user.ddcUserData.dba1LogoTxt }}},{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }},{{{ user.ddcUserData.mktrLglFirstNm }}} \{{{ user.ddcUserData.mktrPrefFirstNm }}}\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}},{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }},{bodyCopy:3773,buttonText:3774,buttonLink:3775,facebook-show:6,linkedin-show:6,twitter-show:6},For more information about NYLIFE Securities LLC and its investment professionals.,Click here,https://brokercheck.finra.org/,{{{ user.ddcUserData.facebookUrlTxt }}},{{{ user.ddcUserData.lnkdinUrlTxt }}},{{{ user.ddcUserData.twitterUrlTxt }}},Copyright {{ year }}. New York Life Insurance Company. All Rights Reserved.,\u003Cp>\u003Ca target\_blank\ rel\noopener noreferrer nofollow\ href\https://www.newyorklife.com/about/privacy-policy \>Privacy Policy\u003C/a>\u003C/p>{{ #user.registeredRep }}\u003Cp>NYLIFE Securities LLC, Member\n\u003Ca href\http://www.finra.org\ target\_blank\ rel\noopener noreferrer nofollow\>FINRA\u003C/a>/\u003Ca href\https://www.sipc.org\ target\_blank\ rel\noopener noreferrer nofollow\>SIPC\u003C/a>.\u003C/p>\u003Cp>For additional information, visit \u003Ca href\https://www.newyorklife.com/assets/docs/pdfs/nyl-internet/nylifesecurities/customer-relationship-summary.pdf\ rel\noopener noreferrer nofollow\ target\_blank\>Customer Relationship Summary.pdf\u003C/a>\u003C/p>{{ /user.registeredRep }},3782,3783,3784,3785,\u003Cp>{{ user.ddcUserData.discMktrLglFirstNm }} {{ user.ddcUserData.discMktrLglLastName }} {{ user.ddcUserData.discMktrLglSfxCode }} is an agent {{ ^user.ddcUserData.dbaName }}of and {{ /user.ddcUserData.dbaName }}licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the {{ sellingInsuranceStateText }} of {{ statesSellingInsurance }}. No insurance business may be conducted outside the {{ sellingInsuranceStateText }} referenced.\u003C/p>,\u003Cp>{{{ user.ddcUserData.discMktrLglFirstNm }}} {{{ user.ddcUserData.discMktrLglLastName }}} {{ user.ddcUserData.discMktrLglSfxCode }} is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member \u003Ca target\_blank\ rel\noopener noreferrer nofollow\ href\http://www.finra.org\>FINRA\u003C/a>/\u003Ca target\_blank\ rel\noopener noreferrer nofollow\ href\https://www.sipc.org\>SIPC\u003C/a>, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company{{ #user.ddcUserData.discBusLocAddrLn1tx }}, {{{ user.ddcUserData.discBusLocAddrLn1tx }}}{{ /user.ddcUserData.discBusLocAddrLn1tx }}{{ #user.ddcUserData.discBusLocAddrLn2Tx }}, {{{ user.ddcUserData.discBusLocAddrLn2Tx }}}{{ /user.ddcUserData.discBusLocAddrLn2Tx }}{{ #user.ddcUserData.discBusLocAddrCityName }}, {{{ user.ddcUserData.discBusLocAddrCityName }}}{{ /user.ddcUserData.discBusLocAddrCityName }}{{ #user.ddcUserData.discBusLocAddrStateCode }}, {{{ user.ddcUserData.discBusLocAddrStateCode }}}{{ /user.ddcUserData.discBusLocAddrStateCode }}{{ #user.ddcUserData.discBusLocAddrZipCode }}, {{{ user.ddcUserData.discBusLocAddrZipCode }}}{{ /user.ddcUserData.discBusLocAddrZipCode }}{{ #user.ddcUserData.busPhoneNum }}, {{{ user.ddcUserData.busPhoneNum }}}{{ /user.ddcUserData.busPhoneNum }}. In this regard, this communication is strictly intended for individuals residing in the {{ registeredAgentStateText }} of {{ statesRegisteredAgent }}. No offers may be made or accepted from any resident outside the specific {{ registeredAgentStateText }} referenced.\u003C/p>,\u003Cp>The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals\u003Csup>®\u003C/sup>, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.\u003C/p>,\u003Cp>{{ #user.ddcUserData.dbaName }}Neither {{#user.ddcUserData.dbaDisplayName}}{{user.ddcUserData.dbaDisplayName}}{{/user.ddcUserData.dbaDisplayName}}{{^user.ddcUserData.dbaDisplayName}}{{ user.ddcUserData.dbaName }}{{/user.ddcUserData.dbaDisplayName}} nor its associates are in the business of offering{{ /user.ddcUserData.dbaName }}{{ ^user.ddcUserData.dbaName }}Neither New York Life Insurance Company nor its agents or affiliates provide{{ /user.ddcUserData.dbaName }} tax, legal, or accounting advice. 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These days, its more important than ever to make sure you have a financial professional by your side; someone who can help evaluate your needs, assess the current economic landscape and recommend a plan of action that will help protect your familys wealth, lifestyle and dreams for the future.\u003Cbr>\u003Cbr>Lets get started - theres no better time than now.\u003Cbr>\u003Cbr>At New York Life, our mission is to help clients take advantage of those opportunities by providing them with three key tools:\u003C/p>\u003Col>\u003Cli>\u003Cp style\\\text-align: var(--_core__body_text-align)\\\>A clear understanding of their financial goals\u003C/p>\u003C/li>\u003Cli>\u003Cp style\\\text-align: var(--_core__body_text-align)\\\>A well-defined roadmap for achieving those goals\u003C/p>\u003C/li>\u003Cli>\u003Cp style\\\text-align: var(--_core__body_text-align)\\\>Ongoing advice to help adjust their roadmap when their needs change\u003Cbr>\u003Cbr>\u003C/p>\u003C/li>\u003C/ol>\u003Cp style\\\text-align: var(--_core__body_text-align)\\\>Our services included but are not limited to insurance and retirement planning, risk management, and estate conservation. 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Joseph Scaccia - Lake Success, NY,,system,2023-10-17T05:07:43.65Z,t.swift@fusion92.com,2024-08-20T15:18:42.95Z,{id:3889,handle:3890,title:3802,description:3255,navigationTitle:3255,seoTitle:3802,seoDescription:3255,layoutId:3255,layout:3255,layoutIdentifier:3255,blocks:3891,redirectUrl:3255,siteid:3756,parentPageId:3880,isDeleted:5,isPrivate:5,seoIsPrivate:5,settings:3892,orderSequence:3893,link:3766,presetId:3160,pageTags:3894,createdBy:3875,createdDt:3895,updatedBy:3877,updatedDt:3878,newFieldForParentId:3880},186642,my-background,\n  {\n    \id\: \tkgfc2\,\n    \type\: \rows\,\n    \variants\: {\n      \layout\: \full-bleed\,\n      \padding-top\: null,\n      \padding-bottom\: null\n    },\n    \rowHeight\: \auto\,\n    \blocks\: \n      {\n        \id\: \v3sf47\,\n        \type\: \breadcrumbs\,\n        \variants\: {},\n        \contentRef\: null,\n        \linkUrl\: null,\n        \newWindow\: null,\n        \linkInternal\: null,\n        \libraryBlockId\: \nz3c5d\\n      }\n    ,\n    \libraryBlockId\: \wffjm6\\n  },\n  {\n    \id\: \sh9rym\,\n    \type\: \rows\,\n    \variants\: {\n      \layout\: \full-bleed\,\n      \padding-top\: null,\n      \padding-bottom\: null\n    },\n    \rowHeight\: \auto\,\n    \blocks\: \n      {\n        \id\: \bd42zt\,\n        \type\: \container\,\n        \variants\: {\n          \layout\: null,\n          \hidden\: false,\n          \layout-width\: null,\n          \bg-color\: \themed-grey\,\n          \vertical-alignment\: null,\n          \child-width\: null,\n          \padding-left\: null,\n          \padding-right\: null,\n          \padding-top\: \pt-huge\,\n          \padding-bottom\: \pb-huge\,\n          \padding-x\: null,\n          \carousel-indicator\: \carousel_numbers\\n        },\n        \blocks\: \n          {\n            \type\: \container\,\n            \variants\: {\n              \layout\: null,\n              \hidden\: false,\n              \layout-width\: \contained\,\n              \bg-color\: null,\n              \vertical-alignment\: null,\n              \child-width\: null,\n              \carousel-indicator\: \carousel_numbers\,\n              \padding-top\: null,\n              \padding-bottom\: null\n            },\n            \blocks\: \n              {\n                \type\: \content-card\,\n                \variants\: {\n                  \cardStyle\: null,\n                  \hidden\: false,\n                  \align-image\: \image-left\,\n                  \background\: null,\n                  \primary-style\: null,\n                  \secondary-style\: null,\n                  \wrapText\: true,\n                  \padding-top\: null,\n                  \padding-bottom\: null\n                },\n                \mediaWidth\: \40%\,\n                \facebook\: \{{{ user.ddcUserData.facebookUrlTxt }}}\,\n                \linkedin\: \{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\n                \twitter\: \{{{ user.ddcUserData.twitterUrlTxt }}}\,\n                \overline\: \\,\n                \headline\: \\u003Ch2>My Background\u003C/h2>\,\n                \primaryButton\: false,\n                \primaryLabel\: \Primary Button\,\n                \primaryBtnIconPlacement\: \icon-right\,\n                \secondaryButton\: false,\n                \secondaryLabel\: \Secondary Button\,\n                \secondaryBtnIconPlacement\: \icon-right\,\n                \disclosure\: \\u003Cp>\u003Csup>1\u003C/sup> Awarded by New York Life Insurance Company for outstanding sales achievements.\u003C/p>\u003Cp>\u003Csup>2 \u003C/sup>Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals (trademark r), is recognized globally as the standard of excellence in life insurance sales performance in the insurance and financial services industry.\u003C/p>\,\n                \contentRef\: null,\n                \linkUrl\: null,\n                \newWindow\: null,\n                \linkInternal\: null,\n                \media\: {\n                  \localItemId\: \W84n_Pl5lSROiFUFQREdI\,\n                  \src\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/websites/2969/uploads/Headshot.jpg\,\n                  \alt\: \Headshot\,\n                  \crop\: null,\n                  \focal\: null\n                },\n                \socialIcons\: true,\n                \instagram\: null,\n                \youtube\: null,\n                \primaryUrl\: null,\n                \primaryBtnIcon\: null,\n                \primaryBtnNewTab\: null,\n                \secondaryBtnIcon\: null,\n                \secondaryUrl\: null,\n                \secondaryBtnNewTab\: null,\n                \bodyText\: \\u003Ch4>Joseph Scaccia\u003C/h4>\u003Cp>As a New York Life Agent, I sincerely believe that most people want to do whats right: right for themselves, right for their families, and right for their communities. In fact, thats one of the reasons I joined the company back in 2011. After approximately 13 years working as Director of Finance & Operations with the Verizon Foundation, I wanted the opportunity to work somewhere that made it easy for other people to do what was right, and more importantly, made it easy for me to do right by them.\u003C/p>\u003Cp>You can take comfort in the fact that I have been a proud resident of the Whitestone, NY community for approximately ten years, and therefore have a vested interest in seeing my friends and neighbors succeed. As a loving father/husband for seven years having three children, I have many of the same hopes and aspirations as my clients and am happy to share with you all the resources and information New York Life has to offer.\u003C/p>\u003Cp>Depending on your needs, I can introduce you to some ways to help protect your familys lifestyle and future; or prepare for major financial events such as paying for college, saving for retirement, or caring for an aging relative. If youre wondering about my qualifications, you might find it reassuring to know that I am a licensed agent to sell insurance through New York Life Insurance Company. In addition to my 25 years of insurance, accounting, auditing and taxation experience, I hold a BS degree in accounting from St. Johns University and have participated in New York Lifes well-known training program, NYLIC University, and have been named/awarded New Organization Agent of the Year in 2013 and 2014. 2013/2014 Deferred Annuity Leader, 2014 Life Leader, 2012 - 2014 NYL Executive Council\u003Csup>1\u003C/sup>, MDRT Member 2015\u003Csup>2\u003C/sup>\u003C/p>\u003Cp>Of course, my background isnt really the one that matters. To be the best possible agent, Ive found that getting to know my clients – their hopes, dreams and goals for the future – is the most important step. 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In addition to paying income taxes that may be due, distributions from annuities before 59 ½ may also be subject to a 10% federal tax penalty.\u003Cbr>\u003Cbr>\u003Csup>3 \u003C/sup>Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.\u003C/p>\,\n            \linkUrl\: null,\n            \newWindow\: null,\n            \linkInternal\: null,\n            \block-name\: null,\n            \hide-from-section\: null,\n            \libraryBlockId\: \cth2st\\n          }\n        ,\n        \linkUrl\: null,\n        \newWindow\: null,\n        \linkInternal\: null,\n        \intro-text-show\: null,\n        \intro-text\: null,\n        \height\: null,\n        \intervalSwipeTime\: null,\n        \section-name\: null,\n        \hasAccordion\: null\n      }\n    ,\n    \libraryBlockId\: \jqg5nb\,\n    \sectionId\: 456,\n    \presetId\: 126048,\n    \relationshipData\: {},\n    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style\\\text-align: center\\\>One of the best things about being a New York Life agent is being able to offer real-world solutions to people who have a genuine need. In that respect, I consider my role to be more of a trusted professional: someone who will see you through lifes most difficult moments and help you prepare for the opportunities ahead.\u003C/p>\u003Cp style\\\text-align: center\\\>I prefer to take a measured, thoughtful approach—one that is grounded in reality and gives you the best chance of meeting your financial goals and objectives.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\block-name\:null,\hide-from-section\:null,\libraryBlockId\:\zjc9yy\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\type\:\columns\,\variants\:{\layout\:\contained\,\padding-top\:null,\padding-bottom\:null,\column-style\:null,\order\:null,\offset\:null,\vertical-alignment\:null,\horizontal-alignment\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\column-count\:\3\,\blocks\:{\type\:\content-card\,\variants\:{\align-image\:\image-left\,\padding-top\:\pt-small\,\padding-bottom\:\pb-small\,\invert-colors-text\:null,\wrapText\:null,\invert-colors-primary\:null,\invert-colors-secondary\:null,\button-align\:null,\image-vert-align\:null,\text-vert-align\:null,\column-offset\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:\px-small\,\_custom\:null,\cardStyle\:null},\copySelfEdit\:true,\headline\:\\u003Ch4 style\\\text-align: center\\\>Step 1:\u003C/h4>\,\bodyText\:\\u003Cp style\\\text-align: center\\\>Everyone is different, so its important for me to learn as much about you as possible. What are your goals? Where would you like to be in 10 to 20 years? What financial resources do you already have in place? The more I get to know about you, the more insightful my recommendations will be.\u003C/p>\,\primaryButton\:false,\primaryBtnIconPlacement\:\icon-left\,\primaryLabel\:\Primary\,\secondaryButton\:false,\secondaryBtnIconPlacement\:\icon-left\,\secondaryLabel\:\Secondary\,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\media\:null,\mediaWidth\:null,\mediaHeight\:null,\overline\:null,\disclosure\:null,\button-styles\:null,\primaryBtnIcon\:null,\primaryUrl\:null,\primaryBtnNewWindow\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryUrl\:null,\secondaryBtnNewWindow\:null,\facebook-show\:null,\linkedin-show\:null,\twitter-show\:null,\block-name\:null,\hide-from-section\:null,\id\:\tf2y9j\},{\type\:\content-card\,\variants\:{\align-image\:\image-left\,\padding-top\:\pt-small\,\padding-bottom\:\pb-small\,\invert-colors-text\:null,\wrapText\:null,\invert-colors-primary\:null,\invert-colors-secondary\:null,\button-align\:null,\image-vert-align\:null,\text-vert-align\:null,\column-offset\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:\px-small\,\_custom\:null,\cardStyle\:null},\copySelfEdit\:true,\headline\:\\u003Ch4 style\\\text-align: center\\\>Step 2:\u003C/h4>\,\bodyText\:\\u003Cp style\\\text-align: center\\\>Together well prioritize your goals and turn them into clear, measurable objectives. That way you can see how even the biggest challenges—like paying off your mortgage or retiring early—can be accomplished.\u003C/p>\,\primaryButton\:false,\primaryBtnIconPlacement\:\icon-left\,\primaryLabel\:\Primary\,\secondaryButton\:false,\secondaryBtnIconPlacement\:\icon-left\,\secondaryLabel\:\Secondary\,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\media\:null,\mediaWidth\:null,\mediaHeight\:null,\overline\:null,\disclosure\:null,\button-styles\:null,\primaryBtnIcon\:null,\primaryUrl\:null,\primaryBtnNewWindow\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryUrl\:null,\secondaryBtnNewWindow\:null,\facebook-show\:null,\linkedin-show\:null,\twitter-show\:null,\block-name\:null,\hide-from-section\:null,\id\:\q6knq4\},{\type\:\content-card\,\variants\:{\align-image\:\image-left\,\padding-top\:\pt-small\,\padding-bottom\:\pb-small\,\invert-colors-text\:null,\wrapText\:null,\invert-colors-primary\:null,\invert-colors-secondary\:null,\button-align\:null,\image-vert-align\:null,\text-vert-align\:null,\column-offset\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:\px-small\,\_custom\:null,\cardStyle\:null},\copySelfEdit\:true,\headline\:\\u003Ch4 style\\\text-align: center\\\>Step 3:\u003C/h4>\,\bodyText\:\\u003Cp style\\\text-align: center\\\>Next, well identify some insurance and financial products to help you meet your goals and needs. I can even consult with your financial, tax, and legal advisors to make sure our efforts fit in with your overall plans.\u003C/p>\,\primaryButton\:false,\primaryBtnIconPlacement\:\icon-left\,\primaryLabel\:\Primary\,\secondaryButton\:false,\secondaryBtnIconPlacement\:\icon-left\,\secondaryLabel\:\Secondary\,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\media\:null,\mediaWidth\:null,\mediaHeight\:null,\overline\:null,\disclosure\:null,\button-styles\:null,\primaryBtnIcon\:null,\primaryUrl\:null,\primaryBtnNewWindow\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryUrl\:null,\secondaryBtnNewWindow\:null,\facebook-show\:null,\linkedin-show\:null,\twitter-show\:null,\block-name\:null,\hide-from-section\:null,\id\:\zf6s3s\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\section-name\:null,\libraryBlockId\:\n4dxc2\,\id\:\jd3zsv\},{\id\:\vf6jsy\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\m3464m\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null,\invert-colors\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\bodyText\:\\u003Cp style\\\text-align: center\\\>Ill provide ongoing service as your needs and situation change over time. Ill work with you over the years to help keep your program on track with your changing needs.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\block-name\:null,\hide-from-section\:null,\libraryBlockId\:\qz8xnn\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\rj5bkm\,\sectionId\:482,\presetId\:126098,\relationshipData\:{},\isLocked\:false},{\id\:\nwr56b\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\,\bg-color\:\themed-grey\},\rowHeight\:\auto\,\blocks\:{\id\:\p9tdrv\,\type\:\rows\,\variants\:{\layout\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\row-style\:null,\bg-color\:null,\align-items\:null,\bg-overlay\:null,\bg-gradient\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\h4gfqh\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null,\invert-colors\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\bodyText\:\\u003Ch2 style\\\text-align: center\\\>Protect your family – now and into the future.\u003C/h2>\u003Cp style\\\text-align: center\\\>Tell me a bit about yourself, and I will call you to discuss a personalized 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style\\\text-align: center\\\>Related Articles\u003C/h2>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\block-name\:null,\hide-from-section\:null,\libraryBlockId\:\hdhhw9\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\bc8w8d\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\q95p33\,\type\:\articles\,\variants\:{\layout\:\contained\,\child-width\:\slim\,\padding-all\:null,\padding-top\:null,\padding-bottom\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showMedia\:true,\showHeadline\:true,\showBody\:true,\container-type\:\grid\,\column-count\:\2\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryFilters\:{\sortBy\:{\columnTitle\:\createdDt\,\isAscending\:false},\categoryIds\:null},\update-items\:null,\items\:{\id\:126126,\localItemId\:\PRuzuZCkl6up9VgENsqDy\,\createdBy\:\k.spohrer@fusion92.com\,\createdDt\:\2024-05-22T17:56:06.223\,\description\:\Should 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Here’s why you should consider managing your finances IRL.\u003C/p>\,\n              \headline\: \3 reasons the human element is still important for financial guidance\,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-3-reasons-the-human-element-is-still-important-for-financial-guidance.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \why-the-human-element-matters-in-financial-guidance\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126123,\n            \localItemId\: \0LTRR812IZtFJSI46IgP-\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T17:28:22.607\,\n            \description\: \How to get the most out of your extra cash\,\n            \expirationDt\: \2025-12-31T00:00:00Z\,\n            \handle\: \38f4e784-625f-4737-8f15-157292dc3b10\,\n            \title\: \How to get the most out of your extra cash\,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \How to get the most out of your extra cash\,\n              \bodyText\: \\u003Cp>Having a little bit of extra cash saved up is a luxury, but are you really making the most of it? Here are some ways you can make sure your extra savings are being put to good use.\u003C/p>\,\n              \headline\: \How to get the most out of your extra cash\,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-how-to-get-the-most-out-of-your-extra-cash.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \how-to-get-the-most-out-of-your-extra-cash\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126124,\n            \localItemId\: \5VMgR61SP4USrk5jzLpnY\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T17:40:16.877\,\n            \description\: \Preparing for retirement over the decades\,\n            \expirationDt\: \2025-12-30T00:00:00Z\,\n            \handle\: \c7fc1af9-05f2-4e72-a71c-7ca8e104896d\,\n            \title\: \Preparing for retirement over the decades\,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \Preparing for retirement over the decades\,\n              \bodyText\: \\u003Cp>What does it really mean to be ready for retirement? Whether retirement is decades away, or just around the corner, here are some general guidelines for how you should be thinking about retirement over the decades.\u003C/p>\,\n              \headline\: \Preparing for retirement over the decades\,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-preparing-for-retirement-over-the-decades.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \preparing-for-retirement-over-the-decades\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126125,\n            \localItemId\: \DFTx5j-X5UDsie1zco6mS\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T17:51:13.61\,\n            \description\: \Having a child this year? Heres how much it will cost to pay for your childs education\,\n            \expirationDt\: \2025-03-13T00:00:00\,\n            \handle\: \6a3d8ecd-634f-4bec-9a42-5cc6a88ad99f\,\n            \title\: \Having a child this year? Heres how much it will cost to pay for your childs education\,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \Having a child this year? Heres how much it will cost to pay for your childs education\,\n              \bodyText\: \\u003Cp>One of the biggest expenses in a child’s life will be education—but how much will college cost by the time your newborn is ready to hit the books? Here’s how much it will cost and some tips to help prepare for the expense.\u003C/p>\,\n              \headline\: \Having a child this year? Heres how much it will cost to pay for your childs education\,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-having-a-child-this-year.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \child-education-cost\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126126,\n            \localItemId\: \E2_m8TYXHWxFFWU5ZAipm\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T17:56:06.223\,\n            \description\: \Should you combine your finances after getting married\,\n            \expirationDt\: \2025-02-10T00:00:00\,\n            \handle\: \38a3e773-11e6-410f-abf5-f556a47c2625\,\n            \title\: \Should you combine your finances after getting married\,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \Should you combine your finances after getting married\,\n              \bodyText\: \\u003Cp>Whether or not to tie your finances together after you’ve tied the knot is a big question for all newly married couples. Here’s what you need to consider before making the decision.\u003C/p>\,\n              \headline\: \Should you combine your finances after getting married\,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-should-you-combine-finances-after-getting-married.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \should-you-combine-your-finances-after-getting-married\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126127,\n            \localItemId\: \gHJQYCVox1ZZVSRq1LGjq\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T18:00:35.74\,\n            \description\: \Starting a family the total cost of a baby in 1983 versus today \,\n            \expirationDt\: \2025-02-10T00:00:00\,\n            \handle\: \ef449e81-aa0c-42f0-84e4-49f1eeb04915\,\n            \title\: \Starting a family the total cost of a baby in 1983 versus today \,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \Starting a family the total cost of a baby in 1983 versus today \,\n              \bodyText\: \\u003Cp>Having a child has always been a big decision, and a big expense, but how much more do new parents today have to pay than their parents did? Here’s what it costs to raise a child in 2023, compared with 1983, and advice on how to manage the expense.\u003C/p>\,\n              \headline\: \Starting a family the total cost of a baby in 1983 versus today \,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-starting-a-family.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \starting-a-family-the-total-cost-of-a-baby\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126128,\n            \localItemId\: \poX5pYbNqxIR1LUkjkRqW\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T18:10:28.067\,\n            \description\: \5 things to do after divorce to help build financial freedom\,\n            \expirationDt\: \2025-02-10T00:00:00\,\n            \handle\: \8dd720b4-dc76-42ec-9856-d0c3d0d4293a\,\n            \title\: \5 things to do after divorce to help build financial freedom\,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \5 things to do after divorce to help build financial freedom\,\n              \bodyText\: \\u003Cp>Divorce is a reality that half of married couples will face in their lifetime—it’s an emotionally challenging time for most, but bringing a thoughtful approach to your finances throughout the process can ensure that you come out on the other side prepared for your new life.\u003C/p>\,\n              \headline\: \5 things to do after divorce to help build financial freedom\,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-5-things-to-do-after-divorce-to-help-build-financial-freedom.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \5-steps-to-financial-freedom-after-divorce\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126129,\n            \localItemId\: \_jchHPF691BdFfLaMKSyh\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T18:20:06.073\,\n            \description\: \4 ways to cut your tax bill in retirement\,\n            \expirationDt\: \2026-01-02T00:00:00Z\,\n            \handle\: \b83d642a-ecda-45df-906a-2cdb8f923ac9\,\n            \title\: \4 ways to cut your tax bill in retirement\,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \4 ways to cut your tax bill in retirement\,\n              \bodyText\: \\u003Cp>Retiring this year? One of the biggest changes you may face in retirement comes on your annual tax return—here’s how you can make sure you take advantage of these 4 tips for cutting your tax bill in retirement.\u003C/p>\,\n              \headline\: \4 ways to cut your tax bill in retirement\,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-4-ways-to-cut-your-tax-bill-in-retirement.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \4-ways-to-cut-your-tax-bill-in-retirement\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126131,\n            \localItemId\: \k1YgYxP3fqcRyXC9VuSFv\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T18:28:19.39\,\n            \description\: \5 things that trigger your tax planning going from online-only to a tax professional\,\n            \expirationDt\: \2025-12-30T00:00:00Z\,\n            \handle\: \d01a1ad5-5d2f-4805-b500-ccfd58bfab82\,\n            \title\: \5 things that trigger your tax planning going from online-only to a tax professional\,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \5 things that trigger your tax planning going from online-only to a tax professional\,\n              \bodyText\: \\u003Cp>Depending on your situation, tax season can become very complicated. As your life situation changes, so does your tax situation. Here are 5 signs that your tax situation is getting complicated enough that you might need to consult a tax professional.\u003C/p>\,\n              \headline\: \5 things that trigger your tax planning going from online-only to a tax professional\,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-5-things-that-trigger-your-tax-planning-going-from-online-only-to-a-tax-professional.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \5-reasons-to-see-a-tax-professional\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126132,\n            \localItemId\: \rEp23K1i9TJ9pIbD5qRH-\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T18:32:54.157\,\n            \description\: \Simple ways for small businesses to provide financial wellness programs for their employees\,\n            \expirationDt\: \2025-12-30T00:00:00Z\,\n            \handle\: \b2d1651d-7d0b-4781-ba46-142d42eaa38a\,\n            \title\: \Simple ways for small businesses to provide financial wellness programs for their employees\,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \Simple ways for small businesses to provide financial wellness programs for their employees\,\n              \bodyText\: \\u003Cp>Your strongest asset as a small-business owner is your employees. A financial wellness program can be an easy and scalable way to show your employees that you are there to support them in their lives at work and at home. Here are some ideas to help you get started.\u003C/p>\,\n              \headline\: \Simple ways for small businesses to provide financial wellness programs for their employees\,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-simple-ways-for-small-businesses-to-provide-financial-wellness-programs.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \simple-ways-to-provide-financial-wellness-to-employees\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126133,\n            \localItemId\: \tVWQoIT6cVCXLRVDxFZJt\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T18:37:47.65\,\n            \description\: \How to protect your small business from a lawsuit\,\n            \expirationDt\: \2025-12-30T00:00:00Z\,\n            \handle\: \d983ab3a-d12d-4b9f-abe7-6edbd5a05db6\,\n            \title\: \How to protect your small business from a lawsuit\,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \How to protect your small business from a lawsuit\,\n              \bodyText\: \\u003Cp>Lawsuits are a reality that many people face today. You can be sued for almost anything, so what steps can you take as a small-business owner to protect yourself—and ideally avoid a lawsuit before it even happens?\u003C/p>\,\n              \headline\: \How to protect your small business from a lawsuit\,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-how-to-protect-your-small-business-from-a-lawsuit.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \how-to-protect-your-small-business-from-a-lawsuit\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126134,\n            \localItemId\: \8Sxsk8vfdMsX9ekAMWi4u\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T18:41:54.657\,\n            \description\: \What you need to know about retirement plans as a small business owner\,\n            \expirationDt\: \2025-12-31T00:00:00Z\,\n            \handle\: \c5b1b61c-d7c4-4392-a8b2-b14f873e3f75\,\n            \title\: \What you need to know about retirement plans as a small business owner\,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \What you need to know about retirement plans as a small business owner\,\n              \bodyText\: \\u003Cp>When you started your small business, maybe you didn’t imagine how big your staff would grow. Establishing financial benefits like retirement plans is a crucial way to attract and retain good employees. Here’s everything you need to know to get started.\u003C/p>\,\n              \headline\: \What you need to know about retirement plans as a small business owner\,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-what-you-need-to-know-about-retirement-plans-as-a-small-business-owner.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \retirement-plans-for-small-businesses\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126135,\n            \localItemId\: \k9EI21TAx1mObDlmPWucw\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T18:46:22.317\,\n            \description\: \Financial basics for your high school graduate\,\n            \expirationDt\: \2025-12-30T00:00:00Z\,\n            \handle\: \375738f7-6f0d-48fa-a260-ea729b3a6374\,\n            \title\: \Financial basics for your high school graduate\,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \Financial basics for your high school graduate\,\n              \bodyText\: \\u003Cp>Leaving home for the first time can be a challenging time for parents and children. To make sure your new grad is ready to face life away from home, here are some financial basics you can teach today to set your child up for financial success in the future.\u003C/p>\,\n              \headline\: \Financial basics for your high school graduate\,\n              \overline\: null,\n              \url\: \https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/thumbnail-article-financial-basics-for-your-high-school-graduate.png\,\n              \webHostedAssetUrl\: null,\n              \page\: {\n                \urlSlug\: \financial-basics-for-your-high-school-graduate\,\n                \ctaText\: \Read More\\n              }\n            }\n          },\n          {\n            \id\: 126136,\n            \localItemId\: \k6EDGZujyLf_cVJ2eDLBh\,\n            \createdBy\: \k.spohrer@fusion92.com\,\n            \createdDt\: \2024-05-22T18:55:49.88\,\n            \description\: \6 Questions to ask a financial professional\,\n            \expirationDt\: \2025-12-30T00:00:00Z\,\n            \handle\: \ba09b0b3-a60c-4308-bd6f-bd4b511d8c44\,\n            \title\: \6 Questions to ask a financial professional\,\n            \type\: \article\,\n            \presetSettings\: {\n              \altText\: \6 Questions to ask a financial professional\,\n              \bodyText\: \\u003Cp>Finding the right financial professional can feel daunting. 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And since the cost of education keeps going up, nows the time to study up on ways to meet the rising cost. Fortunately, there may be several ways that we can help. One of the instruments we may use is cash value life insurance.