Moishe Zirkind Financial Advisor with Eagle Strategies LLC

09/09/2026

Here’s something I've noticed about financial planning:

People sometimes spend more time researching a new phone than reviewing their finances.

And I understand why.

A new phone is fun.

Reviewing insurance, retirement accounts, beneficiaries and savings?

Slightly less exciting. 😄

But you don't necessarily need a 47-page financial plan to start asking good questions.

Where are we today?

What are we saving toward?

What are we protecting?

What have we been putting off?

What has changed since the last time we looked?

Sometimes 30 minutes of asking the right questions can help identify what deserves a closer look.

You don't have to solve everything at once.

You just have to know what needs your attention.

09/08/2026

“I’ll worry about retirement when I’m older.”

I understand why people feel that way.

Retirement at 25, 30 or even 40 can feel very far away.

There are bills today.

Kids today.

A mortgage today.

And about 900 other things competing for your money today.

But retirement planning doesn't have to mean figuring out your entire life decades in advance.

Sometimes it simply means asking:

Am I doing something today for the person I’ll be 20 or 30 years from now?

Your answer doesn't have to be perfect.

But it's a question worth asking.

09/07/2026

Quick question: Who is listed as the beneficiary on your accounts?

Easy question, right?

You might be surprised how many people have to think about it.

Life changes.

People get married.

Children are born.

People get divorced.

Jobs change.

Accounts get opened and then sit untouched for years.

Meanwhile, the beneficiary designation you filled out a long time ago may still be sitting there.

I'm not telling you who your beneficiaries should be.

I'm telling you it's probably worth knowing who they currently are.

That's a five-minute financial check that can be easy to overlook.

09/06/2026

“So… why is there $75,000 sitting in your checking account?”

I've had versions of this conversation more than once.

And usually the answer isn't:

“After carefully evaluating my financial strategy, I determined this was optimal.”

It's:

“Honestly? I just never did anything with it.”

And that's understandable.

Cash can serve an important purpose.

Bills, emergencies, upcoming purchases and short-term needs all matter.

But there's a difference between keeping cash for a reason and keeping cash because you haven't made a decision yet.

Sometimes financial planning starts with a very simple question:

What is this money actually for?

Once you know that, you can start thinking about where it belongs.

09/04/2026

You had another baby. Mazel Tov!

New stroller. ✓

Car seat. ✓

Diapers. Lots of diapers. ✓

Life insurance review?

“Yeah… I have to get to that.”

😄

Having a child can change a lot more than your sleep schedule.

Your expenses may change.

Your goals may change.

Your responsibilities definitely change.

And the financial decisions you made when it was just the two of you may deserve another look.

You don't necessarily need to change anything.

But major life events are a pretty good reminder to review what you already have.

09/03/2026

“I’m good. I have disability insurance through work.”

Great.

My next question is usually:

“Do you know what it actually covers?”

That’s often where the conversation gets quiet.

And I get it.

Most of us don't spend Saturday night reading our employee benefits booklet.

But if your family depends on your income, it may be worth understanding things like:

How much of your income could be covered?

How long could benefits last?

What are the limitations?

Would changing jobs affect your coverage?

Employer-provided benefits can be valuable.

The point isn't to assume they're inadequate.

The point is to actually know what you have.

09/02/2026

You know that financial thing you’ve been meaning to take care of for the last 6 months?

Yeah, that one.

Maybe it’s finally reviewing your life insurance.

Increasing coverage since having another child.

Actually looking at your retirement accounts.

Getting your estate documents organized.

Or figuring out what to do with cash that’s been sitting around.

We’re all busy.

And financial planning has an interesting problem:

The important stuff rarely screams for your attention.

The broken washing machine does.

The dentist appointment does.

The 47 unread WhatsApps definitely do.

Your financial plan?

It quietly waits.

So here’s my question:

What’s the one financial thing you keep saying, “I really need to take care of that”?

Maybe this is the week you finally do.

08/07/2026

You're still building toward your earning peak. That's what makes protecting your income now—before a disability event caused by a sickness or injury impacts your ability to work—an important financial consideration you can make at this stage in your career.
Let's connect and talk about protecting what matters most.

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.

08/07/2026

The irony for many high earners isn't that they've ignored their finances—it's that they've been meticulous about everything except the source.
The investments are diversified. The estate plan is drafted. The insurance covers the house, the car, the valuables. But if their income stopped because of a covered disability event, how long would any of it hold?
That's the question many financial plans do not ask. It's worth finding out whether yours has an answer.
Schedule a quick income protection review to see where your plan stands.

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.

08/07/2026

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.