P. Danyale Thomas, FSCP

12/03/2025

Older adults who aren't yet eligible for Medicare may face the largest increases in health insurance premiums if enhanced ACA subsidies disappear.

Older adults who aren't yet eligible for Medicare face the largest increases in health insurance premiums if enhanced ACA subsidies disappear.

12/02/2025

When the paycheck stops, your protection plan should continue.
Separation often means losing employer-sponsored insurance, and that can leave a gap in your financial safety net.
Here’s what to review:
• Health insurance — explore COBRA or Marketplace options.
• Life insurance — check if it’s portable or convertible.
• Income protection — consider private disability coverage if you’re between jobs.
Protecting income is just as important as growing it.

11/20/2025

The Power of Staying Invested!
You've got options to simplify your 401(k) savings-keep funds funds in the former employer's plan; direct rollover to a new employer plan; lump sum withdrawal; or an IRA Rollover. Each of these approaches has pros and cons.
Stay focused on your future self.
Educational only. Not individualized financial advice.

11/18/2025

Before You Roll Over, Ask These 3 Questions
1What investment options will I gain or lose?
2What are the fees and costs in each plan?
3What protections or benefits (like loans or insurance) might I give up?

These questions help you make an informed, confident decision about your hard-earned retirement dollars.
Educational only. Not individualized financial advice.

11/15/2025

Before you move on, make sure your money moves with you!
When you separate from an employer, whether you’re retiring, changing careers, or being laid off, one of the most important steps is understanding what benefits you’re leaving behind.
1. Check your 401(k)/403(b) balances and vesting schedule.
2. Review employer-paid life or disability insurance — these often end when you do.
3. Ask HR for your final benefits statement to see what’s available.
It’s your money. Make sure it keeps working for you, not your former employer.
Schedule a quick call with me to review your rollover and protection options.

11/11/2025

Today we honor the courage and sacrifice of our veterans.
Thank you to all who have served and continue to serve. Your bravery inspires us every day.

11/11/2025

What Exactly Is a Rollover?
You've got options to simplify your 401(k) savings-keep funds funds in the former employer's plan; direct rollover to a new employer plan; lump sum withdrawal; or an IRA Rollover. Each of these approaches has pros and cons..
Unsure? Talk to a qualified financial professional before making any moves.
Educational only. Not individualized financial advice.

11/08/2025

Keep Your Retirement on Track
Changing jobs can disrupt your finances — but your retirement savings don’t have to suffer.
Review your accounts, consolidate if needed, and make sure your money continues working toward your goals.
Consistency is key to building long-term wealth.

11/05/2025

What Exactly Is a Rollover?
You've got options to simplify your 401(k) savings-keep funds funds in the former employer's plan; direct rollover to a new employer plan; lump sum withdrawal; or an IRA Rollover.
Each of these approaches has pros and cons.
Unsure? Talk to a qualified financial professional before making any moves.
Educational only. Not individualized financial advice.

11/04/2025

Leaving a Job? Don’t Leave Your Money Behind
When you change jobs, your 401(k) or 403(b) doesn’t automatically follow you.
Before you decide what to do, know your options:
•Leave it where it is
• Move it to your new employer’s plan (if available)
•Roll it into an IRA
•Cash out ( talk to your tax pro to understand the taxes and penalties first)
Each option has pros and cons, so it’s worth taking time to review which fits your long-term goals.
Educational only. Not individualized financial advice.

07/23/2025

Wealth looks like us!
It wears headwraps, natural curls, silver streaks, locs and red lipstick.
It speaks multiple languages, cares for aging parents, builds businesses, and shows up early to everything.
For far too long, financial services didn’t see us.
That’s changing.
These photos?
Are not just beautiful—it’s proof that wealth has many faces. And every one belongs in the room.
It's time for more women to see themselves as wealthy.

07/21/2025

Are you looking for a career that inspires and motivates you every day? I found one right here at New York Life as a financial professional. I work in a supportive environment that makes me feel both valued and empowered while helping clients secure their future. If you’d like to learn more about opportunities at New York Life, let me know. I’ll be happy to share my own story and introduce you to our management team.

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