* As a living benefit of permanent life insurance, the policys cash value can be accessed via policy loans in order to help pay for college.* The cash value of life insurance does not have to be disclosed in FASFA forms. 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}}}\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\hasAccordion\:null,\locked\:null,\allowTypes\:null,\restrictTypes\:null,\id\:\zvcb47\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\hasAccordion\:null,\locked\:null,\allowTypes\:null,\restrictTypes\:null,\id\:\qrtqhq\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\locked\:null,\allowTypes\:null,\restrictTypes\:null,\backgroundMediaSrc\:null,\id\:\gxnncm\},\backgroundMediaSrc\:\https://f92core-nylwebsites.azureedge.net/3/uploads/3-step-checklist_desktop.jpg\,\id\:\g2h4ch\},{\type\:\rows\,\variants\:{\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\,\padding-x\:\px-small\},\showBreadcrumb\:true,\overline\:\Overline\,\headline\:\Headline lorem ipsum dolor sit\,\subline\:\Subline Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor\,\bodyText\:\Body Copy Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna.\,\button-primary-label\:\Primary Button\,\button-secondary-label\:\Secondary Button\,\button-tertiary-label\:\Tertiary Button\,\rowHeight\:\auto\,\blocks\:{\type\:\rows\,\variants\:{\bg-color\:null,\hidden\:false,\bg-overlay\:null,\layout\:null,\align-items\:null},\rowHeight\:\auto\,\blocks\:{\type\:\rich-text\,\variants\:{\size\:null,\hidden\:false,\padding-bottom\:\pb-medium\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\id\:\k3n3sj\,\bodyText\:\\u003Cp>Whether you’re just starting to explore investments, revisit your life insurance policy or maybe take a more serious look at your estate plan, finding the right financial professional to help you along the way can be a challenge. From RIAs to Financial Advisors to Life Insurance Agents, financial professionals come in all shapes and sizes, and it’s important to make sure you find one that suits you and your family’s needs.\u003C/p>\u003Cp>Beyond that, finding the right \u003Cem>person\u003C/em> to work with is essential. That way, you make sure youre getting the services you need in a way that makes you feel comfortable, and confident with the advice you’re getting. Here are three key considerations to keep in mind when selecting a financial professional.\u003C/p>\},{\type\:\rich-text\,\variants\:{\size\:null,\hidden\:false,\padding-bottom\:\pb-medium\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\id\:\m82g7g\,\bodyText\:\\u003Ch4>Checkbox 1: Fit \u003C/h4>\u003Cp>Comfort and an ability to speak candidly with the person you’re working with is important in a financial professional. You need to trust and have confidence in them to make the best decisions for you and your family throughout your financial lifecycle. Consider that these financial relationships can last for decades, even generations, and endure multiple economic cycles. You’ll want to choose someone you and your family will feel good about working with.\u003C/p>\u003Cp>Look for signs that you are compatible with one another during an initial meeting. This can include whether you feel like you and your partner’s needs are being addressed and whether their style or approach matches your personality. Pay attention to conversation topics you seem to enjoy discussing and whether you feel comfortable in their presence – how does your spouse feel when they talk?\u003C/p>\u003Cp>If you find yourself feeling awkward or having long silences, its likely that your personalities wont click. Ask yourself, is this the kind of person you and your partner would feel comfortable going to coffee or lunch with? Having something in common with your financial professional beyond the business relationship is often a good sign that they’re a fit for you.\u003C/p>\u003Cp>To be sure, trust your intuition; it is often the most accurate indicator. You should also ask about their typical client profile to see if you are a match on paper.\u003C/p>\},{\type\:\rich-text\,\variants\:{\size\:null,\hidden\:false,\padding-bottom\:\pb-medium\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\id\:\nnphyw\,\bodyText\:\\u003Ch4>Checkbox 2: Approach \u003C/h4>\u003Cp>Investigate a potential financial professional’s financial wellness philosophy – how do they view protection needs, investment approach, risk appetite, or personal beliefs? All of these factors can deeply affect how you approach your finances and the role that they’ll play in your planning.\u003Cbr>\u003Cbr>Keep in mind what matters most to you when considering a financial professional’s approach. Perhaps safety is your top priority, and you are looking for a professional who can provide you with secure, low-risk investments and protection of your assets and income. Or perhaps you are looking for rapid growth, and you want to find someone knowledgeable about the stock market who can help you make investments that might yield higher returns.\u003Cbr>\u003Cbr>You could also be looking for a more personalized approach or to work with someone who will avoid jargon and take the time to get to know you, your family, and your financial goals. Be sure to align your values with those of your financial professional for a more positive and productive experience together.\u003C/p>\},{\type\:\rich-text\,\variants\:{\size\:null,\hidden\:false,\padding-bottom\:\pb-medium\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\id\:\fbbqy4\,\bodyText\:\\u003Ch4>Checkbox 3: Type of Financial Professional \u003C/h4>\u003Cp>Not all financial professionals have the same levels of specialization or areas of expertise. Make sure you get to know what each type of professional specifically does and who they serve. Here are some of the most common types of financial professional, and the services they provide: \u003C/p>\u003Cp>\u003C/p>\u003Cp>1.Life Insurance Agent\u003C/p>\u003Cul>\u003Cli>\u003Cp>Services provided: A life insurance agent can provide guidance and service on various financial products, including different types of insurance policies, and other protection products\u003C/p>\u003C/li>\u003Cli>\u003Cp>Fee structure: Life insurance agents typically make money through commissions on any products or policies they sell to clients\u003C/p>\u003C/li>\u003C/ul>\u003Cp>2. Financial Planner\u003C/p>\u003Cul>\u003Cli>\u003Cp>Services provided: A financial planner creates a financial plan to help you achieve your goals. They will often offer a variety of services, including advice on investments, budgeting, saving and tax matters\u003C/p>\u003C/li>\u003Cli>\u003Cp>Fee structure: Financial planners typically charge per plan.\u003C/p>\u003C/li>\u003C/ul>\u003Cp>3. Financial Advisor\u003C/p>\u003Cul>\u003Cli>\u003Cp>Services provided: A financial advisor offers advice and guidance on investments and asset management\u003C/p>\u003C/li>\u003Cli>\u003Cp>Fee structure: Financial advisors typically make money through fees, normally based on a percentage of the assets they are managing.\u003C/p>\u003C/li>\u003C/ul>\u003Cp>\u003Cstrong>Additionally\u003C/strong>\u003C/p>\u003Cp>1.Estate Planner\u003C/p>\u003Cul>\u003Cli>\u003Cp>Services provided: An estate planner helps you manage your estate and helps you create a plan to pass down your assets to your heirs\u003C/p>\u003C/li>\u003Cli>\u003Cp>Fee structure: Many estate planners will charge an hourly fee for services, ranging from $100 to upwards of $400/hour depending on their level of experience and clientele. They may also have flat fees for certain services like preparing a will.\u003C/p>\u003C/li>\u003C/ul>\u003Cp>2. Tax Advisor\u003C/p>\u003Cul>\u003Cli>\u003Cp>Services provided: A tax advisor can help explain and provide guidance on the tax implications of your financial decisions.\u003C/p>\u003C/li>\u003Cli>\u003Cp>Fee structure: Tax advisors typically charge an hourly rate for services, which can range from under $100/hour to more than $400/hour. They may also charge flat fees for certain services, that can range drastically depending on the complexity of the service.\u003C/p>\u003C/li>\u003C/ul>\u003Cp>3. Accountant\u003C/p>\u003Cul>\u003Cli>\u003Cp>Services provided: An accountant will help you with your tax and accounting needs and may also advise on money management. They can assist you with filing your income taxes.\u003C/p>\u003C/li>\u003Cli>\u003Cp>Fee structure: Accountants typically charge an hourly rate for their services, ranging from $100 to more than $500 per hour, depending on the accountant and the services being provided. Some accountants may have scaling flat fees for services like income tax filing.\u003C/p>\u003C/li>\u003C/ul>\u003Cp>Each financial professional will have different fees associated with their services. An insurance agent may not charge any fees at all, while an advisor or investment manager may have higher fees that reflect the complexity of the work they do. Fees may also be based on different criteria, depending on aspects like your portfolio performance, the financial products you purchase, the complexity of your accounts, or the total amount of wealth you have to manage.\u003C/p>\u003Cp>Before making a choice, understand how they are paid for the work they do with you and determine if it’s right for you and your needs. Also, think about if your situation requires a more specialized professional and if it is worth paying the extra fees for their services. Ultimately, the decision should reflect your individual needs and goals.\u003C/p>\},{\type\:\rich-text\,\variants\:{\size\:null,\hidden\:false,\padding-bottom\:\pb-medium\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\id\:\drh9g4\,\bodyText\:\\u003Ch4>Invest in Your Financial Future with the Right Financial Professional \u003C/h4>\u003Cp>Choosing the right financial professional doesn’t have to be an overwhelming process. By following our three-box checklist, you can narrow down your options and find the one that fits your needs at a cost you can afford.\u003C/p>\u003Cp>Working with a financial professional can also give you peace of mind knowing you have the advice and support necessary to make informed financial decisions.\u003C/p>\},{\type\:\rich-text\,\variants\:{\size\:\disclosure\,\hidden\:false,\padding-top\:\pt-large\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\id\:\gb6mvf\,\bodyText\:\\u003Cp>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.\u003C/p>\u003Cp>SMRU #5457781.1 exp. 3/7/25 \u003C/p>\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\locked\:null,\allowTypes\:null,\restrictTypes\:null,\backgroundMediaSrc\:null,\id\:\b6xt6m\},\id\:\x9xhcp\},\fromPreset\:\3-step checklist when selecting a financial professional _582\,\fromPresetCategory\:\LAYOUT\},,2023-10-17T05:07:43.863Z,{id:4033,handle:4034,title:4035,description:3255,navigationTitle:3255,seoTitle:4035,seoDescription:3255,layoutId:3255,layout:3255,layoutIdentifier:3255,blocks:4036,redirectUrl:3255,siteid:3756,parentPageId:3255,isDeleted:5,isPrivate:6,seoIsPrivate:5,settings:3892,orderSequence:2973,link:3766,presetId:3171,pageTags:4037,createdBy:3902,createdDt:4038,updatedBy:3963,updatedDt:3964,newFieldForParentId:3255},186610,copyright,Copyright,{\id\:\f2n7gt\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\showBreadcrumb\:true,\overline\:\Overline\,\headline\:\Headline lorem ipsum dolor sit\,\subline\:\Subline Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor\,\bodyText\:\Body Copy Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna.\,\button-primary-label\:\Primary Button\,\button-secondary-label\:\Secondary Button\,\button-tertiary-label\:\Tertiary Button\,\rowHeight\:\auto\,\blocks\:{\id\:\g229rz\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\n422qg\,\type\:\rich-text\,\variants\:{\size\:null,\hidden\:false,\align\:\left\,\text-align\:null,\padding-top\:null,\padding-bottom\:null,\padding-x\:null},\bodyText\:\\u003Cp>\u003Cstrong>© 2024 New York Life Insurance Company. All rights reserved.\u003C/strong>\u003C/p>\u003Cp>New York Life Insurance Company owns the NEW YORK LIFE, NEW YORK LIFE Blue Box logo, and other trademarks displayed on this site.\u003C/p>\u003Cp>New York Life Insurance Company or its affiliates (collectively, “NYL”) own or license all content and materials available on this site. You may save designated materials on your own computer or print them for your personal use. Any other use of these materials is prohibited.\u003C/p>\u003Cp>NYL provides content, material, and links on this site AS IS, for your convenience and for general informational purposes. Your purchase of any NYL product remains governed by the terms of the insurance policy, annuity contract, or other offering documents provided in connection with the purchase; no contrary terms or information available on or through this site modify those documents.\u003C/p>\,\libraryBlockId\:\mmgv5q\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\backgroundMediaSrc\:null,\helpTip\:true,\fromPreset\:\Copyright Non 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premier team at New York Life with expertise in legal, accounting, insurance, and business planning for high-net-worth individuals and businesses. We’ll work with APG and your other advisors to help you prepare and protect what you’ve worked so hard to achieve.  \u003C/p>\u003Cp>By focusing on six key areas—asset protection, capital asset risk, income taxation, income protection, retirement planning, and estate planning—APG can help develop a holistic financial strategy to help ensure your path to success.\u003C/p>\u003Cp>\u003Cstrong>We work with APG to:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>\u003Cp>Identify gaps or propose improvements to your current strategies\u003C/p>\u003C/li>\u003Cli>\u003Cp>Build custom strategies to meet your specific business and estate planning needs\u003C/p>\u003C/li>\u003Cli>\u003Cp>Offer solutions to help you achieve your financial and protection goals\u003C/p>\u003C/li>\u003C/ul>\,\n            \linkUrl\: null,\n            \newWindow\: null,\n            \linkInternal\: null,\n            \block-name\: null,\n            \hide-from-section\: null,\n            \libraryBlockId\: \v5tz7b\\n          }\n        ,\n        \linkUrl\: null,\n        \newWindow\: null,\n        \linkInternal\: null,\n        \intro-text-show\: null,\n        \intro-text\: null,\n        \height\: null,\n        \intervalSwipeTime\: null,\n        \section-name\: null,\n        \hasAccordion\: null\n      }\n    ,\n    \libraryBlockId\: \trqy6w\\n  },\n  {\n    \id\: \v7d2wb\,\n    \type\: \rows\,\n    \variants\: {\n      \layout\: \full-bleed\,\n      \overlay-opacity\: \medium-overlay\,\n      \gradient-color\: \black-gradient\,\n      \bg-color\: \themed-light\,\n      \padding-top\: \pt-huge\,\n      \padding-bottom\: \pb-huge\\n    },\n    \rowHeight\: \auto\,\n    \blocks\: \n      {\n        \id\: \bt78b5\,\n        \type\: \rows\,\n        \variants\: {\n          \overlay-opacity\: \medium-overlay\,\n          \gradient-color\: \black-gradient\,\n          \layout\: \contained\,\n          \bg-overlay\: null,\n          \bg-gradient\: null,\n          \row-style\: null,\n          \bg-color\: null,\n          \align-items\: null,\n          \padding-all\: null,\n          \padding-top\: null,\n          \padding-bottom\: null,\n          \padding-left\: null,\n          \padding-right\: null,\n          \padding-x\: null,\n          \_custom\: null\n        },\n        \rowHeight\: \auto\,\n        \blocks\: \n          {\n            \id\: \cyhg52\,\n            \type\: \rich-text\,\n            \variants\: {\n              \invert-colors\: null,\n              \padding-all\: null,\n              \padding-top\: null,\n              \padding-bottom\: \pb-medium\,\n              \padding-left\: null,\n              \padding-right\: null,\n              \padding-x\: null,\n              \_custom\: null\n            },\n            \column-count\: \2\,\n            \blocks\: \n              {\n                \id\: \f7j6ty\,\n                \type\: null,\n                \variants\: {},\n                \libraryBlockId\: \xk4d9p\\n              },\n              {\n                \id\: \zyzsb6\,\n                \type\: null,\n                \variants\: {},\n                \libraryBlockId\: \zgq2hx\\n              }\n            ,\n            \linkUrl\: null,\n            \newWindow\: null,\n            \linkInternal\: null,\n            \section-name\: null,\n            \bodyText\: \\u003Ch2 style\\\text-align: center\\\>Meet the team\u003C/h2>\u003Cp style\\\text-align: center\\\>APG’s experienced professionals have advanced degrees, industry designations, and specialized training in business protection and succession, nonqualified executive benefit strategies, tax diversification and reduction strategies, wealth transfer and distribution, transnational planning for non-U.S. citizens, estate tax mitigation, charitable planning, and more. Working with these professionals, we can present you with a wide variety of highly effective solutions designed to meet your complex business and estate planning needs.\u003C/p>\,\n            \block-name\: null,\n            \hide-from-section\: null,\n            \libraryBlockId\: \cnt4ts\\n          },\n          {\n            \id\: \p9vsck\,\n            \type\: \button\,\n            \variants\: {\n              \style\: \tertiary\,\n              \icon-placement\: \icon-right\,\n              \options\: null,\n              \text-align\: null,\n              \padding-all\: null,\n              \padding-top\: null,\n              \padding-bottom\: null,\n              \padding-left\: null,\n              \padding-right\: null,\n              \padding-x\: null,\n              \_custom\: null\n            },\n            \linkUrl\: null,\n            \newWindow\: true,\n            \linkInternal\: null,\n            \icon\: \arrow-right\,\n            \label\: \Advanced Planning Group\,\n            \alt\: \arrow right\,\n            \url\: \https://www.newyorklife.com/advanced-planning-group\,\n            \block-name\: null,\n            \hide-from-section\: null,\n            \libraryBlockId\: \z2pbmf\\n          }\n        ,\n        \linkUrl\: null,\n        \newWindow\: null,\n        \linkInternal\: null,\n        \backgroundMediaSrc\: null,\n        \section-name\: null,\n        \overlay-show\: null,\n        \gradient-show\: null,\n        \block-name\: null,\n        \libraryBlockId\: \nr5hwy\\n      }\n    ,\n    \libraryBlockId\: \gc7ns9\\n  }\n,3759,2977,3920,3926,3939,3953,3978,2969,2970,2971,2972,2973,2974,2975,4046,3982,4047,3983,4048,3984,4049,3987,3988,3989,4050,3990,4051,1176,1301,1303,1305,1320,1322,2024-09-16T16:09:13.247Z,{title:4054,seoTitle:4054,seoDescription:4054,blocks:4055,parentPageId:3966,handle:4056,id:3144,isPrivate:6,newFieldForParentId:3966},Having control over your day-to-day finances,{\id\:\cwrgsg\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\tycs2n\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\mgrtzp\},\libraryBlockId\:\njgv8x\},{\id\:\dbj55t\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\ybbgtm\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>Having control over your day-to-day finances\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/Having-control-day-to-day-finances_desktop.jpg\,\alt\:\couple looking at finances on a laptop\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1757,\top\:0,\bgPosition\:\61% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:1972,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\grf4hw\},\libraryBlockId\:\nqj4mn\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\r8dfxc\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\tkmkg3\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>Money can be a highly personal and emotional topic, and this is completely understandable. After all, finances can encompass everything from concerns about monthly expenses, rent, or mortgages to ensuring there are sufficient funds saved for a childs education, future retirement, or a memorable family holiday. Many of these topics are not only sensitive but also stressors that can affect how to control your spending habits as a whole.  \u003C/p>\u003Cp>Rather than resisting the connection between personal finances and the emotions, it’s important to embrace and explore their relationship. In this article, we’ll take a closer look at how money and emotions work together, for better or for worse, as well as how to effectively manage day-to-day finances in the midst of stress or turmoil. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\dnct8t\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\k7xswx\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\ngkxdt\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>The Connection Between Money and Emotions \u003C/h4>\u003Cp>The link between finances and emotions is strong and valid. Nobel Prize-winning psychologist Daniel Kahneman conducted a study demonstrating that 90% of financial decisions are \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\Hyperlink SCXW165890468 BCX0\\\ href\\\https://www.cnb.com/personal-banking/insights/emotions-and-financial-decisions.html\\\>driven by emotion\u003C/a>, while only 10% are based on logic.\u003Csup>1\u003C/sup> \u003C/p>\u003Cp>Negative emotions can affect our financial decisions, leading us to spend more, make poor investment choices, or take excessive risks. These decisions can create financial gaps with a powerful impact on our mental and emotional health, often resulting in stress, anxiety, frustration, shame, low self-esteem, and depression. This can create a perpetual cycle of negative emotion and financial hardship that can be difficult to escape.  \u003C/p>\u003Cp>If emotions have the potential to push us toward poor financial choices, should we focus on removing emotions from the financial decision-making process? Not necessarily. \u003C/p>\u003Cp>Relying solely on logic to make decisions is not a sound strategy. Research shows that individuals with damage to the brain regions that combine emotion and reasoning can still think clearly, yet they often make poor choices.\u003Csup>2\u003C/sup> This evidence indicates that emotions are an essential part of the decision-making process, especially when it comes to finances. \u003C/p>\u003Cp>Thoughts of money don’t always have to be associated with negative emotions. In fact, contemplating your finances can also bring positive feelings of security, comfort, and freedom. By making small changes to financial habits, a financial journey can be an empowering and uplifting experience. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\ffbd2m\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\n5cb7b\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\cmycxt\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Applying Emotion-Based Strategies to Your Finances \u003C/h4>\u003Cp>Rather than trying to remove them from the decision-making process, emotions can be used as powerful tools to help take control of your finances.  \u003C/p>\u003Cp>The next time you need to make a financial decision of any size, consider this balanced approach to make the best choice in light of your goals and financial situation without ignoring emotions in the process. \u003C/p>\u003Col>\u003Cli>\u003Cp>\u003Cstrong>Acknowledge: \u003C/strong>Take a moment to pause and recognize the emotions you are experiencing. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Identify:\u003C/strong> Consider what is causing those emotions to arise. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Analyze: \u003C/strong>Reflect on how emotions are impacting the decision-making process. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Consider:\u003C/strong> Put emotions into perspective and explore the long-term implications of how financial decisions might affect your life and future. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Separate: \u003C/strong>Analyze the facts and separate them from emotional reactions. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Rationalize: \u003C/strong>Utilize both facts and the emotions to make a rational decision and take action. \u003C/p>\u003C/li>\u003C/ol>\u003Cp>Take an example: it’s the end of the month and you’ve just opened up your credit card statement to find it’s a little bit higher than you expected. Ask yourself how that makes you feel in that moment. Maybe you’re confused because you don’t remember spending that money, or maybe you’re angry because you see your partner spent $200 on a new pair of shoes you didn’t know about. Maybe you’re frustrated because you feel like you’re paying off as much as you can and your bill keeps going up.  \u003C/p>\u003Cp>Acting on those initial emotions might look like panicking and making a big payment that will throw off your budget for the next month, or putting a freeze on your partner’s card. Applying an emotions-based strategy like the one above might look more like reviewing the statement, and identifying areas where you can cut back on spending, or marginally increasing your monthly payments, or both. Taking stock of your emotions before reacting can help prevent you from making a spur-of-the-moment decision that doesn’t actually address the underlying causes or issues you’re dealing with.   \u003C/p>\u003Cp>Taking control of your money does not mean that you need to stifle or ignore certain emotions. Instead, you can use them as a guide to help you navigate a balance between pure logic and pure emotional decision making. Emotional needs can also help direct you toward financial decisions as a whole, such as wanting to provide for your family, plan for retirement, or save for unplanned expenses. All of these have both emotional and logical implications that are worth exploring.  \u003C/p>\u003Cp>Many of our long-term financial goals are driven by emotion. Purchasing a home with a big enough yard for the kids to run around in, your dream wedding, traveling the world with your loved ones – our goals are incredibly powerful sources of inspiration and motivation to stick to financial targets. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\vznk4w\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\jh22hz\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\zdq2fq\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch3>Strategies to Alleviate Financial Anxiety \u003C/h3>\u003Cp>Try to minimize financial anxiety when it comes to getting control of your finances and improving your decision making. To do this, you can make small changes to your financial behaviors and how you control your spending habits. Here are some tips to get you started: \u003C/p>\u003Cul>\u003Cli>\u003Cp>Automate your savings account contributions. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Create a household budget to track your spending and save on food, utilities, and home improvements. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Pay down debt a little at a time to reduce overall losses, starting with your highest interest debts (normally credit cards). \u003C/p>\u003C/li>\u003Cli>\u003Cp>Start budgeting for an \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\Hyperlink SCXW210596576 BCX0\\\ href\\\https://www.newyorklife.com/articles/importance-of-emergency-fund\\\>\u003Cu>emergency fund\u003C/u>\u003C/a>\u003Cu>.\u003C/u> \u003C/p>\u003C/li>\u003Cli>\u003Cp>Celebrate small success like brewing coffee at home or cancelling that subscription you no longer use by treating yourself to something nice with some of that extra cash at the end of the month (after you put some in your savings). \u003C/p>\u003C/li>\u003Cli>\u003Cp>Use the library to borrow books, music, or movies.  \u003C/p>\u003C/li>\u003Cli>\u003Cp>Take public transportation, walk or carpool when possible. \u003C/p>\u003C/li>\u003C/ul>\u003Cp>Small financial successes can provide an emotional boost by building self-confidence and motivation. Starting out small can also help create a sense of optimism that larger financial triumphs can be achieved. These wins can be what help individuals escape the cycle created by negative emotions and financial stress. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\vzqhwx\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\ybq7kt\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\k25xnq\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Take Control of Your Emotions and Your Money \u003C/h4>\u003Cp>When managed correctly, emotions can be an incredibly powerful financial tool. More importantly, finances don’t have to only cause negative emotions. Instead, you can empower yourself when it comes to taking control of your finances by recognizing the impact money can have on your emotions. While you make positive changes to your attitudes and behaviors, you can also reduce stress and emotional strain along the way. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\j7yjsx\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\sw4bsy\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\p3z79d\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp class\\\disclosure\\\>\u003Csup>1\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.cnb.com/personal-banking/insights/emotions-and-financial-decisions.html\\\>How Emotions Can Influence Your Financial Decisions\u003C/a>,” City National Bank.\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>2\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://investor.vanguard.com/investor-resources-education/article/the-science-behind-money-and-emotion\\\>The Science Behind Money and Emotion\u003C/a>,” Vanguard Investments\u003C/p>\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions. \u003C/p>\u003Cp class\\\disclosure\\\>SMRU #5451851.1 exp. 02/10/25 \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\gs3k6y\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\jnkv64\},having-control-over-your-day-to-day-finances,{title:4058,seoTitle:4058,seoDescription:4058,blocks:4059,parentPageId:3966,handle:4060,id:3145,isPrivate:6,newFieldForParentId:3966},Easy steps for starting a \surprise\ fund,{\id\:\xkcghy\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\h8z4mt\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\pbqd7f\},\libraryBlockId\:\s6c7ty\},{\id\:\vj6mk9\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\zj7hnd\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>Easy steps for starting a \\\surprise\\\ fund\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/Easy-steps-surprise-fund_desktop.jpg\,\alt\:\two vehicles in a minor accident\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1116,\top\:389,\bgPosition\:\39% 43%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:1970,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\zdgpmj\},\libraryBlockId\:\m5435r\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\hdbn86\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\pjffwj\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>According to a survey conducted by SecureSave, only one-third of Americans have enough funds to cover an unexpected $400 expense without having to resort to credit cards or loans.\u003Csup>1\u003C/sup> What’s more, 56% of Americans are unable to afford emergency repairs of $1,000.\u003Csup>2\u003C/sup> This data reflects the growing financial insecurity among many American households.\u003Cbr>\u003Cbr>A financial safety net, like a surprise or emergency fund, is essential to provide a cushion for unanticipated costs such as car repairs, medical or veterinary bills, or job loss.\u003Cbr>\u003Cbr>Covering unexpected expenses can be difficult without emergency money to fall back on. You may end up using credit cards, payday loans, or buy-now-pay-later options that rarely work in your favor over the long term. Here, we’ll define a surprise fund and provide practical steps for how to build an emergency fund quickly without sacrificing your quality of life. The good news is that little changes can make a big difference.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\dnkh2f\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\dyzxns\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\x8fngs\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>What is a surprise fund for?  \u003C/h4>\u003Cp>A surprise fund is a separate savings account set up as financial protection against unexpected expenses. These funds should only be used for financial emergencies and not everyday expenses or other discretionary purchases.\u003C/p>\u003Cp>Examples of unexpected expenses or emergencies include:\u003C/p>\u003Cul>\u003Cli>\u003Cp>Job loss or wage reduction\u003C/p>\u003C/li>\u003Cli>\u003Cp>Unexpected medical bills\u003C/p>\u003C/li>\u003Cli>\u003Cp>Car repairs\u003C/p>\u003C/li>\u003Cli>\u003Cp>Mortgage or rent payments in jeopardy\u003C/p>\u003C/li>\u003Cli>\u003Cp>Major household appliance repairs or replacements\u003C/p>\u003C/li>\u003Cli>\u003Cp>Relocation expenses\u003C/p>\u003C/li>\u003Cli>\u003Cp>Emergency travel expenses\u003C/p>\u003C/li>\u003Cli>\u003Cp>Funeral expenses\u003C/p>\u003C/li>\u003Cli>\u003Cp>Supplies in the event of a natural disaster\u003C/p>\u003C/li>\u003Cli>\u003Cp>Emergency home repairs\u003C/p>\u003C/li>\u003Cli>\u003Cp>Legal representation\u003C/p>\u003C/li>\u003C/ul>\u003Cp>Expenses that do not qualify as a financial emergency include:\u003C/p>\u003Cul>\u003Cli>\u003Cp>New cars (unless your old one breaks down)\u003C/p>\u003C/li>\u003Cli>\u003Cp>Vacations\u003C/p>\u003C/li>\u003Cli>\u003Cp>Weddings\u003C/p>\u003C/li>\u003Cli>\u003Cp>Cosmetic home improvements\u003C/p>\u003C/li>\u003Cli>\u003Cp>Dining out\u003C/p>\u003C/li>\u003Cli>\u003Cp>Personal entertainment\u003C/p>\u003C/li>\u003C/ul>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\gfp4sz\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\mdyqsw\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\zgjz6x\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>How much do you need in a surprise fund? \u003C/h4>\u003Cp>Since everyones financial needs are different, there is no one-size-fits-all answer for how much to keep in a surprise fund.\u003Cbr>\u003Cbr>However, here is a step-by-step process to help you decide the right amount for you.\u003C/p>\u003Col>\u003Cli>\u003Cp>List all your basic and essential monthly living costs including housing, utilities, food, transportation, debt payments, medical costs, and entertainment.\u003C/p>\u003C/li>\u003Cli>\u003Cp>Add up these costs to calculate the total amount needed for a month of expenses. This is the amount you would need should you experience a loss of income.\u003C/p>\u003C/li>\u003Cli>\u003Cp>Consider how many consecutive months of expenses you may need.\u003C/p>\u003C/li>\u003Cli>\u003Cp>Calculate the total amount you wish to have in your surprise fund by multiplying the monthly expenses by the number of months you would like to save for.\u003C/p>\u003C/li>\u003C/ol>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\gb7ztv\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\sbcsyx\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\sfb8vz\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch3>How to start building your surprise fund \u003C/h3>\u003Ch4>\u003C/h4>\u003Cp>While the math will come out differently for everyone, the general rule is to save a minimum of three to six months’ expenses in your surprise fund. As a safeguard, be sure to keep your surprise fund in an FDIC-insured account, such as a savings or money market account, with an insured bank. Using these account types can also help you keep your emergency fund liquid, or easily accessible, in case of a financial crisis.\u003Cbr>\u003Cbr>We recommended setting up a separate bank account for a surprise fund. To ensure you get the best features, shop around to compare fees, interest rates, and other account options. To avoid confusion, give the account a unique nickname (e.g., Survive Financial Crisis), indicating the purpose of the funds.