Reed Ganey, Regional Vice President, Equitable Advisors

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This weekend we celebrated our son's first birthday with a football-themed party and the perfect reminder that life's bi...
09/09/2026

This weekend we celebrated our son's first birthday with a football-themed party and the perfect reminder that life's biggest victories happen one yard at a time.

In football, nobody expects to score a touchdown on every play. Success comes from consistently moving the ball forward.

Financial planning is no different.

Whether you're building wealth, preparing for retirement, funding a child's education, or creating a legacy, progress comes from stacking small wins over time.

A first down may not seem like much in the moment, but enough first downs can take you all the way to the end zone.

Here's to celebrating milestones, enjoying the journey, and having a plan for what's ahead.

We're excited to announce the launch of our Future Financial Advisor Fellowship this Fall.This 6 week virtual fellowship...
08/07/2026

We're excited to announce the launch of our Future Financial Advisor Fellowship this Fall.

This 6 week virtual fellowship was created for ambitious college sophomores, juniors, and seniors who are interested in exploring a career in wealth management, financial planning, and client service.

As our industry continues to evolve, one thing remains clear: the future of financial planning depends on developing the next generation of advisors.

Participants will have the opportunity to:

✅ Learn directly from financial advisors within our firm

✅ Explore financial planning, investments, and client relationship management

✅ Participate in case studies and interactive discussions

✅ Receive mentorship and career guidance

✅ Build relationships with peers who share an interest in the profession

Our goal is simple: help students gain meaningful exposure to a profession that has the power to make a lasting impact on individuals, families, and communities.

If you're interested in joining the fall cohort, send me a DM!

I share a lot about markets, tax strategy, and retirement math.But here’s what all of it is really for:The trip. The doc...
07/27/2026

I share a lot about markets, tax strategy, and retirement math.

But here’s what all of it is really for:
The trip. The dock. The ordinary afternoon you’ll want to remember.

The families we work with don’t come to us because they want to watch a number climb on a screen.

They come because they want the freedom to:
travel without guilt, unplug without worry, and be fully present with the people they love.

A few reminders for anyone rethinking what their money is for:
Memories are a line item too. A good plan funds retirement decades from now and the family moments happening today.
“Enough” is a real goal. Growth matters, but so does the security that allows you to step away and actually enjoy life.
Time is the one asset you can’t buy back. Kids are only this age once. A strong financial plan helps protect your ability to show up for it.

If your money isn’t buying you more freedom and more presence, it may be time to revisit the plan behind it.

Wrapping up a great Father's Day weekend... and honestly, this weekend got me thinking.Being a dad changes how you look ...
06/23/2026

Wrapping up a great Father's Day weekend... and honestly, this weekend got me thinking.

Being a dad changes how you look at money. It stops being about you and starts being about the people who are counting on you — whether they know it yet or not.

So if you're a father (or about to be one), here's the stuff I think is worth getting right:

Make sure you actually have enough life insurance. Not the tiny policy through work — enough that if you weren't here tomorrow, your family wouldn't have to change their entire life to get by.

Get a will done. I know, nobody wants to think about it. But naming a guardian for your kids and putting your wishes in writing is one of the most loving things you can do. Don't leave it to chance.

Build the emergency fund before you build anything fancy. Six months of expenses sitting in the bank turns a crisis into an inconvenience.

Keep investing for retirement, even when it feels like there's a million other places that money could go. Future you is also part of the family.

Start putting something away for the kids' future — college, a first car, whatever it ends up being. Even a little, started early, adds up more than you'd think.

And know where your money is actually going. A simple budget and a plan to knock out high-interest debt does more for your family's peace of mind than any single investment.

None of this is flashy. But that's kind of the point. The real work of providing happens quietly, in decisions nobody sees, years before the payoff.

To all the dads out there — hope you had a good one.

This is what financial planning is really about.My wife and I snapped this photo in Hawaii recently—but this post isn't ...
05/21/2026

This is what financial planning is really about.

My wife and I snapped this photo in Hawaii recently—but this post isn't about our vacation.

It's about yours.

It's about the client who told me she finally booked the trip she'd been putting off for years—because she finally felt confident she could afford it.

It's about the couple who took their kids to Europe last summer without a single money argument, because they knew exactly where every dollar was going.

It's about the retiree who sent a picture from the Pyramids in Egypt..

That's the work.

Not just spreadsheets and projections. Not just investment strategies and portfolio allocations.

