Igor Fernandes, Agent with New York life

08/28/2026

Your mortgage, your car, your kids' school—these obligations continue to exist whether you continue to work on your business or become disabled.
And when your income as an owner is interrupted, your household feels it first.
Many business owners have a plan for the business. Fewer have thought through what happens at home if a qualifying sickness or injury prevents them from working and earning an income.
I help business owners protect what matters most with the right disability coverage. Let's connect.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

08/27/2026

The "Serena Williams rule" is all about giving yourself options, rather than forcing yourself into a black-and-white retirement.

Rather than formally retire, Serena Williams sought an "evolution."

08/25/2026

Most business owners have a plan for what happens when equipment fails or inventory runs short. Few have a plan for what happens when they can't earn an income.
The clients, the revenue, the decisions that keep everything moving—none of it runs without you. Losing your income is an exposure many balance sheets never account for.
I help business owners protect what matters most with the right disability coverage. Let's connect.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

08/22/2026

Your equipment, your inventory, your property are all reflected on your balance sheet.
But one thing might not be: you.
Yet the revenue you help generate, your client relationships, your business decisions—they all require you to run.
Most business owners have insured almost everything their business owns. Few have protected the asset they depend on.
I help business owners protect what matters most with the right disability coverage. Let's connect.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

08/21/2026

The Federal Reserve has remained cautious about interest rates as inflation concerns have heightened, leading to uncertainity about the state of the US economy.

Federal Reserve officials have sent mixed signals on the path of interest rates as inflation concerns have intensified, fueling uncertainty about the outlook for the US economy.

08/21/2026

Estate tax and inheritance tax are both often referred to as "death taxes," but they aren’t the same when it comes down to who pays.

08/20/2026

The FIRE movement has evolved beyond early retirement. Learn how Coast FIRE, Barista FIRE and financial flexibility are reshaping retirement planning.

Early retirement isn't the only goal anymore. Here's how today's FIRE movement is shifting toward financial flexibility and making work optional.

08/19/2026

For some people, the appeal of retiring abroad lies in the ability to live well for less than it would cost in the U.S. Adventure, lower costs, potentially lower healthcare costs and a richer life can all be yours overseas — but you have to nail the practical details first.

Adventure, lower costs, affordable healthcare and a richer life can all be yours overseas — but you have to nail the practical details first.

08/10/2026

06/15/2026

BOA SORTE,CABO VERDE❤️❤️🇨🇻⚽️
GOOD LUCK, CAPE VERDE❤️❤️🇨🇻⚽️