\u003Cbr>\u003Cbr>Setting up an automated transfer of a small, affordable amount each month or each paycheck is an easy way to ensure that money is consistently going toward your surprise fund. Automatic savings can be a great way to ensure that you are saving regularly without having to remember to do it yourself.\u003Cbr>\u003Cbr>Digital payment tools like Venmo or Zelle can make it incredibly easy to make payments – they also make it incredibly easy to make payments out of your surprise fund by accident, or when maybe you shouldn’t. Consider only linking these tools to your main account, and transferring money over from your surprise fund if you need to make an unexpected payment through one of those tools.\u003Cbr>\u003Cbr>You should never prioritize contributing to your surprise fund over paying bills, high-interest credit card balances, or high-interest loan payments. Determine a minimum amount you need in your surprise fund and prioritize putting money toward that goal ahead of non-essential spending. If you come in under budget on any expenses, such as groceries or gas, you can add the difference to your surprise fund to help build it up faster.\u003Cbr>\u003Cbr>Once you have reached your minimum amount, maintain regular contributions to your surprise fund (automated or otherwise) to ensure that it keeps growing. You can also reevaluate your expenses regularly to make sure that the amount you have set aside is still adequate. In the event that you do need to tap into your surprise fund, keep track of your spending and make sure to replenish it once you are in a position to. In an ideal world, you never need to use these funds, but it’s important that they remain accessible when you need them.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\zdrt5n\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\dn2qkk\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\bk8jpj\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Take control of your financial future \u003C/h4>\u003Cp>Unexpected emergencies happen without warning, so pre-planning is essential to warding off difficulties down the road. Establishing a surprise fund can be a great way to ensure that you wont be caught off guard by unexpected bills and financial hardships.\u003Cbr>\u003Cbr>If you don’t have a surprise fund yet, there’s no need to panic. You can start saving now to ensure you have the financial resources to face any challenges that may come your way. it can be helpful to talk through your surprise fund needs with a financial professional to help build a realistic strategy and keep you on track towards building this safety net.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\pqf834\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\m745sq\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\wf73yy\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp class\\\disclosure\\\>\u003Csup>1\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.bloomberg.com/news/articles/2023-01-24/two-in-three-can-t-cover-400-emergency-in-us-suze-orman-survey\\\>Two in Three Americans Couldn’t Cover $400 Emergency, Suze Orman Warns\u003C/a>,” Bloomberg, 01/24/2023\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>2\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.marketwatch.com/picks/heres-exactly-how-much-americans-have-in-savings-at-every-age-and-yikes-heres-what-they-should-have-01659384531#:~:textHow%20much%20do%20Americans%20have,for%20those%20ages%2055%2D64\\\>Here’s exactly how much Americans have in savings at every age – and (yikes) here’s what they should have\u003C/a>,” MarketWatch, 11/05/2022\u003C/p>\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.\u003C/p>\u003Cp class\\\disclosure\\\>SMRU #5451822.1 exp. 2/10/25\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\r35hky\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\s7s3gv\},easy-steps-for-starting-a-surprise-fund,{title:4062,seoTitle:4062,seoDescription:4062,blocks:4063,parentPageId:3966,handle:4064,id:3146,isPrivate:6,newFieldForParentId:3966},Budgeting for a 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user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>Budgeting for a non-budgeter\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/Budgeting-nonbudgeter_desktop.jpg\,\alt\:\couple creating a budget on a laptop\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1397,\top\:112,\bgPosition\:\49% 12%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode 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}}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:1968,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\s43qfr\},\libraryBlockId\:\tc8krt\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-large\,\padding-bottom\:\pb-large\},\rowHeight\:\auto\,\blocks\:{\id\:\hygmrx\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\ng8csx\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>It’s a couple of days before your next paycheck, and your checking and savings accounts are down to fumes. A single unexpected bill such as a doctor’s visit or a car repair could spell disaster. And yet, by all objective measures, you make enough money to meet your needs. \u003C/p>\u003Cp>If this stressful situation sounds familiar, you may want to consider creating a budget.  \u003C/p>\u003Cp>Basic budgeting is surprisingly easy to do, but it’s not something you’re likely to learn in school. In 2022, fewer than a quarter of high school students (\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\Hyperlink SCXW214564398 BCX0\\\ href\\\https://www.ngpf.org/state-of-fin-ed-report-2021-2022/\\\>22.7%\u003C/a>)\u003Csup>1\u003C/sup> reported that they had taken a basic personal finance course before they graduated. As a result, many of us are unprepared to start budgeting. Even with the skills and know-how, some just find it overwhelming, or don’t want to do it at all. At the same time, online shopping technologies like saving card information, and automatic renewals have made it incredibly easy for even the savviest of budgeters to spend beyond their budgets. \u003C/p>\u003Cp>And yet, done correctly, personal budgeting can take a lot of the worry out of your finances. You’ll know what you make and what you can afford to spend, and you’ll be less likely to run out of funds before all your expenses are covered, perhaps with some savings to add to the mix.   \u003C/p>\u003Cp>How do you start budgeting for beginners? This article covers the basics of household budget planning for those new to budgeting or looking to get a more complete and accurate understanding of their finances. You just might be surprised how simple and straightforward it all is.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\ywv7xn\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\ys4zqd\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\yhndjz\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Creating a budget for beginners\u003Cstrong> \u003C/strong>\u003C/h4>\u003Cp>A budget balances the money that’s coming into your accounts through income sources like paychecks and any interest or earning from other sources with the money that goes out for expenses and savings. Budgets allow you to understand where and how your money moves and then use that information to make informed decisions about how you want to allocate those funds moving forward.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\nj4wmm\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\r7qjjk\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\ggfz7z\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>Step 1. Consider how much you are spending \u003C/h5>\u003Cp>First, you will want to make a list of all your regular expenses. This includes everything from rent or mortgage payments to utility bills or what you pay for childcare on a regular basis. Estimate your monthly payments for each category. You can download your bank or credit card statements, or online account records to find out how much you pay for each. This will give you a total amount per month regarding your expenses. \u003C/p>\u003Cp>Here are some examples of regular expenses that should be accounted for in a budget: \u003C/p>\u003Cul>\u003Cli>\u003Cp>Rent/mortgage \u003C/p>\u003C/li>\u003Cli>\u003Cp>Phone \u003C/p>\u003C/li>\u003Cli>\u003Cp>Internet \u003C/p>\u003C/li>\u003Cli>\u003Cp>Cable/streaming services \u003C/p>\u003C/li>\u003Cli>\u003Cp>Electricity \u003C/p>\u003C/li>\u003Cli>\u003Cp>Natural gas \u003C/p>\u003C/li>\u003Cli>\u003Cp>Insurance premiums \u003C/p>\u003C/li>\u003Cli>\u003Cp>Credit card payments \u003C/p>\u003C/li>\u003Cli>\u003Cp>Groceries \u003C/p>\u003C/li>\u003Cli>\u003Cp>Dining out \u003C/p>\u003C/li>\u003Cli>\u003Cp>Clothing \u003C/p>\u003C/li>\u003Cli>\u003Cp>Tuition \u003C/p>\u003C/li>\u003Cli>\u003Cp>Loan payments \u003C/p>\u003C/li>\u003Cli>\u003Cp>Childcare \u003C/p>\u003C/li>\u003Cli>\u003Cp>Child support and alimony \u003C/p>\u003C/li>\u003C/ul>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\tpqc2z\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\n3qgxf\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\k4xnfq\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Step 2. Estimate your income \u003C/h4>\u003Cp>Next, you’ll calculate your income. Be sure to include after-tax income from your job, self-employment or earnings from side gigs, investment income, alimony and/or child support, and government payments like social security. Again, you’re looking for regularly occurring revenue coming into your accounts so that you can plan accordingly.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\nnzjwx\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\cnttrg\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\fsxrmr\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>Step 3. Compare your expenses and income \u003C/h5>\u003Cp>Now you have the two figures you need to create your budget: expense total and income total.  \u003C/p>\u003Cp>An easy way to see how you’re spending stacks up against your income is to create a simple spreadsheet with one column for income and one column for expenses \u003C/p>\u003Cp>You should be able to tell from a quick comparison whether you make enough to cover your monthly expenses. If not, you may have to look for some ways to cut back on spending. If you have a surplus, move on to the next step, which is building your savings.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\xc9454\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\f9gn4q\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\xd9nmh\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>Step 4.\u003Cem> \u003C/em>Get started on saving \u003C/h5>\u003Cp>It’s not ideal to spend every penny that you earn. By saving a portion of your income on a regular basis, you can build up a fund to cover unexpected expenses or plan for long-term goals. For many people, having a goal to work towards with their savings helps motivate them to stick to their savings targets. \u003C/p>\u003Cp>Take a look at how much money you have been able to save so far. If that figure is less than your goal, don’t worry. Now is when you can plan to set aside an amount you can afford out of every paycheck after your expenses are taken care of. Remember that you should always try to pay off high-interest loans or credit cards before trying to put money away in savings, which is why these expenses are important to include in your original budget. \u003C/p>\u003Cp>Consider setting up a separate checking, savings, or investment account, so that you won’t spend this money inadvertently. You can also choose to set up an auto-deposit so that the funds will come directly out of one account and into another for safekeeping, or even splitting your direct deposits automatically. You’ll be surprised at how quickly even small amounts can add up when you make them a regular part of your personal budget.  \u003C/p>\u003Cp>Your savings goals can also include larger, one-time costs. Think about your long-term goals when establishing how much you might want to save versus spend. Expenses such as buying a house or covering tuition can be incorporated into your plan with foresight rather than scrambling to save (or worse, going into debt) after the fact.  \u003C/p>\u003Cp>You might also want to consider setting up an emergency fund to cover for future expenses that you can’t predict. Set aside enough money so that you can weather unforeseen setbacks such as your car breaking down or a hefty medical bill. Experts recommend saving at least 3-6 months’ worth of expenses in a separate account to cover you in the event of a major hit to your income, such as job loss or unexpected bills.  \u003C/p>\u003Cp>While the thought of having to save thousands of dollars can be daunting, especially if you’re starting from scratch, we all have to start somewhere. Even setting aside as little as $20 a month now can have a snowball effect on your overall savings. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\s8xxdh\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\qtw8yw\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\dbhsmh\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Tracking your budget progress \u003C/h4>\u003Cp>A good budget is like a roadmap that tells you what to do to get where you want to go. But to make it work, you’ll need to monitor your progress carefully, keeping track of what you’re making compared to what you’re spending and saving.  \u003C/p>\u003Cp>You can do this in many different ways. Some people like to keep it simple, entering their income and expenses on a spreadsheet and making sure they balance their expenses and income accordingly. Others find that household apps like Mint, YNAB, \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\Hyperlink SCXW14380258 BCX0\\\ href\\\https://goodbudget.com/\\\>Goodbudget\u003C/a> or \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\Hyperlink SCXW14380258 BCX0\\\ href\\\https://www.ramseysolutions.com/ramseyplus/everydollar\\\>EveryDollar\u003C/a> are helpful. Many programs are free, at least for the basic version.  \u003C/p>\u003Cp>Because it’s so easy to overspend online and with credit cards, some beginning budgeters like to use the cash envelope budgeting system. In this approach, an individual withdraws cash for basic, recurring expenses like rent, groceries, or childcare. Money for each expense goes into a physical envelope to restrict spending in each category to what is physically available. Some online banks also allow for budgeting in different categories, so be sure to do your research. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\tsxngz\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\vy9x7p\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\fg4nbh\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\column-count\:\2\,\blocks\:{\id\:\p5f7wn\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\sizing\:\cover\},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-500x500.png\,\alt\:\placeholder\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\240px\,\libraryBlockId\:\g5jnk5\},{\id\:\jct9w2\,\type\:\rich-text\,\variants\:{\padding-top\:\pt-small\,\padding-bottom\:\pb-small\},\bodyText\:\\u003Ch5>Headline Lorem Ipsum Dolor Sit\u003C/h5>\u003Cp>Lörem ipsum oresebyrå dar tral huruvida eurodod emedan vulkanresa ede geonde kaning. Ost astrokament som kaffeflicka diacentrism sesat att makrore bykenat. Prelogi pogt delig kin nynesade hypora för pana, kuddbok. Köttklister el.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\vvd7wt\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>Helpful Tips for Budgeting \u003C/h4>\u003Cp>Tracking income and expenses may seem difficult at first, but you’ll be surprised how quickly basic budgeting becomes part of your regular routine. Here are some ways to make it easier and more effective.  \u003C/p>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Explore free online budgeting tools: \u003C/strong>These can make it easier to keep track of costs, but they’re all slightly different. Test out free versions of these apps to find out which ones work best for you. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Consolidate:\u003C/strong> Directing all of your expenses to one bank account or credit card can help make it easier to have a total view of you financial situation. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Go digital: \u003C/strong>Electronic payment can ensure greater safety and security while simplifying budgeting. Look into options like e-bills or online bill pay to keep track of everything in one place.  \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Start small:\u003C/strong> If you’re new to budgeting, it can seem overwhelming. Think about small changes you can make today, and work to get better each month. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Stay flexible\u003C/strong>: Work with a budget on a schedule that makes sense for your income and spending needs. And remember nothing is set in stone: you can adjust for major changes, like a raise or a new monthly bill, when they happen. \u003C/p>\u003C/li>\u003C/ul>\,\libraryBlockId\:\kj5tkj\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\fnntsz\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\h7rkjc\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\column-count\:\2\,\blocks\:{\id\:\nj6yzv\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\sizing\:\cover\},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-500x500.png\,\alt\:\placeholder\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\240px\,\libraryBlockId\:\f9855z\},{\id\:\jfckxv\,\type\:\rich-text\,\variants\:{\padding-top\:\pt-small\,\padding-bottom\:\pb-small\},\bodyText\:\\u003Ch5>Headline Lorem Ipsum Dolor Sit\u003C/h5>\u003Cp>Lörem ipsum oresebyrå dar tral huruvida eurodod emedan vulkanresa ede geonde kaning. Ost astrokament som kaffeflicka diacentrism sesat att makrore bykenat. Prelogi pogt delig kin nynesade hypora för pana, kuddbok. Köttklister el.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\f9dq85\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>Get started on basic budgeting now \u003C/h4>\u003Cp>If you’ve never had a budget to follow, you may worry that it will be too complicated. But actually, basic budgeting is simple and very satisfying. We know that getting started can seem daunting, but by following these basic steps, you can get a handle on your finances in no time. Making even small changes in the way you manage your money can have a huge impact on your future financial security.  \u003C/p>\u003Cp>The budgeting process can also give you confidence and a better understanding of your overall financial situation. Once you have a clear picture of your financial standing, you can start to make small changes, one at a time, that will add consistency and ease to your plans on a regular basis.  \u003C/p>\,\libraryBlockId\:\d28j8w\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\ccwq8b\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\brx9x9\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\column-count\:\2\,\blocks\:{\id\:\n38y85\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\sizing\:\cover\},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-500x500.png\,\alt\:\placeholder\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\240px\,\libraryBlockId\:\w22nqc\},{\id\:\jxn476\,\type\:\rich-text\,\variants\:{\padding-top\:\pt-small\,\padding-bottom\:\pb-small\},\bodyText\:\\u003Ch5>Headline Lorem Ipsum Dolor Sit\u003C/h5>\u003Cp>Lörem ipsum oresebyrå dar tral huruvida eurodod emedan vulkanresa ede geonde kaning. Ost astrokament som kaffeflicka diacentrism sesat att makrore bykenat. Prelogi pogt delig kin nynesade hypora för pana, kuddbok. Köttklister el.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\kywvvf\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Cp class\\\disclosure\\\>\u003Cem>\u003Csup>1\u003C/sup>\u003C/em>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn\\\ href\\\https://www.ngpf.org/state-of-financial-education-report/\\\>NGPF State of Financial Education Report 2022\u003C/a>,” Next Gen Personal Finance, 04/21/2022\u003C/p>\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions. \u003C/p>\u003Cp class\\\disclosure\\\> SMRU #5451778.1 exp. 02/10/25 \u003C/p>\,\libraryBlockId\:\q8zppc\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\ddxjt2\},budgeting-for-a-non-budgeter,{title:4066,seoTitle:4066,seoDescription:4066,blocks:4067,parentPageId:3966,handle:4068,id:651,isPrivate:6,newFieldForParentId:3966},Should you combine your finances after getting married,{\id\:\pdj43z\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\c5tcrt\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\sssrqq\},\libraryBlockId\:\nnwhqh\},{\id\:\xwxxnw\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\pht2jx\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>Should you combine your finances after getting married?\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/Should-you-combine-finances-after-getting-married_desktop.jpg\,\alt\:\couple walking down a path after their wedding\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1274,\top\:0,\bgPosition\:\44% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:1975,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\zb592w\},\libraryBlockId\:\d2f9rx\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\r2tp9j\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\gj5f2d\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>Approximately 50% of American couples facing financial issues admit that the tension negatively impacts their relationship. The same data also found that financial infidelity is enough to bring an end to a staggering 40% of relationships, which is why a prenuptial agreement may seem appealing to some.\u003Csup>1\u003C/sup>\u003C/p>\u003Cp>Money has the potential to be the source of a lot of conflict for couples, especially when one partner is a saver and the other a spender. Its important to recognize that people have different feelings and behaviors when it comes to money and finance management. Some people may be anxious, or scattered, while others might be very organized. Emotions, family influences as well as logic and past behavioral patterns can all play a part in coordinating, or conflicting, financial viewpoints.\u003C/p>\u003Cp>With so many different perspectives on money management, should you combine your finances when you get married? Let’s look at some pros and cons of combining your finances after tying the knot.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\t9m9cw\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\cx6q9w\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\fjhbp8\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>The pros of joint bank accounts \u003C/h4>\u003Cp>Combining finances with a spouse or partner after marriage can offer a more complete view of household finances, allowing for better daily management and long-term strategies for financial goals. Financial teamwork can offer multiple additional benefits as well.  \u003C/p>\u003Cp>\u003C/p>\u003Ch5>Less stress\u003C/h5>\u003Cp>When you combine your finances with your spouse, you create a system of checks and balances that can ensure payments are made on time. This eliminates the need for one partner to remind or question the other about paying bills, which can lead to resentment.\u003C/p>\u003Cp>A joint bank account can also help couples have honest conversations about money, manage and \u003Ca target\\\\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.newyorklife.com/articles/avoid-being-young-and-in-debt\\\>monitor spending to avoid debt\u003C/a>, and stay on the same page when it comes to budgeting and making financial decisions. This can help create financial harmony and avoid monetary stress for everyone involved.\u003C/p>\u003Ch5>Deeper connection\u003C/h5>\u003Cp>Combining finances with your spouse can help foster trust and transparency, as both of you are responsible for each other’s financial security. Merging finances and philosophies can also create a solid foundation of trust that stretches beyond money management. \u003C/p>\u003Ch5>More financial benefits\u003C/h5>\u003Cp>Placing a couple’s money all in one place can be a powerful tool to help them reach financial goals faster.\u003C/p>\u003Cp>By merging finances after marriage, you can take advantage of the power of compounding interest and watch your wealth grow faster. This also gives couples more financial freedom and flexibility with the ability to access funds when needed and make larger purchases more quickly.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\t3r2kv\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\r2bqtb\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\dxnbh2\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>The downsides of joint bank accounts \u003C/h4>\u003Cp>While there are clear benefits to combining finances after marriage, there are also adjustments that will need to be made by both sides coming together on the account.  \u003C/p>\u003Ch5>Relationship strains\u003C/h5>\u003Cp>Sharing finances with a spouse requires a high level of trust. If one partner has a history of poor financial decisions it can be tough to maintain a trusting relationship. A couple has to be prepared to completely and honestly lay out their financials prior to combining finances so there are no surprises.\u003C/p>\u003Cp>Or one individual may have more knowledge in finances than another which can make the less knowledgeable individual feel less equal in the relationship as its related to finances.\u003C/p>\u003Cp>Different money philosophies can also clash when combining finances with your spouse, leading to disagreements about managing, saving, spending, and investing. Discussing money openly and understanding each others goals before combining finances is essential to alleviate this issue.\u003C/p>\u003Ch5>Less control\u003C/h5>\u003Cp>Combining finances with your spouse means you have less control and freedom over your earnings. In many cases, you will both have to agree on financial decisions, which can lead to conflict if one partner violates that agreement. Conflict can also occur if one partner feels that the other is taking more control or power in financial situations. Acknowledging mistakes or conflicts and finding a road forward is a challenging, but essential part of this process. \u003C/p>\,\libraryBlockId\:\bzgfqm\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\wscp78\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\r47h3j\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Things to consider before combining finances \u003C/h4>\u003Cp>Before deciding whether to join your accounts or keep separate finances, couples can discuss several financial considerations.\u003C/p>\u003Cp>When filling financial roles in a relationship, establishing clear responsibilities can help prevent surprises or mixups along the way. Agree on which account or task each person will manage to ensure that nothing gets done twice or forgotten. This will help reduce the risk of financial mismanagement and ensure the timely completion of financial tasks while also continuing to promote transparency and cooperation.\u003C/p>\u003Cp>Establishing limits on spending can also help, whether that looks like setting a maximum dollar amount one partner can spend on a purchase without needing discussion, or even setting a set amount of money each partner can spend in a week.\u003C/p>\u003Cp>Making a financial strategy together can also help couples join their goals in more than just external accounts. Discuss and agree on short-term and long-term financial goals when combining finances to set up a budget, make informed decisions for spending, saving, and \u003Ca target\\\\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.newyorklife.com/articles/strategies-to-diversify-investments\\\>investments\u003C/a>, and avoid fighting over finances.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\cmc4yb\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\mcxh63\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\m28dw3\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Building a financially secure future together \u003C/h4>\u003Cp>Before getting married, many people are accustomed to having autonomy over their finances. Some may appreciate this while others may benefit from separate expenses and a partner offering guidance. Successful relationships often decide on a financial approach that works for both partners, whether it is sharing all assets, keeping finances completely separate, or a mixture of both. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\qgb5y4\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\qxmfbh\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\zt2v5v\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp class\\\disclosure\\\>\u003Csup>1\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.aicpa.org/news/article/relationship-intimacy-being-crushed-by-financial-tension-aicpa-survey\\\>Relationship Intimacy Being Crushed By Financial Tension: AICPA Survey,\u003C/a>” AICPA, 02/04/2021\u003C/p>\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.\u003C/p>\u003Cp class\\\disclosure\\\>SMRU #5451837.1 exp. 02/10/25\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\wr56k2\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\dfptkc\},should-you-combine-your-finances-after-getting-married,{title:4070,seoTitle:4070,seoDescription:4070,blocks:4071,parentPageId:3966,handle:4072,id:3150,isPrivate:6,newFieldForParentId:3966},5 things to do after divorce to help build financial freedom,{\id\:\b9jq7g\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\zd8zrn\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\dffcxw\},\libraryBlockId\:\fshd8r\},{\id\:\sfv7s7\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\hjgmzy\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>5 things to do after a divorce to help build financial freedom\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/5-Things-after-divorce_desktop.jpg\,\alt\:\woman evaluating her finances\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1300,\top\:0,\bgPosition\:\45% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:1965,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\h3hj3j\},\libraryBlockId\:\w8kcfn\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\x4fbtn\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\zb6nkh\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>Divorce is a perhaps unwelcome, but still common, experience for many couples. Estimates are that 40% to 50% of marriages end in divorce, and the numbers are even higher for second (60%) and third (73%) marriages.\u003Csup>1\u003C/sup> Faced with dividing assets, working with lawyers and mediators to decide on custody, and all of the other decisions that have to made when a marriage comes to an end, in most cases divorce is an emotionally, and financially, challenging time. \u003C/p>\u003Cp>Once you separate from your spouse, either before, during or after legally divorcing, the new reality hits. Household income and expenses have changed, and savings and investments look radically different. Even if alimony and/or child support are part of the agreement, your monthly expenses will likely be higher now that costs aren’t being shared as they were before. \u003C/p>\u003Cp>But while divorce may mean the end of your life with your former spouse, it can also be the start of a whole new life. In order to start the next chapter on the right foot, here are a few steps you can take both during and after the divorce proceedings to build financial freedom: \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\dtyjjj\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\w9xtrv\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\y6m46h\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>1. Educate yourself about divorce finances \u003C/h4>\u003Cp>Understanding the impact of these new changes to your life on your finances is important to ensuring financial stability moving forward. This is a time to begin doing research on what your savings, spending, and investment options look like with your newly arranged finances. \u003C/p>\u003Cp>Following the completion of the legal proceedings of a divorce, you and your spouse will likely be issued a divorce decree, which is a document that contains all of the final terms of your divorce settlement, including what to do with any assets, investments like a 401k and IRAs and bank accounts. Ensure that you have a full understanding of the terms of the divorce decree and how they apply to you – these terms are legally binding and must always be followed. \u003C/p>\u003Cp>There are a number of different resources you can pull from to help educate yourself throughout this process. Friends and family members who are divorced may have insights to share once you’re ready to hear them. Your attorney may also be able to offer tips or direct you to helpful educational resources.  \u003C/p>\u003Cp>Now is also a good time to connect with a financial professional if you don’t already work with one. They can work with you to create a roadmap for how to arrange your finances so that you can protect yourself, and any dependents you might have, for the road ahead.  \u003C/p>\u003Cp>One advantage of the single life is that you no longer have to defer to anyone else’s opinions about how you spend, save, or invest your money. You’ll have the freedom to make these decisions on your own and develop a financial strategy  that is tailored entirely to your preferences. That process starts with understanding your options. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\d23jc9\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\g5x6b5\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\bqr48t\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>2. Assemble a team of professionals \u003C/h4>\u003Cp>In most cases, you should be entering your new life with an equitable distribution of the wealth you built during the marriage. Once the legalities of the divorce are settled, you’ll shift from needing legal advice from a divorce attorney to relying on support from other experts.  \u003C/p>\u003Cp>Financial matters can be addressed with the guidance from one, or a combination of a financial advisor, accountant, insurance agent, or banker – there are even financial professionals that specialize in post-divorce finances. There is no obligation to stick with the financial professionals that you and your spouse worked with during the marriage. If you’d be more comfortable with someone else, make a switch. \u003C/p>\u003Cp>Getting expert advice in each of these areas is critical because there are many misperceptions about the financial aspects of divorce. This partly stems from changing rules. For example, for divorces executed after 2018, alimony is no longer tax deductible for the partner who pays it.\u003Csup>2\u003C/sup> It is taxable income, however, for the spouse who receives it. Child support has different tax implications. The parent paying it can’t deduct it, and the parent receiving it doesn’t have to declare it as taxable income. \u003C/p>\u003Cp>If you split money in a 401(k) or similar retirement plan through a process known as a Qualified Domestic Relations Order (QDRO), special tax rules apply. For example, if you’re younger than age 59½, you might be able to\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\Hyperlink SCXW83475183 BCX0\\\ href\\\https://www.investopedia.com/ask/answers/qdro-divorce-new-home/\\\> \u003Cu>avoid the usual 10% penalty tax\u003C/u>\u003C/a> on early withdrawals from a tax-favored retirement plan if you intend to use your QDRO distribution for another purpose, like buying a house.