Courtney Ruiz, agent, with Veritas Financial Strategies, LLC

03/24/2026

Recent data shows that the estimated total savings needed to retire at 65 can differ by as much as $1.46 million depending on where you live. Here’s a look the minimum amount of savings needed to retire at 65 in each state.

The estimated savings needed to retire at 65 varies by nearly $1.5 million from state to state, driven largely by differences in housing costs.

03/22/2026

What do you do if your biggest financial threat is simply having too much of a good thing — money?

03/22/2026

The Great Wealth Transfer often arrives as a house, not cash, leaving many heirs with maintenance, mismatch, and downsizing costs before inheritance, which can become overwhelming.

The Great Wealth Transfer often arrives as a house, not cash, leaving many heirs with maintenance, mismatch, and downsizing costs before inheritance becomes wealth.

03/22/2026

Millennials are shifting toward new paths in business ownership, exploring opportunities that offer independence and leadership. Learn more about this trend.

Buying an existing business and stepping into its leadership has become a popular way to get a foot in the door to ownership.

03/20/2026

Around 1 in 7 Americans hope to buy a home soon and some anticipate using AI in the process, NerdWallet's annual home buyer survey finds.

Around 1 in 7 Americans hope to buy a home soon and many plan to use AI in the process, NerdWallet’s annual home buyer survey finds.

03/19/2026

There are strategies for obtaining the lowest possible mortgage rates, such as buying down your rate. Learn how to get the lowest rates in the 2026 market.

03/18/2026

Gen X faces rising costs, debt and family obligations. Discover the major obstacles to retirement readiness — and strategies to help overcome them

Gen X faces rising costs, debt and family obligations. Discover the major obstacles to retirement readiness — and how to overcome them.

03/17/2026

A provision that made student-loan forgiveness tax-free is expiring in 2026. It could put borrowers on the hook for thousands of dollars in taxes.

03/16/2026

While most parents dream of stability for their children, for some it's an all-in quest for generational riches, pushing boundaries and taking extreme measures to build a legacy.

You don't have to go to these extremes, but you do have to make sacrifices to save.

03/15/2026

Could there be a link between social connection and extended, healthy lives? Read to learn more.

Longevity is a team sport, according to author Ken Stern. Here's the secret sauce for living long, healthy lives from countries such as Italy and Japan.

03/12/2026

I'm excited to share the New York Life Golden Futures Awards and Scholarships are now open - helping young dreamers turn passion into possibility. Kids ages 5-16 can apply for $1,000 awards, and high school juniors and seniors can complete financial education modules for a chance to win up to $20,000 scholarships. Contact me to apply!