\u003Csup>3\u003C/sup>  \u003C/p>\u003Cp>Your team of financial, legal and tax professionals can help you understand all the tax and other financial rules that apply to your new circumstances. \u003C/p>\,\libraryBlockId\:\r5wjtt\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\js6c28\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\k6kjhg\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>3. Update your beneficiary designations \u003C/h4>\u003Cp>This is one of the planning steps people with changed life circumstances most often overlook. After you have separated all your assets, you may not want your ex-spouse to receive the money in an IRA or the proceeds of a life insurance policy that you now own solely. \u003C/p>\u003Cp>Before requesting any changes, you might need to consult with your attorney to double check the assets you now have sole discretion over. In some cases, you might want to keep your ex as the beneficiary. For example, you may decide not to change a life insurance policy if you prefer to ensure that your former spouse would be well positioned financially to care for your children if you died unexpectedly. In most cases, though, you’ll probably want to reach out to institutions where you hold each account or policy and have the beneficiary changed. \u003C/p>\u003Cp>You’ll also want to update your will if you had one as a couple. Consult with an estate planning attorney to create an updated will and estate plan to ensure your individual assets will be distributed how you intend. Don’t assume an estate plan is only for the super wealthy. A thorough plan can go beyond a will and cover key topics, like designating a healthcare proxy to make critical medical decisions on your behalf if needed. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\r52df4\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\rd9bxm\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\r3tsq7\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>4. Gather all financial records \u003C/h4>\u003Cp>If your former spouse handled money and the bills, or if you shared these tasks, you’ll have to take time now to make sure you have the records for all the assets you were granted during the division of property.  \u003C/p>\u003Cp>This may entail getting statements and, just as importantly, passwords, for each banking and investment account. Get similar information, recent bills, and policy details for life, medical, dental, and car insurance. For any property you took sole ownership of, like vehicles, make sure the titles are transferred to your name. Even if you previously filed a joint tax return and will be a single filer in the future, getting your past tax returns is important. That information will help with future returns. All these records will also help you and your team of professionals devise  solutions for your financial future. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\yqz9f6\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\p7gyzs\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\p8yk4t\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>5. Determine a new household budget \u003C/h4>\u003Cp>You are now facing new financial circumstances. Even if spousal support isn’t necessary, you’ll each be covering many bills on your own that were previously shared. Spousal and child support impacts both sides. It can be a new significant expense for the partner paying it, and even generous support might still require the partner receiving it to change their spending habits and manage money differently. \u003C/p>\u003Cp>You’ll want to develop a new budget as your next step. This spending plan should include must-pay expenses like housing payments, utilities, and premiums or support payments for medical, dental, and other forms of insurance.  \u003C/p>\u003Cp>However you define the monthly budget, taking inventory of all your current expenses and sources of income will help you determine how to meet your short-term needs and long-term goals. The latter will be especially important now that the money you had for retirement is split in half. You may need to save more to make up for lost ground.  \u003C/p>\u003Cp>If you’re already a budgeter, this is more an exercise of updating what you already have. If you’re not a budgeter (not all of us are), a financial professional can assist with these efforts by helping you devise a monthly budget and a savings plan to keep your dreams intact. \u003C/p>\u003Cp>Don’t be too daunted by the task and resist any urge to pinch pennies to stay on track. Paying the bills is essential but so is having pleasurable experiences. As you manage this transition in life, indulging yourself with sources of joy, within reason, can help you stay committed to all the financial goals you have for yourself and your family. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\z8ft3k\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\jn7jw6\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\zm325k\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Planning ahead can minimize the stress of divorce \u003C/h4>\u003Cp>Divorce can be a trying experience. It’s certainly not what you planned when you exchanged vows. Still, you can have considerable control over the shape your post-divorce life takes. Carefully planning your finances, with the assistance of supportive financial professionals, can alleviate some of the stress of this transition. It will also leave you better positioned to have the future life you want. \u003C/p>\u003Cp>There is no single roadmap for a happy life after a divorce, and it’s entirely normal to feel uncertainties about your future but following these steps can help to ensure that your finances isn’t one of them.   \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\cf9p69\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\wtrfw2\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\dbg9r5\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp class\\\disclosure\\\>\u003Csup>1\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://divorce.com/blog/divorce-statistics/\\\>48 Divorce Statistics in the U.S.\u003C/a>,” \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\http://Divorce.com\\\>Divorce.com\u003C/a>, 01/03/2023\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>2\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.irs.gov/taxtopics/tc452#:~:textTax%20Treatment%20of%20Alimony%20and%20Separate%20Maintenance\\\>Alimony and Separate Maintenance\u003C/a>,” Internal Revenue Service, 01/02/2023\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>3\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.investopedia.com/ask/answers/qdro-divorce-new-home/\\\>Using QDRO Money From a Divorce to Pay for a New Home\u003C/a>,” Investopedia, 07/09/2023\u003C/p>\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.? \u003C/p>\u003Cp class\\\disclosure\\\>SMRU #5457763.1 exp.??02/10/25 \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\bmr8d7\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\y2rpjt\},5-steps-to-financial-freedom-after-divorce,{title:4066,seoTitle:4066,seoDescription:4066,blocks:4067,parentPageId:3966,handle:4068,id:651,isPrivate:6,newFieldForParentId:3966},{title:4062,seoTitle:4062,seoDescription:4062,blocks:4063,parentPageId:3966,handle:4064,id:3146,isPrivate:6,newFieldForParentId:3966},{title:4054,seoTitle:4054,seoDescription:4054,blocks:4055,parentPageId:3966,handle:4056,id:3144,isPrivate:6,newFieldForParentId:3966},{title:4058,seoTitle:4058,seoDescription:4058,blocks:4059,parentPageId:3966,handle:4060,id:3145,isPrivate:6,newFieldForParentId:3966},{title:4062,seoTitle:4062,seoDescription:4062,blocks:4063,parentPageId:3966,handle:4064,id:3146,isPrivate:6,newFieldForParentId:3966},{title:4079,seoTitle:4079,seoDescription:4079,blocks:4080,parentPageId:3966,handle:4081,id:3143,isPrivate:6,newFieldForParentId:3966},3 reasons the human element is still important for financial guidance,{\id\:\wth6zk\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\pvpzb6\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null},\libraryBlockId\:\nnrgfj\},{\id\:\hrw76x\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\kpyvkj\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:false,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\h6z3fr\,\type\:null,\variants\:{}},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>3 Reasons the human element is still important for financial guidance \u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/3-Reasons-human-element_desktop.jpg\,\alt\:\couple meeting with an agent\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:810,\top\:158,\bgPosition\:\28% 18%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:1963,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\kzj99j\},\libraryBlockId\:\qz9r5r\},{\id\:\fpc69m\,\type\:\rows\,\variants\:{\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\,\padding-x\:\px-small\,\layout\:\full-width\},\rowHeight\:\auto\,\blocks\:{\id\:\wvvbj6\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\ryzd4p\,\type\:\rich-text\,\variants\:{\size\:null,\hidden\:false,\padding-bottom\:null,\padding-top\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Cp>Its never been easier to get financial guidance online, whether its for insurance, banking, or investments. There are a variety of online tools and platforms ranging from calculators and questionnaires to wizards and apps, available to consumers in search of quick and affordable (if not free) financial resources. But what are the pros and cons of these platforms, and how do they compare to “IRL”, real, life financial solutions? \u003C/p>\u003Cp>The decisions you make with your financial professional, whether in person or online, can have significant impacts on your financial and emotional well-being. While convenience is certainly desirable, there are still some matters best done the old-fashioned way, but with modern conveniences like virtual meetings and online account dashboards. Here are three reasons why. \u003C/p>\,\libraryBlockId\:\q9y5vw\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\hymcrw\},{\id\:\c62mwh\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\d43ppm\,\type\:\rich-text\,\variants\:{\size\:null,\hidden\:false,\padding-bottom\:null,\padding-top\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>#1. The Emotional Element \u003C/h4>\u003Cp>Online financial tools are appealing for a variety of reasons. They offer convenience, 24/7 availability, and often lower fees than traditional financial services or no obvious fees (that doesn’t mean they’re not there, just a little harder to find). But while an online questionnaire can capture data and financial information, it’s less adept at capturing your emotions. \u003C/p>\u003Cp>Conversely, a face-to-face meeting with a local financial professional allows them to get to know you personally. This can help them craft a strategy tailored not just to your data but to your personality, preferences, and emotions.  \u003C/p>\u003Cp>Using a web-based tool to manage your finances may seem like an easy way to stay organized and on track with your financial goals, but its important to remember that there is still a human element involved in formulating financial strategies.  \u003C/p>\u003Cp>When it comes to your \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\Hyperlink SCXW156363988 BCX0\\\ href\\\https://www.newyorklife.com/newsroom/factoring-personality-into-finances\\\>\u003Cu>personality and financial priorities\u003C/u>\u003C/a>, they are entirely unique to you. Working with a financial professional in person puts your money persona on display, providing crucial insight that no number of online questionnaire questions can uncover.  \u003C/p>\,\libraryBlockId\:\s7msxy\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\qvyk8p\},{\id\:\vrnchy\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\mv8d9q\,\type\:\rich-text\,\variants\:{\size\:null,\hidden\:false,\padding-bottom\:null,\padding-top\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>#2. The Personal Element  \u003C/h4>\u003Cp>Do your financial goals fit into a dropdown menu? Online platforms can be a great way to get the basics of retirement or  investment planning under your belt, but nobody wants to feel like a list item, or worse, an “Other.” While an online tool can ask you questions and take in your answers, they cant always provide the right follow-up questions. And when the pre-packaged questions dont fit your situation, you can be left trying to figure out what to do next.  \u003C/p>\u003Cp>The same thing often applies to a customer service chat. At the end of the day, technology just doesnt go far enough to give you what you need in every instance. There are occasions where you need a human touch to provide the guidance and solutions  you’re seeking. \u003C/p>\u003Cp>What happens when there’s an issue? We’ve all been there – you’ve been going back and forth with a chatbot that can’t answer your questions, and you finally pick up the phone and what do you find? Another pre-programmed robotic voice listing out the same options you just went over with the A.I.. At the end of the day, you want to know that when something goes wrong, you can pick up the phone or hop on a video call with a real person to discuss real solutions. \u003C/p>\u003Cp>A seasoned financial professional will ask the right questions to understand your unique goals and financial situation. They’ll want to get to know your long-term financial goals along with your risk tolerance, for example.  \u003C/p>\u003Cp>With this information at hand, they can then ask qualifying questions to determine the best possible solution for you, such as whether you have debt or any taxable investments.  \u003C/p>\u003Cp>Once a solution is in place, its essential for consumers to understand financial contracts. With online tools, all that’s required is a click of the “Agree” button. A financial professional can explain the technicalities and make sure consumers are aware of hidden details such as increasing premiums, fees, or underwriting, something an online platform can’t, or won’t, do. \u003C/p>\,\libraryBlockId\:\dpxh2b\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\qgf43j\},{\id\:\hc5jvq\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\q7d4d2\,\type\:\rich-text\,\variants\:{\size\:null,\hidden\:false,\padding-bottom\:null,\padding-top\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>#3. The Relationship Element \u003C/h4>\u003Cp>Online-only financial platforms have become increasingly popular in recent years due to their speed and convenience. But its important to remember the reason theyre so fast is that theyre rigid by nature. They can only do what theyre programmed to do, so youre likely to get a plan that comes close to your needs but might not be a perfect fit.   \u003C/p>\u003Cp>Having a financial professional at your side offers the flexibility to create a custom solution tailored to meet your individual needs. This is a significantly greater advantage than relying on an online tool for general advice and a generic plan. The longer you work with your financial professional, the better they get to know you, and the more able they are to bring solutions that truly fit your life. \u003C/p>\u003Cp>Life happens, and situations change. Maybe you’re getting married or having your first child. Maybe you’re getting divorced, or just lost a parent and have to figure out what to do with the inheritance they passed down to you. These are real, emotionally charged events that require a certain level of connection and understanding to navigate. Your financial professional can bring a human-level of understanding to those situations that an online platform simply cannot. \u003C/p>\,\libraryBlockId\:\bp5vkn\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\tk9xby\},{\id\:\wxf8sj\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\nwbr2z\,\type\:\rich-text\,\variants\:{\size\:null,\hidden\:false,\padding-bottom\:null,\padding-top\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>Get the Personal Touch with In-Person Financial Services \u003C/h4>\u003Cp>Online tools may be convenient, but they simply cant provide the same level of personalized service that can be provided by a financial professional. Whether it’s forming a personalized understanding of your finances, being there when you need them, or having the flexibility to adapt and change with your situation, working with someone one-on-one can be a great way to get the most out of your finances.   \u003C/p>\,\libraryBlockId\:\tf7frv\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\kywqc4\},{\id\:\y5bg2m\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\wykskw\,\type\:\rich-text\,\variants\:{\size\:\disclosure\,\hidden\:false,\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Cp>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.  \u003C/p>\u003Cp> SMRU #5457776.1 exp. 02/10/25 \u003C/p>\,\libraryBlockId\:\h694pw\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\wpvf8c\},\libraryBlockId\:\gqpyzn\},why-the-human-element-matters-in-financial-guidance,{title:4083,seoTitle:4083,seoDescription:4083,blocks:4084,parentPageId:3966,handle:4085,id:3147,isPrivate:6,newFieldForParentId:3966},How to get the most out of your extra cash,{\id\:\xkzpvr\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\w682zj\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\g8sgs4\},\libraryBlockId\:\z63tdk\},{\id\:\pz7nv3\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\jn3qpp\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>How to get the most out of your extra cash \u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/How-to-get-the-most-out-of-extra-cash_desktop.jpg\,\alt\:\man looking at stock data on a computer\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1120,\top\:130,\bgPosition\:\39% 14%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:1973,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\vk42k5\},\libraryBlockId\:\fm7w78\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\rh4ygx\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\bjjwg5\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>If you’ve saved your way to a place where you find yourself with some extra cash on hand above and beyond your savings targets, you might be wondering what to do next. There are many ways to put your extra cash to work, including a range of financial products and account types that can earn you extra interest or return, while remaining easily accessible should you ever need it. \u003C/p>\u003Cp>Don’t be afraid to shop around, explore products within your existing bank, or even look at what other banks have to offer. Americans have missed out on $603 billion over the past eight years, simply by sticking with their current bank.\u003Csup>1\u003C/sup> While you might feel loyalty to a particular bank or brand, remember that you are paying them to hold your money, and you need to choose the best option for you and your money.   \u003C/p>\u003Cp>Not sure that moving money to new accounts or an entirely new bank makes sense? Take a look at the numbers. An account offering a mere 0.05% APY compared to a bank offering 3% APY can make a massive difference on how much interest you accrue on a savings balance, for example. \u003C/p>\u003Cp>Say you have $2,000 in your regular savings account, currently earning 0.5% per year in interest. If you don’t make any additional deposits, after five years, you will have earned $50.50, bringing your balance up to $2,050.50. Now, say you found another bank offering 3% APY. In that same period, you would earn $318.55, bringing your account up to \u003Cstrong>$2,318.55. \u003C/strong>That’s $268.05 more in your pocket that barely had to lift a finger for. \u003C/p>\u003Cp>By not moving accounts or reevaluating your options, you might as well be stashing your cash in a shoe box in your closet. \u003C/p>\u003Cp>In this article, we’re going to take a look at some of the best ways to put that extra money to work for you in as simple a way as possible. There are a variety of different savings and insurance products available that can take your money further for you.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\jtd4tc\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\nmssp5\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\qz36r2\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Ways to save and earn \u003C/h4>\u003Cp>Savings accounts are some of the most common and easily accessible ways to get more from the money you have sitting in the bank. In fact, with the recent increases to interest rates, savings products are becoming more attractive than they have been in the past. \u003C/p>\u003Cp>These accounts usually pay you a higher interest rate than your standard checking account.  \u003C/p>\u003Cp>As you shop around, pay attention to the rates being offered. Sometimes institutions offer short-term teaser rates that are higher than the rate you’ll get going forward as a guaranteed rate. There can also be hidden fees or limits on the number of transactions you can make in a set period of time depending on a bank’s particular rules, which should be taken into account. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\pbh5np\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\kh4p96\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\jszmp6\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch5>High-Yield Savings Account \u003C/h5>\u003Cp>Typically available through online banks, but also available at many institutions, these accounts offer higher yields because the cost of capital is much lower than their branch competitors. You still benefit from high liquidity, or easy access to your money, but you might not be able to drive down to your local branch and talk to a bank teller.  \u003C/p>\u003Ch5>Certificates of Deposit (CDs) \u003C/h5>\u003Cp>The yield on CDs could be higher still, but they also come with slightly less liquidity. CDs have specified terms, ranging from 1 month to more than 5 years, and in most cases, withdrawing your money before your CD matures may result in penalties. These are better suited for funds you don’t anticipate needing access to for that period.  \u003C/p>\u003Ch5>Money Market Accounts \u003C/h5>\u003Cp>These accounts are unique in that they pay variable interest based on the rates dictated by the market. To open a money market account, youll likely be required to deposit and maintain a higher minimum balance than a HYSA. Accounts with better rates typically have much higher balance requirements and fees as well. Money Market Accounts may offer easier access to your money than a HYSA, though they may be subject to transaction limits. \u003C/p>\,\libraryBlockId\:\ktd96y\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\ty5pqb\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\b4wr5z\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Other Options to Keep in Mind \u003C/h4>\u003Cp>Savings vehicles are good for holding extra cash that you may want to access in the near future. However, they aren’t your only choice. If you have a need for life insurance, some types of life insurance provide a way to accumulate a cash value as well.  \u003C/p>\u003Cp>You can access your cash value. However, you need to make sure you carefully read your policy and understand how this affects you and any tax implications. If you work with a financial professional, they should be able to offer you guidance on which methods makes the most sense for you to make the most of your extra cash. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\zjmcnm\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\npr6nz\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\nd5h8s\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-620x350.png\,\alt\:null,\crop\:null,\focal\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\520px\,\contentLibraryItems\:{\id\:2052,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false,\expirationDt\:null},\bodyText\:\\u003Ch5>Cash-Value Life Insurance \u003C/h5>\u003Cp>Cash-value life insurance can be a great place for extra cash, but it is not a savings vehicle. It is important to understand that you are purchasing life insurance and therefore must have an insurance need, and there is a cost for that insurance need. Before you buy a policy make sure you fully understand what you are getting, how it works, and any risks or fees that may be associated with it. Life insurance applications are subject to underwriting.  \u003C/p>\u003Ch5>Whole Life Insurance \u003C/h5>\u003Cp>Whole life policies are the simplest form of life insurance that offer a built-in cash value component. These policies are designed to last a lifetime, rather than a fixed term, allowing your cash value to grow over time. Whole Life policies can be attractive because of the guarantees built within the policy when premiums are paid. They have guaranteed cash value growth over time, with a potential for more if the policy is eligible for dividends (which are not guaranteed). . The strength and stability of the company you choose can be a factor since the guarantees associated with any life insurance is based upon the claims paying ability of the issuing company.    \u003C/p>\u003Ch5>Variable Universal Life* \u003C/h5>\u003Cp>With a variable universal life policy, your premium is invested into a sub account that you choose from among the options made available in the policy. Although your balance may grow substantially, you also bear some investment risk and the possibility of losing value. \u003C/p>\,\libraryBlockId\:\k8vrj4\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\rmmwrc\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\h7ym6t\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch3>Putting Your Money to Work for You \u003C/h3>\u003Cp>Having extra cash on hand is a luxury that you can make the most of by making sure that it’s in an account that has the best opportunity for a return on your balance. Most banks have relatively accessible interest-earning savings, CD or money market products. Shop around, compare rates and fees, and talk to a financial professional about what could work best for you. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\h3c36s\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\btvjg5\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\f7ybz9\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp class\\\disclosure\\\>\u003Csup>1\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.wsj.com/video/series/dion-rabouin/americans-lost-603-billion-by-sticking-with-big-banks-heres-how/0A3AD04B-4094-4F39-A9B6-A4781CE1E247\\\>Americans Lost $603 Billion by Sticking with Big Banks. Here’s How\u003C/a>,” Wall Street Journal Video, 09/01/2023\u003C/p>\u003Cp class\\\disclosure\\\>*Variable universal life insurance are sold through NYLIFE Securities LLC (Member FINRA/SIPC), a Licensed Insurance Agency and a New York Life Company. \u003C/p>\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions. \u003C/p>\u003Cp class\\\disclosure\\\>SMRU #545777.1 exp. 02/17/25 \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\fc2vmk\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\h5rnrz\},how-to-get-the-most-out-of-your-extra-cash,{title:4087,seoTitle:4087,seoDescription:4087,blocks:4088,parentPageId:3966,handle:4089,id:3148,isPrivate:6,newFieldForParentId:3966},Preparing for retirement over the decades,{\id\:\j87v2n\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\bdzd2c\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\wty3rr\},\libraryBlockId\:\g5fxyy\},{\id\:\mq9xs7\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\h7r3y6\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>Preparing for retirement over the decades\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/Preparing-for-retirement-over-decades_desktop.jpg\,\alt\:\couple reviewing a document with an agent\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1325,\top\:0,\bgPosition\:\46% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:1974,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\tw7zzb\},\libraryBlockId\:\szx2kk\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\jvrnyb\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\gcmytf\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>There’s no one sure-fire way to ensure you’re prepared for retirement, and what a person perceives that they need in retirement will be based on many factors including lifestyle and health. While retirement may feel like it’s far away when you’re in your 30’s, the closer you get to 65, the clearer what your day-to-day retirement looks like in your mind should be. Hitting your 50’s and feeling like you’re not on track for the life you want in retirement can be scary but starting early can help alleviate some of those worries. \u003C/p>\u003Cp>With that said, there are helpful guidelines for how prepared you need to be for your retirement throughout your life, no matter how many years away you are from the big day. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\jbg4rp\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\m4zj4q\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\pcd4mn\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Preparing for Retirement: 30 years away \u003C/h4>\u003Cp>Retirement is probably the last thing  you’re thinking about when you’re in your 30’s, and that’s okay. At this stage it’s more common to be thinking about things like getting established in your career, or starting a family, or maybe buying your first home – the reality is retirement is a very long way away at this stage, but there are certain steps you can take in your 30’s to establish a financial foundation that will reap benefits further down the road. \u003C/p>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Start early.\u003C/strong> When you are young, good financial habits are the key to setting yourself up for retirement. And starting early is key. Simple habits like budgeting, monitoring expenses and saving what you can today will go a long way in future years. \u003C/p>\u003C/li>\u003C/ul>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\t2fbq6\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\j6v2t2\,\type\:\columns\,\variants\:{\layout\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\column-style\:null,\order\:null,\offset\:null,\vertical-alignment\:null,\horizontal-alignment\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\jsm2gv\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\vertical-alignment\:null,\alignment\:null,\sizing\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\src\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/image 2 (3).png\,\alt\:\Chart of accumulated return over 2 to 30 years totaling just under $125,000\,\crop\:null,\focal\:null},\image-link\:null,\width\:null,\height\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:1998,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\twtgbh\},{\id\:\rjv946\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\vertical-alignment\:null,\alignment\:null,\sizing\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\src\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/image 2 (1).png\,\alt\:\Chart of accumulated return over 1 to 19 years totaling over $45,000\,\crop\:null,\focal\:null},\image-link\:null,\width\:null,\height\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:1997,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\btftk9\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\column-count\:\2\,\libraryBlockId\:\v8h448\},{\id\:\dtn5xw\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\sgyxqn\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Cp>For illustrative purposes only; not indicative of any actual performance.    \u003C/p>\u003Cp>\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\http://www.helpfulcalculators.com/compound-interest-calculator\\\>\u003Cu>http://www.helpfulcalculators.com/compound-interest-calculator\u003C/u>\u003C/a> \u003C/p>\u003Cp> \u003C/p>\u003Cp>Saving just $100 per month can lead to nearly $122,000 in savings over 30 years, assuming you earn a hypothetical 7% per year of compounding interest. If you decide to wait and save the same amount for 20 years, your savings only grow to $52,000. That’s a big difference! \u003C/p>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Focus on your savings rate rather than the dollar amount\u003C/strong>.  The rule of thumb at this stage is to try to set aside at least 15% of your income for retirement. Many people have expenses at this stage of life that make saving that much impossible, and that’s okay too. As shown above, even putting aside $50-$100 a month can make a big impact over time. Talk to a financial professional to make sure you are making the best use of all of your options to include employer sponsored plans or Roth and traditional IRAs. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Know your options and diversify\u003C/strong>. At this stage, you can also explore a mix of financial options, including a blend that promises more long-term growth as well as some shorter term, and perhaps riskier, options. This is because you have more time to recover from any potential losses that could occur with investment in higher returning financial products.  \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Do you have coverage?\u003C/strong> If you have dependents, this is also a good time to review and make sure you have adequate life insurance coverage that reflects you and your family’s situation. If something were to happen, would your spouse, kids or parents be financially secure? \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Watch your expenses as well.\u003C/strong> At this stage of life, it’s normal to pay for things like a house, student loans, or your kids’ education. However, as your salary increases, try to be mindful of how your lifestyle changes as well. Instead of simply spending more because you’re making more, consider setting aside a portion of any raises you get for additional savings or paying off debt. If you get used to living within your means now, you’ll benefit throughout your life and into retirement. \u003C/p>\u003C/li>\u003C/ul>\,\libraryBlockId\:\gc4bzt\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\rk2kgc\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\m73h75\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Preparing for Retirement: 20 Years Away \u003C/h4>\u003Cp>Once you reach your 40’s, it’s a good idea to check in on your progress. Start thinking about what retirement looks like in your eyes. Ask yourself questions like where you want to live, do you plan on moving? Downsizing? Will you own your home entirely by the time you retire? What about travel, staying active, visiting your grandchildren? All of these decisions will impact how much income you will need when you retire. \u003C/p>\u003Cp>You may not have an exact dollar amount at this stage, but you should be starting to build a more solid sense of what your expenses are going to look like – at least the major ones. This is the stage where retirement might start to feel a little bit more like a reality, and that can be scary. Feeling like you don’t have enough time to save and prepare can cause a lot of anxiety at this time, especially if you have children or other dependents – but it’s important to remember that you still have time to try to get yourself on the right track.  \u003C/p>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Review and adjust. \u003C/strong>Are your current products and plans reflective of where you are in your life? Are they doing the most they can for you? Your income levels and financial needs may have changes since you first got your life insurance policy – you may have new dependents, or different dependents. This is a good time to review your policies and adjust where you need to. This is also a good time to review any contractual options in products like your term life insurance to see if you can convert to permanent coverage that provides long-term protection and can accumulate cash value used towards retirement if the needs decrease later in life (accessing cash value will reduce death benefit and available cash surrender value). \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Maximize your retirement plan. \u003C/strong>As you settle into your career and adult life, make sure you are getting the most out of your savings and investments. This is the time to really build your portfolio and explore opportunities to maximize your returns. Ensure that your retirement plan is doing the most that it can for you at this stage. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Consider extended care needs. \u003C/strong>You may not think about it when you’re still young and healthy, but long-term healthcare can become a significant expense in retirement. A 65-year-old couple retiring today is likely to spend an average of $315,000 on healthcare costs throughout their retirement.\u003Csup>1\u003C/sup>  \u003C/p>\u003C/li>\u003C/ul>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\s8wm3g\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\ckzhvq\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\vwkn9g\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-620x350.png\,\alt\:null,\crop\:null,\focal\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\520px\,\contentLibraryItems\:{\id\:2052,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false,\expirationDt\:null},\bodyText\:\\u003Ch4>Preparing for Retirement: 10 Years Away \u003C/h4>\u003Cp>Be clear on your life’s goals – when do you want to retire? What does your ideal retirement look like? What do you still want to do before you retire?  \u003C/p>\u003Cp>At this stage, retirement begins to feel real – very real if you feel like you’re behind on your goals. This is the time when the financial habits you picked up in your 30’s and 40’s will really start to show. If you’re not where you want to be at this stage, there’s time to get back on the right track, but not as much time as you might like. Adjustments at this stage can be made, but they need to be decisive in order to have a material impact on your retirement. \u003C/p>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Check in with your financial professional.\u003C/strong> If it’s been a while since you connected with your financial professional, now is the time. Go back through the goals you’ve made for retirement, and make sure they still represent what you want and that you are on track to reach them.  \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>You will also want to consider your long-term housing goals.\u003C/strong> Owning a home, or desiring to, can impact your ability to save for retirement. If you don’t own your home yet, consider how long it will take to pay off your mortgage - it’s not out of the question to still be paying off some of your mortgage in retirement, but if your home is an asset you own entirely in retirement, it can afford you a little more financial flexibility. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Review and adjust your budget for retirement.\u003C/strong> At this point, you need to have a good estimate of your retirement budget to include your housing expenses, healthcare costs, and lifestyle spending. Keep in mind that the cost of living fluctuates over time, and work with your financial professional to make sure you will be adequately covered throughout the duration of your retirement.  \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Dial back on the risk\u003C/strong>. This can be a good time to reconsider or at least reevaluate your investment allocations. Investing aggressively when you are younger often makes sense, but as you approach retirement, it may be a good idea to shift some of your savings into more stable options. A financial professional can be an asset in this regard. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Protecting your nest egg.\u003C/strong> Consider the role that your life insurance is playing. At this stage, the role of life insurance is to reposition assets that may be at risk of loss, whether it’s from taxes or down markets. Talk to your provider about how you can position your life insurance toward protecting what you have for your loved ones,. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Begin to set dates.\u003C/strong> Now is also a time to consider details like when you want, or can afford, to retire, when you want to start taking Social Security Benefits, and any catch-up contributions you may want to make to your IRAs or employee-sponsored retirement plans. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Work with an attorney.\u003C/strong> You may also want to check in on your estate at this stage, to ensure that your assets are distributed how you wish when the time comes.  \u003C/p>\u003C/li>\u003C/ul>\,\libraryBlockId\:\jc9mk4\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\h4x4jf\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\jp3ywx\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Preparing for Retirement: 5 Years Away \u003C/h4>\u003Cp>What was once a distant thought is now right on your doorstep. For some, the last few years before retirement are all about planning how you’re going to spend your time, what hobbies you might pick up, and how often you’ll get to see your grandchildren. For others, this can be an incredibly stressful time. Even if 65 is coming sooner than you’d like, there are still steps you can take in these last five years to make sure you’re as prepared as you can be when the day comes.\u003C/p>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Know what you have.\u003C/strong> Make sure you feel comfortable with the amount you have in savings. You need to be able to cover your expenses without running out of money too soon. As a rule, the total balance in your 401(k) and IRA accounts should be about 20-25 times your expenses. If you’re not at that level, consider how you can adjust your budget to allow for higher contributions to your retirement savings. You may also have to consider delaying retirement if you’re too far way from your targets. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Know your withdrawal rules.\u003C/strong> Its also very important that you understand the withdrawal rules for your retirement accounts, and to have a withdrawal strategy in place to ensure you’re withdrawing the right assets for the right purpose. You don’t want to pay penalties because you pulled money out early or didn’t know you had to take a required minimum distribution - if you’re not sure about this, contact your financial professional. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Understand your expenses in retirement.\u003C/strong> At this stage, you should have a more or less complete view of what your expenses are going to be in retirement, and how much you will need to cover those expenses for the remainder of your life. If you’re short of your target, you may have to make an adjustment to your spending, allocate more money to savings, or reconsider your retirement date. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>The role of life insurance.\u003C/strong> At this stage, life insurance can play a number of roles: it can be used as a way to leave tax-free lump sum to their loved ones or their estate. Life insurance can also be used to pay for estate taxes, or any debts that you have that remain after your death. What type of policy you have will also impact its role in your retirement – you may be able to surrender your cash-value life insurance policy, for example, you could be able to access that money, though there would be tax implications. \u003C/p>\u003C/li>\u003C/ul>\u003Cp>Unfortunately, at this stage the margins become finer and finer in terms of your level of preparedness for retirement. While no-one has a crystal ball, in the years immediately leading up to the big day, it’s important to have as complete and accurate a picture as possible of your finances - if you have any questions, doubts or uncertainties, contact your financial professional as soon as possible to ensure that you’re ready when the day comes. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\wd6dmg\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\smg79v\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\yc2tcz\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Readying for Retirement the Right Way \u003C/h4>\u003Cp>Retirement planning isn’t a cookie cutter exercise, but there are some general guidelines that can help steer you toward a comfortable retirement. Most people head into retirement not feeling prepared – financially or emotionally. Even if you are worried that you are not where you should be, there’s always time to make adjustments to redirect yourself. Whether retirement is still far off in the distance or coming up faster than you’d like, it’s never too early to start planning, or too late to do something about it.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\nb2gdv\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\bb2zfx\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\vpvhcj\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp class\\\disclosure\\\>\u003Csup>1\u003C/sup>\\\\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.plansponsor.com/health-care-retirement-will-cost-average-315000/\\\>Healthcare in Retirement Will Cost an Average of $315,000\u003C/a>,” Plansponsor, 16/05/2023\u003C/p>\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.? \u003C/p>\u003Cp class\\\disclosure\\\>SMRU #5457766.1 exp.??02/17/25 \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\ztgt6z\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\bn3869\},preparing-for-retirement-over-the-decades,{title:4091,seoTitle:4091,seoDescription:4091,blocks:4092,parentPageId:3966,handle:4093,id:457,isPrivate:6,newFieldForParentId:3966},Having a child this year? Heres how much it will cost to pay for your childs education,{\id\:\tmdfn3\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\z3yqkz\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\qb878g\},\libraryBlockId\:\bcfqby\},{\id\:\zgcjcn\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\jvdc4h\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>Having a child this year? Heres how much it will cost to pay for your childs education\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/Having-a-child-this-year-education_desktop.jpg\,\alt\:\family celebrating a young girls graduation\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1613,\top\:0,\bgPosition\:\56% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:1971,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\yngbbp\},\libraryBlockId\:\wwctj7\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\xv33sp\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\jg4nvy\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>If you just had a baby, or are planning for one, you may be more worried right now about how to pay for diapers and daycare rather than college. But while babies are expensive, those far-off college tuition payments are likely to be one of the biggest expenses you will face as a parent.  \u003C/p>\u003Cp>Those costs are likely to keep growing, too. Education expenses have outpaced inflation for the last 50 years. Since 1971, tuition, fees, room and board, and other costs for post-secondary education have soared by nearly five times the inflation rate.\u003Csup>1\u003C/sup> \u003C/p>\u003Cp>While it’s never been more expensive to put a child through college than it is today, you can get a head start on saving for college. This requires an understanding of how much you’re likely to need and starting a plan early, even if your baby won’t be a college freshman until the 2040s.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\xyw5vs\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\wqtdwg\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\rp4tdn\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>How has inflation historically affected tuition? \u003C/h4>\u003Cp>To understand how college costs have risen to this point, and how they’re likely to keep increasing, let’s look at how the cost to attend a university has changed from the 1980s to the early 2000s.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\qb53f7\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\bwp3qd\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\rc7dmd\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch5 style\\\text-align: center\\\>Annual Tuition and Fees for a Four-Year College Degree\u003Cstrong>\u003Csup>2 3\u003C/sup>\u003C/strong>\u003C/h5>\,\libraryBlockId\:\h5dyr9\},{\id\:\zr76vs\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\vertical-alignment\:null,\alignment\:null,\sizing\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\src\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/AR11527_072023 Table Build_2041Graduate_Desktop_Chart1@2x.png\,\alt\:\Annual tuition and fees for a four-year college degree\,\crop\:null,\focal\:null},\image-link\:null,\width\:null,\height\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:17127,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\tj8x84\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\mqb5nq\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\pwzpzc\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp> Over the following two decades, costs continued to soar. Between 2009-10 and 2019-20, the total cost of attendance (fees, tuition, room, and board) rose by 39.9% at public four-year schools and 44.2% at private four-year schools.\u003Csup>3\u003C/sup> Graduate School costs have also risen dramatically in recent years. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\yf4g3z\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\qf8m79\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\rzsdbg\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null,\invert-colors\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\bodyText\:\\u003Ch5 style\\\text-align: center\\\>Annual Tuition and Fees for Graduate School\u003Cstrong>\u003Csup>4\u003C/sup>\u003C/strong>\u003C/h5>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\block-name\:null,\hide-from-section\:null,\libraryBlockId\:\tbxc6t\},{\id\:\nm3vss\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\vertical-alignment\:null,\alignment\:null,\sizing\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\src\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/AR11527_072023 Table Build_2041Graduate_Desktop_Chart2@2x.png\,\alt\:\Annual tuition and fees for graduate school\,\crop\:null,\focal\:null},\image-link\:null,\width\:null,\height\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:17128,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\wfr77j\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\sm53p9\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\hfg7mt\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>Incomes also rose from 1980 to 2000, but not by as much as college costs. In 1980, the average family had household income of $21,020.\u003Csup>5\u003C/sup> By 2000, that number had roughly doubled to $42,148.\u003Csup>6\u003C/sup> While income rose by a factor of two, public school tuition and fees increased nearly tenfold, and private school costs more than quintupled. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\p6gwzg\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\bw3yc8\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\sszdf7\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Saving for college: What to expect in 2041 \u003C/h4>\u003Cp>College costs have ballooned over the last several decades, and there is no reason to believe that these increases will slow down any time soon - especially as the job market continues to adapt to the education levels of the general public. So how much will college cost in 18 years? \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\pndqph\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\brgq96\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\szfdb9\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5 style\\\text-align: center\\\>Projected Annual Tuition and Fees for a Four-Year Degree in 2041\u003Cstrong>\u003Csup>7\u003C/sup>\u003C/strong>\u003C/h5>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\pz369n\},{\id\:\hxw6h2\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\vertical-alignment\:null,\alignment\:null,\sizing\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\src\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/AR11527_072023 Table Build_2041Graduate_Desktop_Chart3@2x.png\,\alt\:\Tuition cost for 4 year university 2041\,\crop\:null,\focal\:null},\image-link\:null,\width\:null,\height\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:17695,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\zfdbps\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\ry933v\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\mvmdjs\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>Meanwhile, if average income keeps up with a 2.5% annual inflation rate, we can expect the average household, earning $78,813 in 2023, to bring in $122,921 in 2041.\u003Csup>8 \u003C/sup>While this may feel like a substantial increase, it’s no match for the rate that education expenses are growing. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\brx9vk\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\prstrx\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\rvd49n\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\column-count\:\2\,\blocks\:{\id\:\x4tytp\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\sizing\:\cover\},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-500x500.png\,\alt\:\placeholder\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\240px\,\libraryBlockId\:\b5hctd\},{\id\:\yzsv5r\,\type\:\rich-text\,\variants\:{\padding-top\:\pt-small\,\padding-bottom\:\pb-small\},\bodyText\:\\u003Ch5>Headline Lorem Ipsum Dolor Sit\u003C/h5>\u003Cp>Lörem ipsum oresebyrå dar tral huruvida eurodod emedan vulkanresa ede geonde kaning. Ost astrokament som kaffeflicka diacentrism sesat att makrore bykenat. Prelogi pogt delig kin nynesade hypora för pana, kuddbok. Köttklister el.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\tnd5m2\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>Preparing for the cost: Ways to save \u003C/h4>\u003Cp>A child’s education can cost hundreds of thousands of dollars, so it’s important to start planning for how those costs will be met as soon as possible. You can \u003Cu>plan\u003C/u> by considering these important questions. \u003C/p>\u003Ch5>Who is covering the costs?\u003Cstrong> \u003C/strong>\u003C/h5>\u003Cp>Will you, the parent, be responsible for 100% of your child’s college education expenses, or do you expect your children to contribute? Are there others, for instance grandparents, who may be helping you to meet these costs?  \u003C/p>\u003Cp>Considering this well in advance of when you’ll actually be asked to provide payments can go a long way to helping you budget accordingly. You’ll want to have a clear picture of the figure you’ll need to save for to prepare to borrow for college as the need arises.  \u003C/p>\u003Ch5>What savings plans should you use? \u003C/h5>\u003Cp>There are several tax-deferred college savings vehicles that may help you reach your goals. Each plan will have different features that may or may not work for you and your child, including impacts to their Free Application for Federal Student Aid (FAFSA). You should consult with a financial professional to determine the options that might be best for you and your family. \u003C/p>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>529 plans\u003C/strong> \u003Cbr>529 plans are tax-advantaged savings plans designed to help you save for your or your child’s education and related expenses by investing after-tax income. They can be used to cover education costs for K-12 education, post-secondary education, and apprenticeship programs. The tax-deferred status of these only applies if the funds are used for qualified education expenses.\u003Csup>9\u003C/sup> \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Coverdell Education Savings Accounts (ESAs) \u003C/strong>\u003Cbr>Coverdell ESAs provide the same tax-deferral benefits as 529 plans, but they are more flexible and can be used for a wider range of educational expenses including tuition, fees, and expenses for private elementary and secondary schools as well as college. \u003C/p>\u003C/li>\u003C/ul>\,\libraryBlockId\:\j8njdf\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\qs9cyd\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\cmjjp6\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null,\invert-colors\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\bodyText\:\\u003Ch4>Other strategies for saving for college \u003C/h4>\u003Cp>Some parents decide against saving for college through dedicated options like 529 plans or Coverdell accounts because they want to be able to use their assets for other expenses if necessary. If you want this kind of flexibility, you may wish to consider these strategies.  \u003C/p>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Savings bonds \u003C/strong>\u003Cbr>U.S. Treasury bonds generate tax-free income with low risk, making them an attractive alternative for families concerned about market volatility. They also provide a high degree of flexibility. If you don’t use them for college savings, you can redeploy them for other financial needs like retirement.  \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Taxable investment accounts \u003C/strong>\u003Cbr>You can invest for education costs through ordinary investment accounts, putting money into mutual funds, ETFs, or individual securities. You will have to pay current income taxes on any gains in these assets annually if the fund or ETF company reports them as well as for any realized gain when you sell them. \u003C/p>\u003C/li>\u003C/ul>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\block-name\:null,\hide-from-section\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\hz68yx\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\scdz24\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\column-count\:\2\,\blocks\:{\id\:\vpkr75\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\sizing\:\cover\},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-500x500.png\,\alt\:\placeholder\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\240px\,\libraryBlockId\:\mc4zpv\},{\id\:\tnmwzp\,\type\:\rich-text\,\variants\:{\padding-top\:\pt-small\,\padding-bottom\:\pb-small\},\bodyText\:\\u003Ch5>Headline Lorem Ipsum Dolor Sit\u003C/h5>\u003Cp>Lörem ipsum oresebyrå dar tral huruvida eurodod emedan vulkanresa ede geonde kaning. Ost astrokament som kaffeflicka diacentrism sesat att makrore bykenat. Prelogi pogt delig kin nynesade hypora för pana, kuddbok. Köttklister el.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\ts2ynz\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch5>Here is a quick overview of the pros and cons for each way to save for college: \u003C/h5>\,\libraryBlockId\:\n58qs6\},{\id\:\q4prr7\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\vertical-alignment\:null,\alignment\:null,\sizing\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\src\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/Table4_Pros and Cons Ways to save-desktop.jpg\,\alt\:\Chart listing pros & cons of 529 plans, Coverdell ESAs, Savings Bonds, Taxable investment accounts.\,\crop\:null,\focal\:null},\image-link\:null,\width\:null,\height\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:15534,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\z2s5hn\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\hrb2fj\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\pxjmn9\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\column-count\:\2\,\blocks\:{\id\:\hdzrr5\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\sizing\:\cover\},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-500x500.png\,\alt\:\placeholder\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\240px\,\libraryBlockId\:\s7gxq6\},{\id\:\vdzkdp\,\type\:\rich-text\,\variants\:{\padding-top\:\pt-small\,\padding-bottom\:\pb-small\},\bodyText\:\\u003Ch5>Headline Lorem Ipsum Dolor Sit\u003C/h5>\u003Cp>Lörem ipsum oresebyrå dar tral huruvida eurodod emedan vulkanresa ede geonde kaning. Ost astrokament som kaffeflicka diacentrism sesat att makrore bykenat. Prelogi pogt delig kin nynesade hypora för pana, kuddbok. Köttklister el.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\crbtcf\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>Supplementing college savings with life insurance \u003C/h4>\u003Cp>Relying on any one savings plan or vehicle for your child’s education can have drawbacks. As shown in the above table, traditional college savings plans can have some limitations, including: \u003C/p>\u003Cul>\u003Cli>\u003Cp>Vulnerability to market downturns and volatility. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Limitations on when, how and for what the funds can be used. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Additional taxes and penalties to withdraw funds for a purpose \u003Cem>other\u003C/em> than education expenses. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Vulnerability to life events like loss of income or unexpected death of the primary contributor.  \u003C/p>\u003C/li>\u003C/ul>\u003Cp>A whole life policy can potentially help some families fill some of those gaps when used as a supplement to other college savings plans, because it offers flexibility and security to your longer-term financial strategy.\u003Csup>10\u003C/sup> It can also act as a financial safety net for you and your family during your working years, in the event of a sudden or unexpected loss of income, such as a job loss, injury, or death. \u003C/p>\u003Ch5>How can whole life insurance be used to supplement college savings plans? \u003C/h5>\u003Cp>In addition to a death benefit, a whole life policy builds cash value as long as the policy stays in force.   \u003C/p>\u003Cp>Families can borrow against the accumulated cash value to pay for a major expense like funding your child’s college education – this is called a policy loan. You can access cash value via loans or withdrawals through surrenders. When accessing cash value via loans, the total outstanding loan balance (which includes accrued loan interest) reduces your policy’s available cash surrender value and life insurance benefit. The amount you borrow will accrue interest daily. When taking a withdrawal through surrenders, you are surrendering any available Paid-Up Additional Insurance for its Cash Surrender Value. This means that your Policy’s Cash Value, available Cash Surrender Value and Death Benefit will be reduced by the amount of the withdrawal. Certain tax advantages are no longer applicable to a life insurance policy if too much money is put into the policy during its first seven years, or during the seven-year period after a “material change” to the policy. If the cumulative premiums paid during the applicable 7-year period at any time exceed the limits imposed under the Internal Revenue Code the policy becomes a “Modified Endowment Contract” or MEC. A MEC is still a life insurance policy, and death benefits continue to be tax free, but any time you take a withdrawal from a MEC (including a policy loan), the withdrawal is treated as taxable income to the extent there is gain in the policy. In addition, if you are under 59 1/2, a penalty tax of 10% could be assessed on those amounts and upon surrender of the policy. \u003C/p>\u003Cp>The funds in your cash-value account can be used for any means once withdrawn, which makes them an option for introducing a level of flexibility into your overall financial picture. If you don’t use the funds, they will continue to grow, and if you only use a portion of the funds, the amount remaining in the account will also continue to grow for the duration of the policy, so long as you continue to pay your premiums. Whole life has the added benefit of not being affected by market fluctuations because whole life is \u003Cem>not\u003C/em> an investment account. \u003C/p>\u003Cp>In the unfortunate event that one of the parents passes away before their child goes to college, the guaranteed death benefit\u003Csup>11\u003C/sup> could also potentially be used in part to contribute to the child’s college education directly. It can also be used to cover other expenses a family may have that take precedence over college savings, meaning the impact on the surviving family member’s ability to contribute to their child’s college savings is diminished. \u003C/p>\u003Cp>Whether you use the cash-value account portion of your whole life policy to pay for your child’s education or not, it can add a valuable layer of security and stability to your family’s overall financial picture. Your insurance professional can help you and your family explore life insurance options that may work for you. \u003C/p>\,\libraryBlockId\:\xvmcqy\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\jcjw2h\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\ffqvj7\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null,\invert-colors\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\bodyText\:\\u003Ch4>The Key is starting early when saving for college \u003C/h4>\u003Cp>Post-secondary education is expensive and likely to become more so over time. Educational costs have outpaced inflation since the 1970s, and most experts expect this trend to continue. As a result, by the time your newborn is ready to head to college, a four-year education could cost as much $380,000.  \u003C/p>\u003Cp>Those are daunting numbers, but there’s no need to panic. The sooner you start planning for your child’s education, the more comfortably you will be able to afford it. You can also talk to a financial professional about education savings options that might work for you.  \u003C/p>\u003Cp>All investments involve risk, including loss of principal. Investments are offered through properly licensed Registered Representatives of NYLIFE Securities LLC (member FINRA/SIPC).  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\block-name\:null,\hide-from-section\:null,\libraryBlockId\:\v9y3wt\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\rbbsm4\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\q926pn\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null,\invert-colors\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\bodyText\:\\u003Cp>\u003Cstrong>A 529 plan investor should consider the program’s investment objectives, risks, charges, and expenses before investing. The program disclosure statement, available through your Registered Representative, contains more information, and should be read carefully before investing. Before investing, investors should consider whether their home states offer 529 plans that provide state tax and other benefits only available to state taxpayers investing in such plans. \u003C/strong>\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\block-name\:null,\hide-from-section\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\rmwq7z\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\m9ynkc\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null,\invert-colors\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\bodyText\:\\u003Cp class\\\disclosure\\\>\u003Csup>1\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://myelearningworld.com/cost-of-college-vs-inflation/\\\>The Cost of Going to College Has Risen at Nearly 5x the Rate of Inflation Over the Last 50 Years\u003C/a>,” My eLearning World, November 2, 2021.\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>2\u003C/sup> “\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://educationdata.org/average-cost-of-college-by-year#1980\\\>College Costs in the 1980s\u003C/a>,” Education Data Initiative, January 9, 2022.\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>3\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://educationdata.org/average-cost-of-college-by-year#2000\\\>Average Cost of College in the 21\u003Csup>st\u003C/sup> Century\u003C/a>,” Education Data Initiative, January 9, 2022.\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>4\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://nces.ed.gov/programs/digest/d21/tables/dt21_330.50.asp\\\>Average and percentiles of graduate tuition and required fees in degree-granting postsecondary institutions, by control of institution: 1989-90 through 2019-20\u003C/a>,” National Center for Education Statistics, 2021.\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>5\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.census.gov/library/publications/1982/demo/p60-132.html#:~:textThe%201980%20median%20family%20income,in%20real%20median%20family%20income\\\>Money Income of Households, Families, and Persons in the United States: 1980\u003C/a>,” U.S. Census Bureau, July 1982.\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>6\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.census.gov/library/publications/2001/demo/p60-213.html#:~:textMedian%20household%20income%20in%20the,of%20%2433%2C447%20and%20%2430%2C439%2C%20respectively\\\>Money Income in the United States: 2000\u003C/a>,” U.S. Census Bureau, September 1, 2001.\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>7\u003C/sup>\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.mefa.org/pay/college-cost-projector\\\>College Cost Projector\u003C/a>, Massachusetts Educational Financing Authority, retrieved February 7, 2023\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>8\u003C/sup>\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://smartasset.com/investing/inflation-calculator#anQ7NDA0TB\\\>Inflation Calculator\u003C/a>, SmartAsset, retrieved January 31, 2023.\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>9\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.usnews.com/education/best-colleges/paying-for-college/slideshows/10-things-you-can-buy-with-529-savings-plan-distributions\\\>Qualified Expenses you can Pay for with a 529 Plan\u003C/a>,” U.S. News and World Report, September 9, 2021. Unqualified withdrawals will be subject to ordinary income tax and IRS penalty. \u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>10\u003C/sup>A whole life policy must be applied for and involves insurance fees and charges, while a 529 plan does not. However, a 529 plan involves investment fees and charges. A whole life policy involves the risk of lapse, in which case the insured would lose the insurance benefit.\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>11\u003C/sup>All guarantees are based on the claims-paying ability of the issuer.\u003C/p>\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.?? \u003C/p>\u003Cp class\\\disclosure\\\>SMRU #5457754.1 exp. 3/13/25 \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\block-name\:null,\hide-from-section\:null,\libraryBlockId\:\c36td2\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\zhnr4d\},child-education-cost,{title:4066,seoTitle:4066,seoDescription:4066,blocks:4067,parentPageId:3966,handle:4068,id:651,isPrivate:6,newFieldForParentId:3966},{title:4096,seoTitle:4096,seoDescription:4096,blocks:4097,parentPageId:3966,handle:4098,id:3149,isPrivate:6,newFieldForParentId:3966},Starting a family the total cost of a baby in 1983 versus today ,{\id\:\xtjp79\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\ky2d3s\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\vsccxs\},\libraryBlockId\:\brmddp\},{\id\:\sm66wf\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\y382bx\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>Starting a family: the total cost of a baby in 1983 versus today \u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/Starting-a-family-total-cost_desktop.jpg\,\alt\:\expecting parents standing in front of their home\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1346,\top\:0,\bgPosition\:\47% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:1976,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\qhr8ts\},\libraryBlockId\:\svt33z\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\xmdhww\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\x54567\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>It’s hard to get a grip on all the costs associated with having a child. Some of them are direct expenses, like the baby food you buy for an infant or the fees for summer camp. Others, such as the cost of a larger house in a better school district, are a bit less obvious but are just as real. As your parents may have reminded you on more than one occasion, they spent a lot of money to raise you, but just how much has the cost of starting a family changed since you were in diapers? \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\rwpxd9\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\t96nws\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\vtvmn3\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Having a baby in 1983 versus 2023: the total cost \u003C/h4>\u003Cp>It’s more than fair to say that the cost of raising a child has skyrocketed over the years. In 1983, it cost only \u003Ca target\\\\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.nytimes.com/1983/05/27/style/bringing-up-a-child-now-costs-80000.html\\\>about $81,000\u003C/a> to raise a child from birth to age 17. At the same time, the median household earned \u003Ca target\\\\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.census.gov/library/publications/1985/demo/p60-146.html#:~:textIn%201983%2C%20median%20family%20income,percent%20increase%20in%20consumer%20prices.\\\>$24,580\u003C/a>, or 3.3 times the total cost of raising a child.\u003Cbr>\u003Cbr>In 2023, and following some of the worst inflation in 40 years, the cost of raising a child has soared to $310,605 in that same 0-17 year period.\u003Csup>1\u003C/sup> Families also earn more in 2023 than in 1983. While the current median household income is $70,784, it is not enough to cover the increased cost. It cost 4.4 times the median household income to raise a child born in 2021, a much bigger chunk of the family budget.\u003Csup>2\u003C/sup>\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\xdbhcx\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\f593q6\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\xnc24d\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>Major expenses for your minor\u003C/h4>\u003Cp>Having a child can be one of life’s most profound and meaningful experiences, yet it’s also an enormous financial commitment, and a far larger one than it was for your parents. The cost of raising a child may even surprise you if you don’t put enough thoughts into the process. As you consider starting a family, you can prepare yourself by learning about the costs that stretch from your first trip home from the hospital to the day your child packs up for college.\u003C/p>\u003Cp>Here are some of the expenses you can expect when you’re no longer expecting:\u003C/p>\u003Ch5>1. Baby supplies\u003C/h5>\u003Cp>Prenatal care, childbirth and postpartum care cost an average of $18,865 in the United States.\u003Csup>3\u003C/sup> Though insurance may cover a large part of those expenses, the average out-of-pocket expenses are around $2,850. New parents pay \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.parents.com/parenting/money/saving/save-money-and-build-a-diaper-stockpile/#:~:textAssuming%20your%20baby%20uses%202%2C500,wipes%20and%20a%20changing%20table.\\\>$500 to $900\u003C/a> for a year’s supply of diapers. Formula costs up to $1,500 in the first year.\u003Csup>4\u003C/sup> One-time expenses like cribs, car seats, strollers, and playpens can add up to thousands of dollars. \u003C/p>\u003Ch5>2. Food\u003C/h5>\u003Cp>You’ll spend more on groceries with a growing family, from $900 to $1,900 per year more, or roughly 18% of the family income.\u003Csup>5\u003C/sup> Inflation has pushed food prices up for everyone, especially families with teenagers who eat more than any other age group.\u003C/p>\u003Ch5>3. Clothing\u003C/h5>\u003Cp>Kids grow fast, and the shoes, pants, coats and shirts that you purchased just a few months ago may no longer fit. Experts estimate that parents spend about 6% of income on clothing for their children, or around \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.washingtonpost.com/business/interactive/2022/cost-raising-child-calculator/\\\>$1,000 per year\u003C/a>.  \u003C/p>\u003Ch5>4. Childcare & education\u003C/h5>\u003Cp>The cost of daycare has risen sharply in recent years and now tops \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.cnbc.com/2022/02/21/average-cost-of-child-care-is-now-more-than-10000-dollars-per-year.html\\\>$10,000 a year\u003C/a> on average. Private school now costs an average of over \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.privateschoolreview.com/tuition-stats/private-school-cost-by-state\\\>$12,000 per year\u003C/a> nationally, though costs can go much higher for top schools and institutions in expensive locations. Planning to save money by sending your kids to public schools? You’ll be spending an average of \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.cnbc.com/2022/08/03/how-to-save-on-back-to-school-supplies-amid-inflation.html\\\>$864 per year\u003C/a> just on supplies.\u003C/p>\u003Cp>Most child-rearing cost estimates don’t include one of the biggest expenses of all: sending your children to college. Average annual tuition and fees range from just under $40,000 at private schools to slightly more than $10,000 at public in-state institutions.\u003Csup>6\u003C/sup> Room, board, books, and travel can push these totals tens of thousands of dollars higher, and these costs have consistently outpaced inflation. Building college savings into your budget early on can increase your childrens’ options for higher education.    \u003C/p>\u003Ch5>5. Other considerations\u003C/h5>\u003Cp>As your family grows, you may need a larger apartment or house. You may want to move into an area with better schools. You may even require a bigger vehicle to fit car seats and eventually take your kids to soccer matches and cheer competitions. All of these improvements can add up to additional expenses on your overall budget.\u003C/p>\u003Cp>In addition to the basics, you’ll want to set aside part of your budget for extras like family vacations, movie nights, and trips to local attractions. As your kids develop passions, you may need to spend money on lessons, teams, equipment, and travel to competitions. \u003C/p>\,\libraryBlockId\:\nkkb9k\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\c7bd3b\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\g4fcsf\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Planning ahead can ease the financial strain\u003C/h4>\u003Cp>Nearly everything about raising a child costs more than it did back in 1983, both in absolute terms and as a percentage of household income. Yet one thing hasn’t changed at all: the way that children change our lives in profound and meaningful ways. Understanding the costs, and having a strategy on how you’ll meet them, can be just as important as picking out the right crib or painting the nursery. It’s critically important to have a clear picture of the financial implications of having a child (or more children) before you make that decision.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\pg7n55\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\hg94wv\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\wxtw4v\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp class\\\disclosure\\\>\u003Csup>1\u003C/sup> “\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.brookings.edu/blog/up-front/2022/08/30/its-getting-more-expensive-to-raise-children-and-government-isnt-doing-much-to-help/\\\>It’s Getting More Expensive to Raise Children. And the Government Isn’t Doing Much to Help\u003C/a>,” Brookings, 30/08/2023\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>2\u003C/sup> “\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.census.gov/library/publications/2022/demo/p60-276.html\\\>Income in the United States: 2021\u003C/a>,” United States Census Bureau, 13/09/2023 \u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>3\u003C/sup> “\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.kff.org/health-costs/issue-brief/health-costs-associated-with-pregnancy-childbirth-and-postpartum-care/\\\>Health Costs Associated with Pregnancy, Childbirth, and Postpartum Care\u003C/a>,” Kaiser Family Foundation, 13/07/2022\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>4\u003C/sup> “\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.becu.org/blog/new-baby-budget-costs-for-the-first-year#:~:textFeeding%20a%20baby%20takes%20up,%241%2C500%20in%20the%20first%20year.\\\>New Baby Budget: Costs for the First Year\u003C/a>,” BECU, 09/09/2023\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>5\u003C/sup> “\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.washingtonpost.com/business/interactive/2022/cost-raising-child-calculator/\\\>What Does it Cost to Raise a Child?\u003C/a>,” The Washington Post, 13/10/2023\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>6\u003C/sup> “\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.usnews.com/education/best-colleges/paying-for-college/articles/paying-for-college-infographic\\\>See the Average College Tuition in 2022-23\u003C/a>,” U.S. News and World Report, 12/09/2023\u003C/p>\u003Cp class\\\disclosure\\\> \u003C/p>\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.\u003C/p>\u003Cp class\\\disclosure\\\>\u003Cbr>SMRU # 5451806.1 exp. 02/10/25\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\b7xndj\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\p4t2kx\},starting-a-family-the-total-cost-of-a-baby,{title:4070,seoTitle:4070,seoDescription:4070,blocks:4071,parentPageId:3966,handle:4072,id:3150,isPrivate:6,newFieldForParentId:3966},{title:4101,seoTitle:4101,seoDescription:4101,blocks:4102,parentPageId:3966,handle:4103,id:3151,isPrivate:6,newFieldForParentId:3966},4 ways to cut your tax bill in retirement,{\id\:\jb3sgn\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\gj3x88\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\s9tp4q\},\libraryBlockId\:\svmjzk\},{\id\:\zk3bg4\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\fv5hgk\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>4 ways to cut your tax bill in retirement\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/4-Ways-to-cut-your-tax-bill-retirement_desktop.jpg\,\alt\:\grandfather greeting his granddaughter and daughter\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1314,\top\:0,\bgPosition\:\46% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:2706,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\nx5jbh\},\libraryBlockId\:\zm6tbw\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\qy4bt8\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\ms66wx\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>Entering retirement can require a series of adjustments from how you spend your time to how you allocate your income. Retirement also has a direct effect on your taxes, providing access to valuable tax benefits you may not realize. Here are four lesser-known tax breaks you could be eligible for if you are planning to retire in 2023.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\t2s352\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\shgf29\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\z6jfp4\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>1. Higher standard deductions and income thresholds \u003C/h4>\u003Cp>More income may be exempt from taxes during retirement due to higher standard deductions and income thresholds.  \u003C/p>\u003Cp>In 2023, taxpayers aged 65 and over can take an extra $1,500 standard deduction ($3,000 for married couples filing jointly). That is in addition to the regular standard deduction of $13,850 for single filers and $27,700 for married couples.   \u003C/p>\u003Cp>This extra deduction does not apply if you itemize. If you or your spouse recently turned 65, you may want to calculate your taxes using both itemized and standard deduction formulas to determine which is more favorable. Many retirees find it no longer makes sense to itemize in light of the added deduction.  \u003C/p>\u003Cp>In addition to a larger standard deduction, higher income thresholds mean that some taxpayers over 65 do not have to file returns. Single taxpayers under 65 must file if they make at least $12,950 in 2022, but if they are 65 or over by the end of 2023, the amount increases to $14,700.   \u003C/p>\u003Cp>Married taxpayers where one spouse is over 65 do not have to file unless their income exceeds $23,700 (versus $25,900 for under 65 couples). If both are over 65, the threshold increases to $28,700.\u003Csup>1\u003C/sup>  \u003C/p>\u003Cp>Bear in mind you may have to pay federal income taxes (and in some cases, state and local taxes) on your Social Security income if you have other substantial income sources. Here’s how your other income impacts Federal taxes on your Social Security income.\u003Csup>2\u003C/sup>: \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\m5nw4t\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\p347zj\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\ywnwzm\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\vertical-alignment\:null,\alignment\:null,\sizing\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\src\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/AR11527_072023 Table Build_FourWays_taxes_Desktop_Chart1@2x.png\,\alt\:\Social security income table\,\crop\:null,\focal\:null},\image-link\:null,\width\:null,\height\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:17697,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\jvdf2t\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\kp5m8r\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\rjvh5v\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Cp>In the below example, a married individual receives $20,000 in social security benefits, and their spouse earns $50,000/year. \u003C/p>\,\libraryBlockId\:\q2m3k2\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\kjvkry\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\sdbw6z\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\vertical-alignment\:null,\alignment\:null,\sizing\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\src\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/AR11527_072023 Table Build_FourWays_taxes_Desktop_Chart2@2x.png\,\alt\:\Social security income taxes table\,\crop\:null,\focal\:null},\image-link\:null,\width\:null,\height\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:17698,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\pkgbzx\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\g4zw3m\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\nzd6tj\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>The good news is, you do not have to pay FICA taxes on social security income.  \u003C/p>\u003Cp>You can pay these obligations with quarterly estimated tax payments or have a portion of your social security income withheld to meet them.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\wqx3z7\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\cdh9h7\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\xhpbjx\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-620x350.png\,\alt\:null,\crop\:null,\focal\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\520px\,\contentLibraryItems\:{\id\:2052,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false,\expirationDt\:null},\bodyText\:\\u003Ch4>2. Deducting medical expenses \u003C/h4>\u003Cp> People often pay more for expenses like doctor visits, prescription drugs, tests and in-home care as they age, but some of these costs could lower your tax bill.  \u003C/p>\u003Cp>If your medical costs exceed 7.5% of your adjusted gross income, you can deduct them on your tax return as an itemized deduction.  \u003C/p>\u003Cp>Note that these expenses (combined with your other itemized deductions for state and local taxes, mortgage interest, and charitable gifts) would have to be larger than the standard deduction to make sense.  \u003C/p>\u003Cp>There are also some limits on the healthcare costs eligible for deduction. Personal expenses, such as vitamins or health club dues, generally do not count. However, you can deduct almost any payment to a medical professional including doctors, dentists, nurse practitioners, and therapists. Other qualifying expenses include:  \u003C/p>\u003Cul>\u003Cli>\u003Cp>Prescription drugs \u003C/p>\u003C/li>\u003Cli>\u003Cp>Mental health expenses \u003C/p>\u003C/li>\u003Cli>\u003Cp>Medical devices including glasses, dentures, and orthodontic appliances \u003C/p>\u003C/li>\u003Cli>\u003Cp>Costs incurred while seeking medical treatment like parking fees at your doctor’s office \u003C/p>\u003C/li>\u003Cli>\u003Cp>Health insurance premiums \u003C/p>\u003C/li>\u003Cli>\u003Cp>Senior care costs such as in-home help or adult day services\u003Csup>3\u003C/sup>  \u003C/p>\u003C/li>\u003C/ul>\,\libraryBlockId\:\gvrnxy\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\zmqhd8\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\vyxgqw\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>3. Tax savings for retirement planning  \u003C/h4>\u003Cp>In general, you can’t make tax-deferred contributions to retirement plans unless you have taxable income. However, you can still continue to save after you retire. For example, if your spouse continues to work, they can make contributions to savings plans. If you work part time or start a business that generates income, you can deduct contributions to IRAs, SEP-IRAs, SIMPLE 401(k)s, and other small business retirement plans from your earnings.  \u003C/p>\u003Cp>If your income is moderate after retirement and you continue to contribute to tax-deferred savings plans, you may be eligible for another tax-saving benefit:  the Retirement Saver Credit. This program provides a tax credit that offsets up to half of your retirement plan contributions if you meet certain income limits. \u003C/p>\u003Cp>For 2023, these limits are as follows: \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\rrmc3c\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\ch4vbf\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\vqzmqb\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\vertical-alignment\:null,\alignment\:null,\sizing\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\src\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/AR11527_072023 Table Build_FourWays_taxes_Desktop_Chart3@2x.png\,\alt\:\Credit Rate and taxable income table\,\crop\:null,\focal\:null},\image-link\:null,\width\:null,\height\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:17699,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\z4vgwz\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\bv5n8c\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\snkkpw\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>*Single, married filing separately, or qualifying widow(er) \u003C/p>\u003Cp>Source: “Retirement Savings Contributions Credit (Saver’s Credit)”\u003Cstrong> \u003C/strong>\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\http://IRS.gov\\\>IRS.gov\u003C/a>, Retrieved February 20, 2023. \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-savings-contributions-savers-credit\\\>\u003Cu>https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-savings-contributions-savers-credit\u003C/u>\u003C/a>  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\kyghz9\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\bv38n3\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\wzrmh2\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>4. Small business credits \u003C/h4>\u003Cp> Many retirees continue to work in some fashion, either as consultants offering skills developed over a lifetime or in small businesses reflecting their passions. Of course, they have to pay taxes on their earned income but only after deducting a wide array of business expenses including: \u003C/p>\u003Cul>\u003Cli>\u003Cp> Supplies including everything from paper to stamps to raw materials \u003C/p>\u003C/li>\u003Cli>\u003Cp>Marketing and advertising expenses such as the cost of maintaining a website, printing business cards, or going to industry events and conferences \u003C/p>\u003C/li>\u003Cli>\u003Cp>Travel to meet with clients and prospects \u003C/p>\u003C/li>\u003Cli>\u003Cp>Home office expenses including a portion of home maintenance and utility costs \u003C/p>\u003C/li>\u003Cli>\u003Cp>Business education and professional development  \u003C/p>\u003C/li>\u003Cli>\u003Cp>Employee wages and payments to independent contractors  \u003C/p>\u003C/li>\u003Cli>\u003Cp>Legal and accounting fees\u003Csup>4\u003C/sup> \u003C/p>\u003C/li>\u003C/ul>\u003Cp>The rules about deducting business expenses can be tricky, so be sure to consult your tax professional if you have questions.  \u003C/p>\u003Cp>Also, many states have different tax laws and credits available to retirees. For an overview of what your state offers, visit your local tax authority’s website or check out this \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\Hyperlink SCXW259703480 BCX0\\\ href\\\https://www.kiplinger.com/retirement/602202/taxes-in-retirement-how-all-50-states-tax-retirees\\\>\u003Cu>50-state guide to retiree tax laws\u003C/u>\u003C/a>.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\wkxvqf\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\ghksj6\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\p7fq3x\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Make the most of your retirement income with sound tax planning\u003C/h4>\u003Cp>Retirement brings with it a lot of changes including lifestyle, income, and taxes. Make sure you take proper advantage of the tax rules that apply to you once you retire or turn 65 and get the best value out of your income for the long run. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\mgcpt8\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\qbv8vc\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\y4bffq\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\column-count\:\2\,\blocks\:{\id\:\dyss3p\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\sizing\:\cover\},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-500x500.png\,\alt\:\placeholder\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\240px\,\libraryBlockId\:\cxgg26\},{\id\:\q3wnz2\,\type\:\rich-text\,\variants\:{\padding-top\:\pt-small\,\padding-bottom\:\pb-small\},\bodyText\:\\u003Ch5>Headline Lorem Ipsum Dolor Sit\u003C/h5>\u003Cp>Lörem ipsum oresebyrå dar tral huruvida eurodod emedan vulkanresa ede geonde kaning. Ost astrokament som kaffeflicka diacentrism sesat att makrore bykenat. Prelogi pogt delig kin nynesade hypora för pana, kuddbok. Köttklister el.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\xqn9s4\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Cp class\\\disclosure\\\>\u003Csup>1\u003C/sup>“Dependents, Standard Deduction, and Filing Information,” IRS.gov, December 9, 2022. \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.irs.gov/pub/irs-pdf/p501.pdf\\\>https://www.irs.gov/pub/irs-pdf/p501.pdf\u003C/a>\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>2\u003C/sup>“Income Taxes And Your Social Security Benefit,” SSA.gov, Retrieved February 20, 2023. \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.ssa.gov/benefits/retirement/planner/taxes.html\\\>https://www.ssa.gov/benefits/retirement/planner/taxes.html\u003C/a>\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>3\u003C/sup>“Medical and Dental Expenses,” IRS.gov, Retrieved February 20, 2023. \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.irs.gov/taxtopics/tc502\\\>https://www.irs.gov/taxtopics/tc502\u003C/a>\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>4\u003C/sup>“Business Expenses 2022,\\\ IRS.gov, Retrieved February 20, 2023. \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.irs.gov/publications/p535\\\>https://www.irs.gov/publications/p535\u003C/a>\u003C/p>\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.? ? \u003C/p>\u003Cp class\\\disclosure\\\>SMRU #5500507.1 exp. 3/15/2025\u003C/p>\,\libraryBlockId\:\kp938h\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\tf4ydk\},4-ways-to-cut-your-tax-bill-in-retirement,{title:4105,seoTitle:4105,seoDescription:4105,blocks:4106,parentPageId:3966,handle:4107,id:3152,isPrivate:6,newFieldForParentId:3966},5 things that trigger your tax planning going from online-only to a tax professional,{\id\:\cfqbpb\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\hc4m23\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\y89b77\},\libraryBlockId\:\c7ztyb\},{\id\:\p6znm2\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\wp4s6z\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>5 things that trigger your tax planning going from online-only to a tax professional\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/5-Things-that-trigger-using-tax-professional_desktop.jpg\,\alt\:\couple reviewing information with a tax professional on a laptop\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1602,\top\:0,\bgPosition\:\56% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:2708,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\m9rfyb\},\libraryBlockId\:\wmqj2k\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\cdswc8\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\cpbpbz\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>Nearly half of Americans use tax software to file their taxes.\u003Csup>1\u003C/sup> For most people, especially those with a single income source, filing taxes through an online platform without the help of a tax pro is just fine. \u003C/p>\u003Cp>However, life events like getting married or divorced, having a child, starting a business or side hustle, receiving an inheritance, or approaching retirement can take online filing from simple to strenuous. While online tax prep platforms can be helpful, they can’t always provide the personalized support and guidance a professional can offer when taxes get tough. This might lead you to ask: \u003C/p>\u003Cp>\u003Cem>Do I need an accountant, or do I need a CPA? \u003C/em> \u003C/p>\u003Cp>\u003Cem>Can I do this on my own, or do I need help filing my taxes?\u003C/em> \u003C/p>\u003Cp>\u003Cem>Should I stop doing my own taxes?\u003C/em> \u003C/p>\u003Cp>While the experience is different for each individual (or couple) filing taxes, a number of common triggers can help identify when it might be more advantageous to hire a tax professional\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\s494m6\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\ywqnqw\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\vrpg9q\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>1. Changing family situation  \u003C/h5>\u003Cp>Updates to your family circumstances can significantly impact your taxes. For example, getting married can move you into a different tax bracket, so your income may no longer be taxed at the same rate as when you were single. While online tools can process your taxes with general ease, you might not know whether filing jointly or separately makes more sense for you. A tax professional can evaluate your finances and provide advice on what might work best for you and your partner.  \u003C/p>\u003Cp>On the other hand, if youre going through a divorce, a tax professional can help you navigate the tax complexities of dividing assets and how alimony can affect your taxable income. \u003C/p>\u003Cp>\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\Hyperlink SCXW80247030 BCX0\\\ href\\\https://www.newyorklife.com/prepare-for-life/growing-your-family\\\>\u003Cu>Having a child\u003C/u>\u003C/a> can result in new tax credits and benefits while bringing about new tax considerations like education savings  strategies which, depending on what state you live in can lead to big tax savings opportunities. There are also deductions and credits foster and adoptive parents should know about. A tax professional can assist evolving families navigate taxation complexities and also help them get the maximum they are entitled to.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\pg8szv\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\vyc7dg\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\hghsyq\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch5>2. Receiving an inheritance \u003C/h5>\u003Cp>Between 30% and 40% of households eventually receive an inheritance.\u003Csup>2\u003C/sup> An inheritance can include property, valuables, money or other assets, such as \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\Hyperlink SCXW105798127 BCX0\\\ href\\\https://www.newyorklife.com/products/life-insurance\\\>\u003Cu>life insurance policies\u003C/u>\u003C/a> or retirement accounts.  \u003C/p>\u003Cp>Inheritances can have varying tax implications depending on their type, often leading people to wonder whether they need an accountant or tax professional to help. And with good reason. Inheriting a property can result in capital gains tax and expenses like property tax or maintenance fees. Inheriting valuables or other assets can also result in capital gains tax, while receiving money as an inheritance can result in income tax or estate tax implications.  \u003C/p>\u003Cp>If you receive an inheritance, consulting with a tax professional can help ensure your new assets are correctly accounted for in your tax return. \u003C/p>\,\libraryBlockId\:\g4jbtb\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\c36yvt\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\pkrbn4\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>3. Changing or adding an income source \u003C/h5>\u003Cp>Alterations to your income sources can complicate filing your taxes. Whether you receive a raise at work or on a second job, you might find yourself in a higher tax bracket, increasing your tax liability.  \u003C/p>\u003Cp>Freelance professionals are also responsible for self-employment taxes. A tax professional can help you report income and deductions correctly as well as determine if you need to make quarterly estimated tax payments to avoid penalties. \u003C/p>\u003Cp>Rental properties are another alternative income source that needs to be accounted for properly when it comes to doing your taxes. The average American host made over $44,000 in host earnings on Airbnb in 2021, showing that this could significantly increase your income.\u003Csup>3\u003C/sup> However, if you occasionally stay at the property, you may be unable to deduct rental expenses from your rental income. If you need help filing taxes with rental properties, a tax professional can be a great resource. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\vf48t9\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\cwgf4n\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\jw296y\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-620x350.png\,\alt\:null,\crop\:null,\focal\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\520px\,\contentLibraryItems\:{\id\:2052,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false,\expirationDt\:null},\bodyText\:\\u003Ch5>4. Nearing retirement \u003Cstrong> \u003C/strong>\u003C/h5>\u003Cp>As retirement approaches, you will need to make decisions about retirement savings plans such as IRAs and 401(k)s. Each plan has different tax treatments impacting your tax liability. A tax professional can guide you through the process of evaluating your retirement savings plan and recommend a withdrawal strategy that offers the best tax benefits.  \u003C/p>\u003Cp>Working with a tax professional can also provide access to timely advice regarding available tax benefits and breaks. These can include increased standard deductions, different filing thresholds, Social Security tax exemptions, and elderly or disabled tax credits. They will also be aware of any state tax benefits offered to seniors based on age thresholds.  \u003C/p>\,\libraryBlockId\:\yjwgdf\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\zq3qmk\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\xqztqk\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Bonus tip: How a tax professional can help your new business \u003C/h4>\u003Cp>Starting a business is exciting but also comes with additional tax responsibilities. A variety of deductions and credits are available to business owners that aren’t common knowledge and filing a tax return for a business is quite different from filing a personal return. \u003C/p>\u003Cp>This is where a tax professional can be invaluable. They can help identify all your eligible deductions, allowing you to minimize your tax burden and maximize your profits. They can also help you keep track of important tax deadlines. \u003C/p>\u003Cp>Don’t wait until it is too late to ask whether you need help for your small business. Make meeting with a tax professional a priority to ensure you meet corporate tax obligations without skipping over potential tax benefits. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\jtbdk2\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\xq4f6b\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\mwp9bh\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Even the best DIY tax preppers need help sometimes \u003C/h4>\u003Cp>When complicated family situations or significant changes in your income or assets leave you thinking “\u003Cem>I need help with my taxes\u003C/em>,” a tax professional can provide valuable guidance and peace of mind. Online tools and software programs might address the basics, but you could also overlook a number of different aspects in the process.  \u003C/p>\u003Cp>Why do you need an accountant? One of the most important reasons to keep in mind is that by working with one, you can save money in the long run by avoiding costly mistakes. They’ll be able to advise you regarding rules and regulations you might overlook or be unaware of when going it on your own. This is especially true as life takes turns and your circumstances, and your taxable situation, change with time.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\ygg65y\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\yk57ht\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\yjmgn2\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp class\\\disclosure\\\>\u003Csup>1\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://thecollegeinvestor.com/35771/file-taxes-survey-2021/#:~:text46%25%20of%20Americans%20surveyed%20used,TurboTax)%20to%20file%20their%20taxes\\\>How Much Americans Pay to File Their Taxes\u003C/a>,” The College Investor, Sept 18, 2022\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>2\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.bls.gov/osmr/research-papers/2011/pdf/ec110030.pdf\\\>Inheritances or the Distribution of Wealth\u003C/a>,” Bureau of Labor Statistics, January 2011\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>3\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.alltherooms.com/\\\>Average Host Revenue By Country\u003C/a>,” AllTheRooms, Accessed March 27, 2022\u003C/p>\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.? \u003C/p>\u003Cp class\\\disclosure\\\>?SMRU #5500492.1 exp. 3/15/2025 \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\fkdkwk\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\p3bgrk\},5-reasons-to-see-a-tax-professional,{title:4109,seoTitle:4109,seoDescription:4109,blocks:4110,parentPageId:3966,handle:4111,id:3153,isPrivate:6,newFieldForParentId:3966},Simple ways for small businesses to provide financial wellness programs for their employees,{\id\:\whysh4\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\dfxmgr\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\mphh5d\},\libraryBlockId\:\p9y5x3\},{\id\:\mtvdbt\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\t6gf3q\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>Simple ways for small businesses to provide financial wellness programs for their employees\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/Simple-ways-small-businesses-financial-wellness_desktop.jpg\,\alt\:\small business owner in her shop on the phone looking at a laptop\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1390,\top\:0,\bgPosition\:\48% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:2711,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\t448hr\},\libraryBlockId\:\r3g3vq\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\y3jgtt\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\dm6tz4\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>Owning a small business can be an incredibly rewarding experience, creating a sense of independence and accomplishment. Business owners get to decide how to operate, who to hire, and what kind of culture to establish, and how, as a small business owner, you can take care of your employees and set them up for both work and personal success.\u003C/p>\u003Cp>Offering a financial wellness program is one way to give employees valuable skills and knowledge to help them manage their finances more effectively.\u003C/p>\u003Cp>These programs do not have to be expensive. In fact, many of the best tools are free. Worrying about finances can mean your employees aren’t able to bring their best selves to work.  Employees also genuinely value these resources, and they can be a great way to build loyalty, team spirit, and a sense of common purpose. Here are some of the most popular topics a small business’s financial wellness program could include.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\r8mt2d\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\g32wcw\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\pyxrk4\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Building basic financial literacy\u003C/h4>\u003Cp>When considering financial literacy, what you don’t know can cost you. In fact, one survey from the National Financial Educators Council found that 38% of people lost at least $500 in 2022 because they did not understand basic financial concepts.\u003Csup>1\u003C/sup>\u003C/p>\u003Cp>When building your company’s financial wellness program, thinking about ways you can help your employees build or expand their understanding of basic financial literacy will provide a solid foundation for a rewarding and helpful campaign.\u003C/p>\u003Cp>Think about the tools and resources you can offer them to bring them up to speed on budgeting, spending and saving, taxes, retirement planning, and insurance. Even basic knowledge can be incredibly powerful, especially for people who have never encountered these topics formally before.\u003C/p>\u003Cp>Many of these tools are free or low cost. For instance, the \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.consumerfinance.gov/consumer-tools/educator-tools/adult-financial-education/tools-and-resources/\\\>Consumer Financial Protection Bureau\u003C/a> maintains an extensive library of educational materials, worksheets, and tools to help evaluate everything from auto loans and credit cards to home mortgages. The \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.fdic.gov/resources/consumers/money-smart/index.html\\\>FDICs Money Smart\u003C/a> online program guides people through a series of interactive games and learning modules teaching basic financial education.\u003C/p>\u003Cp>You can also look to bring in outside  professionals to help. Do the providers you use as a business offer any free or recorded workshops? Do they provide their customers with any resources you can leverage? Do you have or know a financial professional who would be willing to give some of their time to lead a session with your team?\u003C/p>\u003Cp>With the goal of building and expending your team’s overall financial literacy, here are some topics you may want to consider for your financial wellness program:\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\x869cy\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\fbjrbq\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\cxsp94\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch5>Budgeting assistance\u003C/h5>\u003Cp>Even the hardest workers can run into trouble if they spend more than they make. Creating a realistic budget to monitor income and expenses can be a first step toward a sound financial plan. Many people find the simple act of paying attention to how and when they spend money can help them stay on track.\u003C/p>\u003Cp>You can help your employees with budgeting by drawing awareness to free tools for finance management. Basic versions of apps like Microsoft 360, Mint, GoodBudget, and Personal Capital, to name a few, can be downloaded at no cost.\u003C/p>\,\libraryBlockId\:\ychhjy\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\v2jxmt\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\nrkrds\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>Debt management and reduction\u003C/h5>\u003Cp>Stress and distractions can mount when individuals take on too much debt, whether through credit cards, personal loans, mortgages, or student loans.\u003C/p>\u003Cp>Offering information about Good vs. Bad debt, how to avoid going into bad debt, debt relief, consolidation, and lower-interest alternatives can help your employees better manage their situations.\u003C/p>\u003Cp>Not all debt is bad – help your employees understand when borrowing can be good for their overall financial health, and when and how it can become a problem.\u003C/p>\u003Cp>You can steer employees who need one-on-one coaching to credit counseling organizations like the National Foundation for Credit Counseling or the Financial Counseling Association of America. You can also help your employees monitor and improve their credit ratings by providing information about how to obtain an annual \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-copy-of-my-credit-reports-en-5/\\\>free credit report\u003C/a>.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\g6r5nh\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\gntk8h\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\r8fn7w\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-620x350.png\,\alt\:null,\crop\:null,\focal\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\520px\,\contentLibraryItems\:{\id\:2052,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false,\expirationDt\:null},\bodyText\:\\u003Ch5>Creating a surprise fund\u003C/h5>\u003Cp>Unexpected expenses occur all of the time, and they can increase your employees’ stress. A recent Federal Reserve report found that 32% of Americans couldn’t cover a $400 surprise bill out of savings.\u003Csup>2\u003C/sup>\u003C/p>\u003Cp>You can help by giving your employees guiding resources on how to build an emergency or surprise fund. Financial calculators can determine how much they will need to save to accumulate an adequate cushion. A thorough research can help them identify the right place to keep their surprise fund. Offering these simple tools can go a long way toward ensuring peace of mind for your employees.\u003C/p>\u003Cp>Many payroll services will also allow you to direct parts of your employees paychecks directly into a savings account or vehicle – coaching your employees on good savings habits, and then enabling them to do so easily with their regular paychecks can be an incredibly helpful way for you to get them on the right track with their savings strategies beyond just sharing information.\u003C/p>\,\libraryBlockId\:\c76364\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\hnybg9\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\zsr9k5\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>Financial strategies and retirement\u003C/h5>\u003Cp>Effective financial strategies can help your employees increase their financial security, but many believe that financial guidance is just for the ultra wealthy, and not them. Whether providing tools and educational resources or even partially covering the expenses of a financial professional, investment guidance is another way to support your employees’ financial wellness.\u003C/p>\u003Cp>Giving your employees guidance to plan and save for retirement can provide them with added assurance when facing retirement. Your employees may already have access to a wide array of calculators, worksheets, and educational materials through your provider’s online portal.\u003C/p>\u003Cp>Many companies administering 401(k) plans also offer investment seminars and one-on-one investment counseling to employees as a free or low-cost add on to their services. In addition, there are a number of free online resources you can recommend to your employees.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\j68956\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\yc22kb\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\tb8pbd\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>Home buying and mortgages\u003C/h5>\u003Cp>Buying a home is a dream for many individuals, and it’s likely an ambition for some of your employees, too. As an employer, you can take a number of steps to help them better understand what it takes to buy a home. Consider providing them with resources to learn how much they need financially to achieve their goal or connecting them with a mortgage broker referral program. You can also connect them with resources to help determine if buying a home is the right decision for them at that time financially.\u003C/p>\u003Cp>You can also make sure your employees know about the many free online resources available to home buyers. For instance, Freddie Mac has created a step-by-step interactive guide to help people determine how much house they can afford, what kind of down payment to make, how to apply for a loan, how appraisals work, and what to expect in the closing process. Fannie Mae offers Home View, which is a seven-module education program for home buyers. Local banks can also be a resource, frequently hosting seminars and informational sessions about the home buying process.\u003C/p>\u003Cp>Some employers go a step further by providing access to mortgage brokers who can help employees navigate the financing process of their home purchase. This is often a free service to both the employer and the employee since most mortgage brokers are compensated by lenders only when a loan is completed. Local real estate agents can often recommend reputable mortgage brokers in your area.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\j6k38t\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\ndktr7\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\wgdbmf\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>Planning for children’s education\u003C/h5>\u003Cp>College costs are rising fast. In 2023, tuition, room and board at a private four-year institution average over $46,000, even public, in-state costs top $21,000 on average according to the Education Data Initiative.\u003Csup>3\u003C/sup> As a result, some of your employees may be worried about how to cover these costs without taking on debt.\u003C/p>\u003Cp>Help by sharing basic information and tools like the budgeting and planning calculators offered by Sallie Mae and Saving for College. You can also connect your employees with resources around solutions for the expense of college, and information about the college savings plans available to them in your state.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\px5f79\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\qyzxcs\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\xbk4ky\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Taking care of employees is good for business\u003C/h4>\u003Cp>Employees are the strongest asset to small business owners. You will want them fully focused on their work rather than worrying about their relationship with their money. Providing resources that can help them improve their financial wellness can go a long way toward creating a positive work environment and building loyalty. These programs can be a relatively easy, scalable way to show your employees you support them both at work and at home.\u003C/p>\u003Cp>You don’t have to spend thousands of dollars on platforms or matching contributions. Even making the time and space for learning sessions or sharing resources can help your employees along their financial journey.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\c69mg8\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\qbsdj7\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\r96rvt\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\column-count\:\2\,\blocks\:{\id\:\vx4frp\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\sizing\:\cover\},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-500x500.png\,\alt\:\placeholder\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\240px\,\libraryBlockId\:\zfd5dy\},{\id\:\ph5xnb\,\type\:\rich-text\,\variants\:{\padding-top\:\pt-small\,\padding-bottom\:\pb-small\},\bodyText\:\\u003Ch5>Headline Lorem Ipsum Dolor Sit\u003C/h5>\u003Cp>Lörem ipsum oresebyrå dar tral huruvida eurodod emedan vulkanresa ede geonde kaning. Ost astrokament som kaffeflicka diacentrism sesat att makrore bykenat. Prelogi pogt delig kin nynesade hypora för pana, kuddbok. Köttklister el.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\d9dsgx\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Cp>\u003Csup>1\u003C/sup>“Lack of financial literacy cost 15% of adults at least $10,000 in 2022. Here’s how the rest fared,” CNBC, January 19, 2023. \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.cnbc.com/2023/01/19/heres-how-much-people-say-lack-of-financial-literacy-cost-in-2022.html\\\>https://www.cnbc.com/2023/01/19/heres-how-much-people-say-lack-of-financial-literacy-cost-in-2022.html\u003C/a>\u003C/p>\u003Cp>\u003Csup>2\u003C/sup>Economic Well-Being of U.S. Households, Board of Governors of the Federal Reserve System, 2022. (SHED)\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.federalreserve.gov/publications/2022-economic-well-being-of-us-households-in-2021-dealing-with-unexpected-expenses.htm\\\>https://www.federalreserve.gov/publications/2022-economic-well-being-of-us-households-in-2021-dealing-with-unexpected-expenses.htm\u003C/a>\u003C/p>\u003Cp>\u003Csup>3\u003C/sup>Average Cost of College & Tuition, Education Data Initiative, 2022. \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://educationdata.org/average-cost-of-college#:~:textThe%20average%20cost%20of%20tuition,or%2062.4%25%20of%20college%20costs\\\>https://educationdata.org/average-cost-of-college#:~:textThe%20average%20cost%20of%20tuition,or%2062.4%25%20of%20college%20costs\u003C/a>\u003C/p>\u003Cp>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.? \u003C/p>\u003Cp>SMRU #5500513.1 exp.?3/15/25\u003C/p>\,\libraryBlockId\:\y45bjw\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\xfp2wc\},simple-ways-to-provide-financial-wellness-to-employees,{title:4113,seoTitle:4113,seoDescription:4113,blocks:4114,parentPageId:3966,handle:4115,id:3154,isPrivate:6,newFieldForParentId:3966},How to protect your small business from a lawsuit,{\id\:\f58ndg\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\ctrh28\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\qjnzmd\},\libraryBlockId\:\c97tb5\},{\id\:\wqjzmd\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\v2qkf2\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>How to protect your small business from a lawsuit\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/How-to-protect-your-small-business-from-lawsuit_desktop.jpg\,\alt\:\small business owners looking over legal documents\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1580,\top\:0,\bgPosition\:\55% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:2707,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\qnrfxh\},\libraryBlockId\:\yf4wb6\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\z3kfwh\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\dc95db\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>Approximately 12 million contract lawsuits are filed every year against small businesses, with the average liability suit costing at least $54,000.\u003Csup>1\u003C/sup> For small businesses in every industry, the possibility of facing a lawsuit is a real risk. \u003C/p>\u003Cp>Small business owners can follow a number of preventative measures to help avoid a lawsuit before it even happens. While you cannot prevent every cause for litigation, here are five methods to minimize your risk. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\t225sr\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\dqtjhm\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\vg6n56\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>5 Ways to protect yourself from small business litigation \u003C/h4>\u003Ch5>1. Be mindful of behavior \u003C/h5>\u003Cp>Business owners must be aware of what they say and do in positions of leadership. Comments or actions perceived as discriminatory, offensive, or defamatory could lead to a lawsuit. This applies to in-person and online interactions both inside and outside working hours. \u003C/p>\u003Cp>Treat your employees, customers, and partners with respect. An employee handbook can also provide accessible, detailed, and up-to-date guidance on appropriate behavior to decrease litigation risk. Since employees also represent the company, encourage them to be mindful of their actions. Remember a business can be seen as liable for an employee’s offensive comments on social media platforms. \u003C/p>\u003Cp>Business owners should also be mindful of their business relationships. Be cautious about who you do business with, taking the time to vet potential partners to ensure the company is only associated with trustworthy and reliable brands. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\gg3nnh\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\ztwv4p\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\q92spj\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch5>2. Create separate entities \u003C/h5>\u003Cp>Maximizing tax savings and protecting personal liability are just two reasons to consider your business structure. Different business frameworks can leave personal assets vulnerable to legal action. We recommend consulting with an attorney and accountant to determine the best structure for your needs, but here are some terms to know. \u003C/p>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Trust: \u003C/strong>A trust is a legal entity that holds assets on behalf of beneficiaries. Trusts are commonly used in business structures to protect assets from business liability. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Sole proprietorship:\u003C/strong> A single individual owns and operates the business, and both personal property and finances can be at risk during business litigation. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Incorporation:\u003C/strong> Incorporating your business is the legal process of forming a corporate entity, which protects personal assets from any business debts or liabilities. \u003C/p>\u003C/li>\u003C/ul>\u003Cp>As a best practice, small business owners should separate personal and business finances. Consider structuring your business as a trust or incorporating it to establish a solid legal boundary between assets. \u003C/p>\,\libraryBlockId\:\nh99mh\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\mnczd5\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\g5yvw6\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>3. Obtain insurance  \u003C/h5>\u003Cp>Depending on your business type, you may already be required to have insurance. But not all policies provide adequate coverage against litigation. \u003C/p>\u003Cp>Business liability insurance, or commercial general liability insurance, can be an essential part of protecting small businesses. This coverage applies to bodily injury, property damage, and personal injury claims. General liability insurance comes in different varieties for small businesses, each addressing specific risks that can result in potential liability. Some common industries requiring different insurance types include: \u003C/p>\u003Cul>\u003Cli>\u003Cp>Medical/dental businesses \u003C/p>\u003C/li>\u003Cli>\u003Cp>Law/legal businesses \u003C/p>\u003C/li>\u003Cli>\u003Cp>Finance and lending \u003C/p>\u003C/li>\u003Cli>\u003Cp>Construction/manufacturing/labor businesses \u003C/p>\u003C/li>\u003Cli>\u003Cp>Restaurants and food services \u003C/p>\u003C/li>\u003Cli>\u003Cp>Transportation \u003C/p>\u003C/li>\u003C/ul>\u003Cp>Some types of liability insurance small businesses commonly purchase include: \u003C/p>\u003Cul>\u003Cli>\u003Cp>General liability insurance \u003C/p>\u003C/li>\u003Cli>\u003Cp>Property insurance \u003C/p>\u003C/li>\u003Cli>\u003Cp>Business interruption insurance \u003C/p>\u003C/li>\u003Cli>\u003Cp>Cybersecurity insurance \u003C/p>\u003C/li>\u003Cli>\u003Cp>Professional liability insurance \u003C/p>\u003C/li>\u003Cli>\u003Cp>Workers’ compensation insurance \u003C/p>\u003C/li>\u003Cli>\u003Cp>Employment practices liability insurance \u003C/p>\u003C/li>\u003C/ul>\u003Cp>We suggest consulting a lawyer to determine the correct insurance for small businesses in your industry to adequately protect your company. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\z96jnw\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\nwn3wj\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\cjq9cs\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-620x350.png\,\alt\:null,\crop\:null,\focal\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\520px\,\contentLibraryItems\:{\id\:2052,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false,\expirationDt\:null},\bodyText\:\\u003Ch5>4. Maintain strong written records \u003C/h5>\u003Cp>Maintaining complete and accurate records can keep your business organized and provide valuable protection in the event of a lawsuit. Here are some tips to keep in mind. \u003C/p>\u003Cul>\u003Cli>\u003Cp>Choose a reliable record keeping system that is secure and easy to use whether paper-based or digital. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Keep up-to-date financial records including transactions, invoices, receipts, and bank statements. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Maintain accurate employee records including employee information, job applications, resumes, and personnel files. This can aid in discrimination lawsuits and offer protection from an employee dispute. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Record customer and vendor interactions including contracts, agreements, and communications. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Train employees on record keeping for consistency and compliance. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Use non-disclosure agreements to protect sensitive information. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Consider e-signatures, legally binding agreements that make record-keeping more efficient, especially when \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\Hyperlink SCXW2439970 BCX0\\\ href\\\https://www.newyorklife.com/articles/ways-to-do-business-remotely\\\>\u003Cu>working remotely\u003C/u>\u003C/a> \u003C/p>\u003C/li>\u003Cli>\u003Cp>Store documents securely, either digitally, physically, or both (i.e., online bank vault) \u003C/p>\u003C/li>\u003Cli>\u003Cp>Invest in data protection that allows for easy document access while still protecting against a data breach. \u003C/p>\u003C/li>\u003C/ul>\u003Cp>We recommend having an attorney review any agreements or contracts before sending them to clients and vendors. Attorney review is also wise before signing any contracts sent to your business.  \u003C/p>\,\libraryBlockId\:\prw7xh\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\sdn9jy\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\k6pqwc\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>5. Hire a lawyer \u003C/h5>\u003Cp>A thorough, reliable lawyer can be an invaluable resource to help you prevent legal issues and provide guidance if legal action is taken against your business. If you find yourself in the unenviable position of being sued, it’s also better to already have a relationship with an attorney who knows you and your business to represent you. Here are a few things a lawyer can do for you as a small business owner. \u003C/p>\u003Cul>\u003Cli>\u003Cp>Conduct a legal audit to identify potential areas of legal risk \u003C/p>\u003C/li>\u003Cli>\u003Cp>Navigate legal regulations regarding grants and loans including the Small Business PPP loan program \u003C/p>\u003C/li>\u003Cli>\u003Cp>Review contracts and agreements to ensure they are legally sound and in your business’s best interests \u003C/p>\u003C/li>\u003Cli>\u003Cp>Offer advice on labor law compliance to reduce potential employee liability \u003C/p>\u003C/li>\u003Cli>\u003Cp>Provide guidance on regulatory compliance including data privacy laws and intellectual property \u003C/p>\u003C/li>\u003C/ul>\u003Cp> When you are ready to hire a lawyer, you can leverage a number of different resources. \u003C/p>\u003Cul>\u003Cli>\u003Cp>Local small business administration \u003C/p>\u003C/li>\u003Cli>\u003Cp>Local chambers of commerce or business associations \u003C/p>\u003C/li>\u003Cli>\u003Cp>Local bar association \u003C/p>\u003C/li>\u003Cli>\u003Cp>Online directories \u003C/p>\u003C/li>\u003Cli>\u003Cp>Legal aid organizations \u003C/p>\u003C/li>\u003Cli>\u003Cp>Fellow small business owners who can provide recommendations \u003C/p>\u003C/li>\u003C/ul>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\p6gqkp\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\wqjbrg\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\crbs6v\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Take charge of your business’s fate \u003C/h4>\u003Cp>Protecting a company from lawsuits is part of running a successful business. Hiring a lawyer, choosing the right insurance coverage, and forming boundaries between your personal and business finances can be steps to reduce the risk of a costly and drawn-out legal battle. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\z2xprf\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\f583xz\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\vx9w7f\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>\u003Csup>1\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.thezebra.com/resources/research/small-business-statistics/#:~:textThere%20are%20around%2012%20million,suit%20costs%20at%20least%20%2454%2C000.\\\>Small Business Statistics\u003C/a>,” The Zebra, Jan 30, 2023\u003C/p>\u003Cp>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.? ? \u003C/p>\u003Cp>SMRU #5500502.1 exp. 3/15/2025 \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\c5n8s3\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\sdxwrj\},how-to-protect-your-small-business-from-a-lawsuit,{title:4117,seoTitle:4117,seoDescription:4117,blocks:4118,parentPageId:3966,handle:4119,id:3155,isPrivate:6,newFieldForParentId:3966},What you need to know about retirement plans as a small business owner,{\id\:\jk5ypn\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\t26qpd\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\t9xzpw\},\libraryBlockId\:\vn2vf8\},{\id\:\ww4b8g\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\spmfhj\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>What you need to know about retirement plans as a small business owner\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/Retirement-plans-small-business-owners_desktop.jpg\,\alt\:\small business owner on his phone in his restaurant\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1210,\top\:0,\bgPosition\:\42% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode 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}}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:2709,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\b6sfdg\},\libraryBlockId\:\rh87z7\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\x2cpqc\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\jsw6n2\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>As businesses grow and onboard more employees over time, establishing financial benefits like retirement plans is a crucial way to attract and retain top talent. Even a business with just a handful of employees can benefit from offering a retirement plan. Small business owners often overlook this benefit and can be confused regarding where to get started. As a guide for your own business, here are the most common employer-provided retirement savings plans and how they work:\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\hvn7rf\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\dzd2db\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\k85mkt\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>401(k)\u003C/h4>\u003Cp>In a 401k, employees contribute a portion of their earnings into a tax-deferred retirement account. They get an immediate tax deduction for the amount they contribute, and they pay no taxes on growth in their account until they withdraw money after retirement. At that point, they pay ordinary income taxes on the amount they withdraw.\u003C/p>\u003Cp>Most 401(k) plans allow participants to decide how to invest their contributions, choosing from a menu of diversified mutual funds or ETFs. Many also permit loans and early withdrawals while also charging a penalty fee, allowing employees to access funds before they reach retirement age, if needed. Employers can also contribute to these accounts on behalf of their employees though they are not required to do so.\u003C/p>\u003Cp>Any size company can establish a 401(k), even if they are comprised of a single person. Companies with 100 or fewer employees can establish a SIMPLE 401(k), which has fewer administration and reporting requirements than traditional 401(k)s. In contrast, a Traditional 401(k) will have more administrative requirements, but offer higher contribution limits.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\sdny6y\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\k2q8yy\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\x32bj2\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>IRA/Roth IRA\u003C/h4>\u003Cp>Small business owners can also fund their own retirement, and that of their employees, through traditional and Roth IRAs. These are relatively simple, low-cost benefits that may make sense for smaller businesses.\u003C/p>\u003Cp>In a traditional IRA, you make tax-deductible contributions to your account and pay taxes when you begin withdrawing money for retirement. In contrast, with a Roth IRA, you get no up-front tax benefit for making a contribution, but the amounts you withdraw upon retirement are tax free. Both have relatively low maximum contributions of $6,500 per year or $7,500 if you’re over the age of 50.\u003C/p>\u003Cp>IRAs and Roth IRAs are typically used by individuals to fund their retirement, but business owners can make this benefit available to their employees by establishing a Payroll Deduction IRA. Employees elect to make regular contributions to an IRA out of their paychecks, and the employer sets up an automatic withdrawal from payroll into the IRA account. Payroll Deduction IRAs can be set up as Roth or traditional IRAs, and they are subject to the same maximum contribution limits as individual IRAs.\u003C/p>\,\libraryBlockId\:\krr23d\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\d8k6tb\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\fctvcg\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch4>SEP IRA\u003C/h4>\u003Cp>A SEP IRA, or simplified employee pension IRA, enables business owners to contribute to their own and their employees’ retirement through individual retirement accounts. They are relatively straightforward to set up and administer, so they can be suitable for smaller businesses.\u003C/p>\u003Cp>SEP IRAs offer the same tax benefits as traditional IRAs with tax-deductible contributions and investment income that grows tax-free. Participants pay ordinary income taxes on withdrawals.\u003C/p>\u003Cp>The main advantage in this case over traditional IRAs is higher contribution limits. Participants can contribute as much as 25% of compensation up to a maximum of $66,000 for 2023, and these limits are adjusted annually for inflation.\u003C/p>\u003Cp>Employers are required to contribute the same percentage of salary for all employees. So, if you contribute 5% of your earnings to your own account, you will have to also contribute 5% of salary for each of your employees. These contributions are tax deductible for your business.\u003C/p>\u003Cp>Employees can also make personal, non-SEP contributions to these accounts up to the maximum contribution limits. In 2023, that’s $6,500 for employees under 50 and $7,500 for employees over 50.\u003C/p>\,\libraryBlockId\:\pqj4kp\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\kbvhc7\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\mfkh6x\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-620x350.png\,\alt\:null,\crop\:null,\focal\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\520px\,\contentLibraryItems\:{\id\:2052,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false,\expirationDt\:null},\bodyText\:\\u003Ch4>Solo 401(k)s and Self-Directed IRAs\u003C/h4>\u003Cp>Many of the retirement programs we’ve discussed are simple enough that they can work for a one-person business. However, there are two options specifically designed for sole proprietors and single-person companies.\u003C/p>\u003Cp>A solo 401(k) allows business owners to contribute up to 100% of their earned income on their own behalf, with an annual contribution limits of $22,500 in 2023 ($30,000 if the business owner is older than 50). The company can also make contributions up to 25% of compensation.\u003C/p>\u003Cp>Solo 401(k)s have similar tax benefits to traditional 401(k)s in that you can deduct both individual and corporate contributions from your taxes, and investment income accumulates tax free until you withdraw assets. Similarly, you pay regular income tax on the amounts you withdraw.\u003C/p>\u003Cp>Most retirement plans, including 401(k)s as well as traditional and Roth IRAs, require participants to invest in publicly traded securities like stocks, bonds, mutual funds, and ETFs. If you want to invest in more diverse assets such as precious metals, commodities, private debt and equity, and real estate, you may want to consider a self-directed IRA (SDIRA). These accounts allow for more investment options, but they otherwise work exactly like IRAs. They can be set up as traditional or Roth SDIRAs, and they are also subject to the same tax rules and investment maximums as traditional and Roth IRAs.\u003C/p>\u003Cp>Not all investment providers offer SDIRAs. Keep in mind also that with a self-directed IRA, you are assuming all responsibility for your investment decisions. SDIRA providers cannot and do not provide investment education or advice, so they are best for experienced and knowledgeable investors.\u003C/p>\,\libraryBlockId\:\cv7f6f\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\rjtzrr\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\sd54qd\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\vertical-alignment\:null,\alignment\:null,\sizing\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\src\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/AR11527_072023 Table Build_SmallBusinessOwner_Desktop@2x.png\,\alt\:\Business owner retirement plans\,\crop\:null,\focal\:null},\image-link\:null,\width\:null,\height\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:17126,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\kw5zmn\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\tvmbfp\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\xv2f2t\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>Providing your employees with retirement savings plans is an important part of maintaining a committed workforce. You can show your dedication to their well-being and help to build loyalty and attract new candidates as your business grows.\u003C/p>\u003Cp>Navigating the wide range of retirement plan options can be challenging but be sure to take the time to review and understand what is available before making a decision. A financial professional specializing in small businesses can guide you regarding what makes the most sense for you, your company, and your employees.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\vnwptb\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\hn33yg\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\xpz88y\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.\u003C/p>\u003Cp class\\\disclosure\\\>SMRU #5500520.1 exp.?3/14/2025\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\f7dtdq\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\qhxj3d\},retirement-plans-for-small-businesses,{title:4121,seoTitle:4121,seoDescription:4121,blocks:4122,parentPageId:3966,handle:4123,id:3156,isPrivate:6,newFieldForParentId:3966},Financial basics for your high school graduate,{\id\:\xn7yg3\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\yr92yq\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\f5sky2\},\libraryBlockId\:\sn3z5q\},{\id\:\smypbf\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\fjcfv9\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>Financial basics for your high school graduate\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/Financial-basics-high-school-graduate_desktop.jpg\,\alt\:\woman hugging a high school graduate holding her diploma\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:767,\top\:0,\bgPosition\:\27% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode }}}\},\address2\:{\line1\:\\,\line2\:\\,\city\:\\,\state\:\\,\zip\:\\},\goName-show\:null,\toggleImage\:null,\photo\:{\src\:\{{{ user.ddcUserData.photoURLProfile }}}\,\alt\:\Headshot of {{{ user.ddcUserData.mktrLglFirstNm }}} {{{ user.ddcUserData.mktrLglLastName }}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:2710,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\bypfr7\},\libraryBlockId\:\z6ss6y\},{\id\:\d6qr62\,\type\:\rows\,\variants\:{\layout\:\full-width\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\xy9jf3\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\tpq7v4\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>Prompted by the economic challenges and uncertainty caused by the COVID-19 pandemic, more states are requiring financial literacy classes for high schoolers.\u003Csup>1\u003C/sup> This is an encouraging step because a recent survey found over half of teens feel unprepared to finance their futures.\u003Csup>2\u003C/sup> \u003C/p>\u003Cp>But what if your child did not have the opportunity to take a financial literacy course? As a parent, you want the best for your child’s future, and making sure they have the financial knowledge they need to thrive is crucial.  \u003C/p>\u003Cp>For many parents, all they want for their child is a long and happy life of prosperity – establishing a positive relationship with money, and healthy financial habits is an important part of that future success. Here are five key financial basics you can help teach your child about today, to set them up for financial success in the future. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\yfnh6r\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\hvgx6x\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\rw9yx4\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>5 Key financial components your child should understand \u003C/h4>\u003Cp>Teaching teenagers financial responsibility is an important part of their future success as independent adults, and a positive future for them as contributing members of society. Money management education can start as early as middle school with basic introductory concepts.  Its never too early, or too late to start learning about personal finance, which can set a strong foundation for financial literacy in adulthood. Whether they’re leaving the nest in a few weeks, or a few years, here are five areas of personal finance your child should learn about. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\vqs3cw\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\c5tfpp\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\tswv2y\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Ch5>1. What they earn \u003C/h5>\u003Cp>Paychecks can be exciting and confusing for teens when they first start to earn for themselves. There are several standard paycheck line items all teens leaving high school should understand regarding their earnings. You should make sure and cover how taxes and other deductions impact their take-home pay including terms like the following: \u003C/p>\u003Cul>\u003Cli>\u003Cp>\u003Cstrong>Gross income: \u003C/strong>The total amount earned before any taxes or deductions are taken out \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Net income: \u003C/strong>The amount of money left after taxes and other deductions are taken out \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Federal income tax: \u003C/strong>Tax paid to the federal government as determined by income level and filing status \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>State income tax: \u003C/strong>Tax paid to the state government. Note that not all states enforce this. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Social security tax: \u003C/strong>Tax\u003Cstrong> \u003C/strong>deducted to fund the Social Security program \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Medicare tax: \u003C/strong>Tax deducted to fund the Medicare program. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Retirement contribution: Funds \u003C/strong>deducted from gross income and put into a retirement account of the payee’s choice. They also reduce your taxable income. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Health insurance premiums: Deductions that \u003C/strong>pay for the employee’s portion of their health care coverage. This may not apply to all of their jobs, but likely will in the future. \u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Cstrong>Other deductions: \u003C/strong>While\u003Cstrong> \u003C/strong>rare for a high school graduate, these may include child support, wage garnishments, or charitable contributions. \u003C/p>\u003C/li>\u003C/ul>\,\libraryBlockId\:\xx4g2b\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\qb5gsq\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\vfb74t\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>2. What they spend \u003C/h5>\u003Cp>Now that your grad is earning money, what will they spend it on? This is where financial literacy for high schoolers becomes key. It’s never been easier to spend, with targeted ads and online shopping proving a temptation few can resist – talking with your teen about how to manage their spending is a key part of their financial education journey. \u003C/p>\u003Cp>Even if they are not paying certain expenses themselves, teens should thoroughly understand day-to-day living costs. A basic budget can help them track inbound and outbound money while establishing healthy spending habits. \u003C/p>\u003Cp>Using an online budget planner, like \u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ class\\\Hyperlink SCXW247930732 BCX0\\\ href\\\https://mint.intuit.com/\\\>\u003Cu>Mint\u003C/u>\u003C/a> for example, can help make budgeting more interactive and engaging while allowing real-time monitoring. Make sure your teen knows every category that can be tracked including: \u003C/p>\u003Cul>\u003Cli>\u003Cp>Housing \u003C/p>\u003C/li>\u003Cli>\u003Cp>Food \u003C/p>\u003C/li>\u003Cli>\u003Cp>Transportation \u003C/p>\u003C/li>\u003Cli>\u003Cp>Personal care \u003C/p>\u003C/li>\u003Cli>\u003Cp>Entertainment \u003C/p>\u003C/li>\u003Cli>\u003Cp>Education \u003C/p>\u003C/li>\u003Cli>\u003Cp>Health \u003C/p>\u003C/li>\u003Cli>\u003Cp>Savings \u003C/p>\u003C/li>\u003Cli>\u003Cp>Debt \u003C/p>\u003C/li>\u003Cli>\u003Cp>Miscellaneous \u003C/p>\u003C/li>\u003C/ul>\u003Cp>With a budget in hand, conversations around spending and savings can be much easier. As a rule of thumb, the ideal cost of living against income as a percentage is 50%, meaning half of your child’s income can cover their basic needs while the other half can go toward entertainment, saving, and investing. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\zwg424\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\ryn6vb\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\b5syyg\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-620x350.png\,\alt\:null,\crop\:null,\focal\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\520px\,\contentLibraryItems\:{\id\:2052,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false,\expirationDt\:null},\bodyText\:\\u003Ch5>3. What they save for \u003C/h5>\u003Cp>With a firmer understanding of budgeting and money management for teens, it’s time to start thinking about long-term financial goals. Sure, when your child is in their first year of university they’re more likely thinking about what to have for dinner that night than their long-term financial goals, but starting early and developing good habits as soon as possible will help set them on the right course. Having a target can be a powerful motivator for encouraging good spending and savings habits. Your grad can begin saving for any number of reasons including: \u003C/p>\u003Cul>\u003Cli>\u003Cp>Travel between semesters \u003C/p>\u003C/li>\u003Cli>\u003Cp>Buy their first car \u003C/p>\u003C/li>\u003Cli>\u003Cp>Pay off student loans \u003C/p>\u003C/li>\u003Cli>\u003Cp>Start a business \u003C/p>\u003C/li>\u003Cli>\u003Cp>Save for a home \u003C/p>\u003C/li>\u003Cli>\u003Cp>Start a hobby \u003C/p>\u003C/li>\u003C/ul>\u003Cp>These are just some ideas, and everyone’s financial goals are different. Remember to guide your grad rather than push. This can also be an excellent time to explain the importance of saving for unexpected expenses in a surprise fund.  \u003C/p>\,\libraryBlockId\:\sn5yz8\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\cjsnx7\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\fhjx6p\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>4. When and how to borrow \u003C/h5>\u003Cp>When your grad turns 18, they become eligible for certain privileges and opportunities like opening a credit card account. Borrowing can be a valuable financial tool when approached correctly, but it can be equally dangerous. \u003C/p>\u003Cp>As a parent, teaching your graduate about the benefits and risks of using credit cards can help them avoid severe financial damage. Here are some tips: \u003C/p>\u003Cul>\u003Cli>\u003Cp>Begin with the basics and explain what credit is and how credit cards work. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Emphasize the importance of minimum payments to avoid penalties and fees and how this approach can drag out repayment windows and tack on additional interest. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Discuss debt-to-income ratios and how it applies to your child’s future goals such as buying a home. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Explain how credit scores work and how credit card use impacts this. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Help your child open their first credit card, and encourage them to ask for the lowest credit limit to start – starting slow and learning good habits is key! \u003C/p>\u003C/li>\u003C/ul>\u003Cp>Don’t be afraid to bring out your own credit card statements and show your child some real-life examples. Some parents choose to add their child as an authorized user on their own card for practice before encouraging them to open a separate account. Even then, consider a student credit card designed to help college students build their credit history while limiting how much debt they can accrue. \u003C/p>\u003Cp>For many recent high school grads, their first experience with borrowing will be student loans – teaching your child about what those loans are, what those funds can and should be used for, and the implications of paying them back over time can be an important entry point for a wider conversation about loans and borrowing. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\pf5ch4\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\yyxctk\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\z545kb\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>5. How to protect against fraud \u003C/h5>\u003Cp>While having a bank account, credit card, phone bill, and other financial tools can be valuable for achieving financial independence, they open the door to identity theft, scams, and fraud.  \u003C/p>\u003Cp>Identity theft affects about 1 in 20 Americans each year, producing a new victim every 22 seconds.\u003Csup>3\u003C/sup> Financial education for teens should include teaching them to: \u003C/p>\u003Cul>\u003Cli>\u003Cp>Monitor their financial accounts and credit reports for unauthorized activity. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Keep their personal information including their social security number and birthdate safe. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Use strong passwords for online financial accounts and avoid using the same password for multiple accounts. \u003C/p>\u003C/li>\u003Cli>\u003Cp>Learn about phishing scams and be wary of unsolicited emails or phone calls requesting personal information or money. \u003C/p>\u003C/li>\u003C/ul>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\qscjhh\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\spv4q4\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\y8zx3q\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Empower your new grad with financial know-how \u003C/h4>\u003Cp>Financial education is an important aspect of preparing your child for the responsibilities of adulthood. From living on their own to paying their own bills and spending their own money, your new grad is on the verge of experiencing many things for the first time.  \u003C/p>\u003Cp>As a parent, ensuring your child understands financial basics before heading out into the world can help them build a positive relationship with money, and give them the confidence, knowledge, and skills to build their future on a solid financial foundation. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\bc8zzd\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},{\id\:\pjzbcj\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\v9ghsx\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp class\\\disclosure\\\>\u003Csup>1\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.pewtrusts.org/en/research-and-analysis/blogs/stateline/2022/04/27/covid-woes-prompt-more-states-to-require-financial-literacy-classes\\\>COVID Woes Prompt More States to Require Financial Literacy Classes\u003C/a>,” PEW Research, Apr 27, 2022\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>2\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.cnbc.com/2022/06/01/54percent-of-teens-feel-unprepared-to-finance-their-futures-survey-shows.html#:~:textThe%20impact%20of%20personal%20finance,when%20preparing%20for%20their%20futures.\\\>54% of teenagers feel unprepared to finance their futures, survey shows\u003C/a>,” CNBC, Jun 1, 2022\u003C/p>\u003Cp class\\\disclosure\\\>\u003Csup>3\u003C/sup>“\u003Ca target\\\_blank\\\ rel\\\noopener noreferrer nofollow\\\ href\\\https://www.experian.com/blogs/ask-experian/how-common-is-identity-theft/\\\>How Common is Identity Theft?\u003C/a>,” Experian, Jan 24, 2021\u003C/p>\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.?? \u003C/p>\u003Cp class\\\disclosure\\\>SMRU #5500518.1 exp. 3/14/2025 \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\yq5964\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null},\libraryBlockId\:\cjf6gf\},financial-basics-for-your-high-school-graduate,{title:4125,seoTitle:4125,seoDescription:4125,blocks:4126,parentPageId:3966,handle:4127,id:652,isPrivate:6,newFieldForParentId:3966},6 Questions to ask a financial professional,{\id\:\xw8tqt\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\kkjzh8\,\type\:\breadcrumbs\,\variants\:{},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\r3fyyz\},\libraryBlockId\:\tmznyj\},{\id\:\fctrtg\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:null,\padding-bottom\:null},\rowHeight\:\auto\,\blocks\:{\id\:\fdpgnf\,\type\:\heroComponent\,\variants\:{\overlayColor\:\black-overlay\,\overlayOpacity\:\medium-overlay\,\gradientColor\:\black-gradient\,\invert-colors\:null,\invert-colors-primaryButton\:null,\invert-colors-secondary\:null,\secondary-as-primary\:null,\overlay\:true,\gradient\:null,\gradientDirection\:null,\invertControls\:null,\remove-background\:true,\bg-color\:null,\contentPlacement\:\middle-center\,\button-align\:null,\button-direction\:null,\_custom\:null},\heroHeight\:\500\,\component\:\content-card\,\team-member\:-1,\landline-show\:true,\landline\:\{{{ user.ddcUserData.busPhoneNum }}}\,\extension\:\{{{ user.ddcUserData.busPhoneExtnNum }}}\,\alt_phone_1-show\:true,\alt_phone_1\:\{{{ user.ddcUserData.altPhone1 }}}\,\alt_phone_2-show\:true,\alt_phone_2\:\{{{ user.ddcUserData.altPhone2 }}}\,\mobile-show\:true,\mobile\:\{{{ user.ddcUserData.cellPhoneNum }}}\,\fax-show\:true,\fax\:\{{{ user.ddcUserData.faxNumber }}}\,\email-show\:true,\email\:\{{ #user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.dbaEmail }}}{{ /user.ddcUserData.dbaEmail }}{{ ^user.ddcUserData.dbaEmail }}{{{ user.ddcUserData.busEmailId }}}{{ /user.ddcUserData.dbaEmail }}\,\address-show\:true,\address2-show\:true,\goName\:\{{{ user.ddcUserData.orgUnitDesc }}}\,\toggleName\:true,\name\:\{{{ user.ddcUserData.mktrLglFirstNm }}} \\\{{{user.ddcUserData.mktrPrefFirstNm}}}\\\ {{{ user.ddcUserData.mktrLglMiddleNm }}} {{{ user.ddcUserData.mktrLglLastName }}} {{{ user.ddcUserData.mktrLglSfxCode }}}\,\toggleDesignation\:true,\designation\:\{{{ user.ddcUserData.designations }}}\,\toggleTitle\:true,\title\:\{{ #user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.dbaTitle }}}{{ /user.ddcUserData.dbaTitle }}{{ ^user.ddcUserData.dbaTitle }}{{{ user.ddcUserData.agentTitleExternalDesc }}}{{ /user.ddcUserData.dbaTitle }}\,\toggleDba\:true,\dbaname\:\{{ #user.ddcUserData.dbaDisplayName }}{{{ user.ddcUserData.dbaDisplayName }}}{{ /user.ddcUserData.dbaDisplayName }}{{ ^user.ddcUserData.dbaDisplayName }} {{{user.ddcUserData.dbaName}}}{{ /user.ddcUserData.dbaDisplayName }}\,\facebook-show\:true,\facebook\:\{{{ user.ddcUserData.facebookUrlTxt }}}\,\linkedin-show\:true,\linkedin\:\{{{ user.ddcUserData.lnkdinUrlTxt }}}\,\twitter-show\:true,\twitter\:\{{{ user.ddcUserData.twitterUrlTxt }}}\,\overline\:\\,\headline\:\\u003Ch2 style\\\text-align: center\\\>6 questions to ask a financial professional\u003C/h2>\,\bodyText\:\\u003Cp>\u003C/p>\,\copySelfEdit\:true,\buttonLabel\:\Button\,\primaryButton\:false,\primaryLabel\:\Button\,\secondaryButton\:false,\secondaryLabel\:\Button\,\toggleLicense\:true,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\heroBackgroundMediaSrc\:{\src\:\https://f92core-builder-prod-sites.azureedge.net/brands/3/uploads/6-Questions-to-ask-financial-professional_desktop.jpg\,\alt\:\woman meeting with a financial professional\,\crop\:null,\focal\:{\width\:300,\height\:300,\left\:1202,\top\:0,\bgPosition\:\42% 0%\}},\extension_alt_phone_1\:null,\alt_phone_1Label\:null,\extension_alt_phone_2\:null,\alt_phone_2Label\:null,\address\:{\line1\:\{{{ user.ddcUserData.busLocAddrLn1tx }}}\,\line2\:\{{{ user.ddcUserData.busLocAddrLn2Tx }}}\,\city\:\{{{ user.ddcUserData.busLocAddrCityNm }}}\,\state\:\{{{ user.ddcUserData.busLocAddrStateCode }}}\,\zip\:\{{{ user.ddcUserData.busLocAddrZipCode 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}}}\},\disclosure\:null,\copy\:null,\button\:null,\button-styles\:null,\buttonIcon\:null,\buttonIconPlacement\:null,\buttonUrl\:null,\primaryBtnIcon\:null,\primaryBtnIconPlacement\:null,\primaryUrl\:null,\button-styles-secondary\:null,\secondaryBtnIcon\:null,\secondaryBtnIconPlacement\:null,\secondaryUrl\:null,\showBreadcrumb\:null,\hero-background-color\:null,\block-name\:null,\hide-from-section\:null,\contentLibraryItems\:{\id\:2714,\propertyKey\:\heroBackgroundMediaSrc\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false},\libraryBlockId\:\jzbj3n\},\libraryBlockId\:\f8v3bn\},{\id\:\jj6mkd\,\type\:\rows\,\variants\:{\layout\:\full-bleed\,\padding-top\:\pt-huge\,\padding-bottom\:\pb-huge\},\rowHeight\:\auto\,\blocks\:{\id\:\x7y8sw\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\hgckgv\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Cp>Working with a financial professional can help you make more informed financial life decisions, whether you decide to work with a financial advisor or life insurance agent, or someone else. But choosing the right professional to work with can be a bit of a challenge, especially in an industry that has long relied on word-of-mouth recommendations. \u003C/p>\u003Cp>There are a number of reasons to choose a professional to help you with your finances. Maybe you have a new job with better pay and benefits and want to make the most of your newfound prosperity. Or possibly your life has changed because you got married, had a family, or got divorced, and you want to make sure your financial strategy takes those changes into account. Maybe you’re not sure whether you have the right mix of investments to achieve your return goals. Which type of financial professional you need will depend on your situation – you wouldn’t go to a financial professional to help file your taxes, just like you wouldn’t go to a dentist to fix a broken bone. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\xp23vc\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\ffj5s8\},{\id\:\dn7nds\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\pqzfvz\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Finding the right fit: Questions to ask a financial professional \u003C/h4>\u003Cp>No matter why you’re looking for help, finding the right fit is important. You may be tempted to hire the first person that you interview or to choose a professional who gets rave reviews from a friend or a colleague. But everyone’s financial goals, priorities, and preferences are different.  \u003C/p>\u003Cp>That’s why it’s critical to do your research and find a financial professional who fits your personal needs and situation. Here are six questions to ask a potential financial professional that will help you find your ideal financial partner. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\qrbzzh\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\n7mzt8\},{\id\:\rzn65g\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\fsjb8p\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>#1: What products and services do you provide? \u003C/h5>\u003Cp>Many financial professionals are licensed differently and specialize in specific areas, like retirement planning, investments, tax-favored savings, insurance solutions or estate planning. Try to find one whose specialty aligns with your needs. For example, if you are looking for someone to help you fine-tune your 401(k), be on the lookout for a professional who has experience in retirement plan vehicles. If you’re worried about investment risk in volatile markets, focus on someone with strong protection-oriented solutions. In the market for a new life insurance policy? While an investment professional might be able to help guide you, and insurance-focused professional will likely give you a more complete picture of your options. \u003C/p>\u003Cp>Remember that your financial requirements may also change as you move through life. A financial professional with broad skills can help you at every stage of your journey, from building up assets to planning for major purchases like a home to preparing for retirement.  \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\tv4f2d\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\vnhqpb\},{\id\:\ccjqzg\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\mc38cw\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch5>#2: How do you charge for your services?  \u003C/h5>\u003Cp>Financial professionals receive their compensation in a number of different ways, and the way they get paid can have a significant impact on your relationship with them. Talk to potential partners about how their fees are calculated and get a sense up front of how much you’ll be paying.  \u003C/p>\u003Cp>Insurance and investment professionals receive commissions on the products they sell you and the transactions they execute for your account. This is called a commission-based fee structure. However, all of them are required to make recommendations with your best interest in mind. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\s9vvxn\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\j8b7wg\},{\id\:\q6fhg9\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\s763kh\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-620x350.png\,\alt\:null,\crop\:null,\focal\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\520px\,\contentLibraryItems\:{\id\:2052,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false,\expirationDt\:null},\bodyText\:\\u003Ch5># 3: Who is your average client?\u003Cstrong> \u003C/strong>\u003C/h5>\u003Cp>Financial professionals often focus on a specific sector of the marketplace, for instance, business owners, corporate executives, or young families planning a college fund for their children – some specialize down to details like age and gender. Find out if the candidates you’re interviewing have experience serving people whose situations might be the most similar to yours.  \u003C/p>\u003Cp>You might think that the best financial partners would be those who serve the richest clientele, but in fact, someone who has spent their career learning the intricacies of the ultra-high-net worth market may not be a good fit for a person who is just starting to accumulate assets.  \u003C/p>\u003Cp>In addition, there are often nuances specific to the kinds of clients, for instance LGBTQ families or self-employed professionals, that only a specialist will understand. It can be critical to highlight these questions to ask a financial professional in a first meeting to decide if it’s worth moving forward.  \u003C/p>\,\libraryBlockId\:\vnrc9t\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\dshzsr\},{\id\:\fmq37k\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\pgs3z9\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-620x350.png\,\alt\:null,\crop\:null,\focal\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\520px\,\contentLibraryItems\:{\id\:2052,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false,\expirationDt\:null},\bodyText\:\\u003Ch5>#4: What is your financial philosophy? \u003C/h5>\u003Cp>Different financial professionals have different philosophies about finances. Some are more risk averse than others, for example, while specific views about certain asset classes, timelines and strategies can all have an impact on how you are able to work with any given financial professional. \u003C/p>\u003Cp>Say you have a generally conservative view on managing your or your family’s finances - you may want to prioritize long-term stability over short term growth, with a focus on long-term solutions. A financial professional who starts every conversation with a spiel on the latest trends in the marketplace might not be the right option for you at this time. \u003C/p>\u003Cp>Ask potential financial professionals how they think about finances, what’s important to them, and how they go about creating strategies.  Make sure it’s in line with your own approach and preferences.  \u003C/p>\,\libraryBlockId\:\mz5dqr\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\dxtbt2\},{\id\:\pzy4jk\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\y5qgs3\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-620x350.png\,\alt\:null,\crop\:null,\focal\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\520px\,\contentLibraryItems\:{\id\:2052,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false,\expirationDt\:null},\bodyText\:\\u003Ch5>#5: How do you like to work with your clients? \u003C/h5>\u003Cp>Do you need to see your partner face-to-face on a regular basis or would you rather receive updates by email or over the web? How are questions and client problems resolved? It might even matter to you, or the financial professional, whether they get to know you as a person or whether they keep the relationship strictly professional.  \u003C/p>\u003Cp>Some other financial professionals will work with a team, which can be helpful in some instances for the service of your products or plans but may not always be necessary. \u003C/p>\u003Cp>Find out how each potential partner interacts with their clients, whether through quarterly meetings, phone calls, email, or an online portal, and choose the one that best fits your needs.  \u003C/p>\,\libraryBlockId\:\r54kft\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\nh9gpd\},{\id\:\fsc9cf\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\qwjbhx\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-620x350.png\,\alt\:null,\crop\:null,\focal\:null},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\520px\,\contentLibraryItems\:{\id\:2052,\propertyKey\:\src\,\edited\:false,\global\:true,\type\:\image\,\isLocked\:false,\expirationDt\:null},\bodyText\:\\u003Ch5>#6: Can I speak to one of your current or former clients? \u003C/h5>\u003Cp>After you’ve met with a financial professional, you may also want to touch base with one or more of their current or former clients. These references can give you an insider’s view of what it’s like working with them.  \u003C/p>\u003Cp>Even if you found this particular financial professional from a referral from a friend or coworker, see if they’re willing to have you speak to other clients. \u003C/p>\u003Cp>Some questions to ask their current clients could be: \u003C/p>\u003Cul>\u003Cli>\u003Cp>How long have you been working with your financial professional? \u003C/p>\u003C/li>\u003Cli>\u003Cp>How often do you meet with your financial professional? \u003C/p>\u003C/li>\u003Cli>\u003Cp>How often do they reach out to you with updates? \u003C/p>\u003C/li>\u003Cli>\u003Cp>How responsive is your financial professional? \u003C/p>\u003C/li>\u003Cli>\u003Cp>Would you feel comfortable recommending this person to a friend or family member? \u003C/p>\u003C/li>\u003C/ul>\u003Cp>It’s always a good sign when a financial professional is willing to provide a client reference. This can show they are confident about the service level they provide. On the other hand, financial professionals who refuse to let you speak to references may think you won’t like what you’ll hear.  \u003C/p>\,\libraryBlockId\:\w7pbcw\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\fgs96b\},{\id\:\tskjdq\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:null,\padding-bottom\:\pb-medium\,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\gzgjbh\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\bodyText\:\\u003Ch4>Finding a match for your financial needs  \u003C/h4>\u003Cp>Finding the right financial professional is an art, not a science. You have a lot of options, and it’s up to you to identify professionals with a mix of expertise, focus, philosophy, and service that best fits your specific needs. Remember, it’s your life and your money. Just because a friend referred you to this particular financial professional, or you’re already working with them doesn’t mean you have to stick with them if you don’t feel they’re the right fit.  \u003C/p>\u003Cp>Doing your due diligence and asking the right questions at the start of the relationship can help ensure you’re making a sound decision for your finances, but you can also use these questions as a way to evaluate your current relationship. What’s important is that you feel confident and comfortable with the financial professional you’ve chosen to work with. \u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\gzzvbj\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\intro-text-show\:null,\intro-text\:null,\height\:null,\intervalSwipeTime\:null,\section-name\:null,\hasAccordion\:null,\libraryBlockId\:\sm2zm5\},{\id\:\rt8r5t\,\type\:\container\,\variants\:{\child-width\:\slim\,\carousel-indicator\:\carousel_numbers\,\layout-width\:\contained\,\padding-top\:\pt-medium\,\padding-bottom\:null,\layout\:null,\vertical-alignment\:null,\horizontal-align\:null,\bg-color\:null,\padding-all\:null,\padding-left\:null,\padding-right\:null,\padding-x\:null,\_custom\:null},\showArrows\:true,\accordionText\:\Accordion\,\blocks\:{\id\:\sk5y58\,\type\:\rich-text\,\variants\:{\padding-top\:null,\padding-bottom\:null},\column-count\:\2\,\blocks\:{\id\:\v35zn3\,\type\:\image\,\variants\:{\padding-top\:null,\padding-bottom\:null,\sizing\:\cover\},\src\:{\src\:\https://f92core-nylwebsites.azureedge.net/3/uploads/Image-Placeholder-500x500.png\,\alt\:\placeholder\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\height\:\240px\,\libraryBlockId\:\zrynx6\},{\id\:\p86nth\,\type\:\rich-text\,\variants\:{\padding-top\:\pt-small\,\padding-bottom\:\pb-small\},\bodyText\:\\u003Ch5>Headline Lorem Ipsum Dolor Sit\u003C/h5>\u003Cp>Lörem ipsum oresebyrå dar tral huruvida eurodod emedan vulkanresa ede geonde kaning. Ost astrokament som kaffeflicka diacentrism sesat att makrore bykenat. Prelogi pogt delig kin nynesade hypora för pana, kuddbok. Köttklister el.\u003C/p>\,\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\libraryBlockId\:\m35fym\},\linkUrl\:null,\newWindow\:null,\linkInternal\:null,\bodyText\:\\u003Cp class\\\disclosure\\\>This article is provided for general informational purposes only. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.? \u003C/p>\u003Cp class\\\disclosure\\\>SMRU #5457758.1 exp. 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\https://app-core-api-prod.azurewebsites.net/api/seo/source/0/type/page/active\: 401 Unauthorized,401,Unauthorized,{type:4526,title:4524,status:4523,traceId:4527},https://tools.ietf.org/html/rfc9110#section-15.5.2,00-d63ae4f9aa194df781d0a86887460e74-5cbf837f98f86459-01,//script>script>window.__NUXT__{};window.__NUXT__.config{public:{googleRecaptchaSiteKey:6LdhkRklAAAAACikikgABh155ITdV4-svXxa_l0M,googleMapsKey:AIzaSyBGpZgU87UBRM8qhHaZ0S51z1LFk4xVmEc,apiBaseUrl:https://app-core-api-prod.azurewebsites.net/api,storageURL:https://sacorebuilderprodsi.blob.core.windows.net/$web,dynamicThemes:true,appEnv:,gtm:{devtools:true,enabled:true,debug:false,id:GTM-54ZKWF8},screendeskId:4fa702},app:{baseURL:/,buildId:5ad9ddf4-d5d3-4a29-ada4-5e5318a4068e,buildAssetsDir:/_nuxt/,cdnURL:}}/script>/body>/html>

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Domain > josephscaccia.com

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Port 443