The real work is helping people build lives where they can be fully present—whether that's a Tuesday at home or a week in paradise.

Because what's the point of accumulating wealth if you never feel wealthy?

If you've been putting off something that matters to you—a trip, a milestone, a moment—let's talk about building a plan that makes it possible.

Your "someday" deserves a date on the calendar.

05/15/2026

Are you afraid to spend the money you worked so hard to save?

We see it more often than you'd think:

Retirees who saved diligently for 40 years... now terrified to touch their nest egg.

They skip the trip. They say no to dinner with friends. They keep the old car another year — just to be safe.

The irony? Many of them could comfortably afford these things. But the fear of running out keeps them living like they can't.

This is called "underspending" — and it's a real problem.

You didn't save for 30+ years to spend your golden years anxious about every purchase.

The goal of a good retirement plan isn't just to make your money last. It's to give you *permission* to enjoy it — with confidence.

A few things that help:
• A clear spending plan (not just a savings number)
• Stress-testing your portfolio for different scenarios
• Regular check-ins to adjust as life changes

05/14/2026

What happens if your money runs out in retirement?

It's the question no one wants to ask — but everyone should.

Running out of money in retirement isn't just a financial problem. It's a lifestyle problem. A dignity problem. A family problem.

The scary part? Most people don't know they're on this path until it's too late.

The good news? With the right planning, this doesn't have to be your story.

A few questions worth asking yourself today:
• Do I know my actual retirement "number"?
• Am I accounting for healthcare costs and inflation?
• What's my plan if I live to 95?

Retirement should be about freedom — not fear.

If you're unsure where you stand, let's talk. A conversation today could change your tomorrow

05/12/2026

For decades, you've focused on growing your nest egg. Maximize contributions. Choose the right investments. Watch the balance grow.

THE DISTRIBUTION REALITY:
In retirement, the game changes completely. Now you need to:
- Turn savings into reliable income
- Make it last 25-30+ years
- Keep up with inflation
- Manage taxes efficiently
- Handle healthcare costs
- Plan for the unexpected

THE RETIREMENT INCOME PLAN:

1. INCOME FLOOR
Guaranteed income to cover essential expenses:
- Social Security (optimized timing)
- Pensions
- Annuities (if appropriate)
When basic needs are covered by guaranteed income, market volatility becomes much less stressful.

2. GROWTH PORTFOLIO
Invested assets for discretionary spending and legacy:
- Appropriate asset allocation
- Systematic withdrawal strategy
- Flexibility bucket for bear markets

3. TAX EFFICIENCY
The order you tap accounts matters enormously:
- Taxable accounts first? Roth last?
- Or strategic Roth conversions early?
- Managing tax brackets year by year

4. CONTINGENCIES
- Healthcare cost reserves
- Long-term care strategy
- Emergency fund (yes, even in retirement)
- Estate planning integration

THE COORDINATION CHALLENGE:
Each piece affects the others. Social Security timing impacts your tax strategy. Roth conversions affect your Medicare premiums. Withdrawal rates change your portfolio allocation needs.

This is why DIY retirement planning is so risky. It's not about any single decision—it's about how all the decisions work together.

Do you have a retirement income plan, or just a retirement portfolio?

Equitable Advisors and its associates do not provide tax or legal advice and the information provided is general in nature and should not be considered legal or tax advice. Please consult with an attorney, tax professional, or other advisor regarding your specific legal or tax situation.

05/07/2026

Last month, we sat down with Margaret, a 58-year-old teacher with 32 years in the state pension system.

She came to us with a simple question: "When can I afford to retire?"

What she didn't realize was that her pension came with options she'd never fully explored.

HERE'S WHAT WE DISCOVERED:

Her pension offered a "DROP" program (Deferred Retirement Option Plan) that she qualified for but didn't know existed. By strategically timing her entry into this program, she could:

- Continue working and earning her salary
- Have her pension payments deposited into a separate account at the State
- Earn interest on that growing balance
- Exit with a lump sum PLUS her full monthly pension

After running the numbers across multiple scenarios:

SCENARIO A (Retire now): $4,200/month pension
SCENARIO B (Work 3 more years without DROP): $4,800/month pension
SCENARIO C (Work 3 more years WITH DROP): $4,400/month pension PLUS $340,000 lump sum

Same retirement date. But $340,000 difference in outcome.

This is exactly why we do what we do. The details matter. The expertise matters. And having someone in your corner who understands these complex systems? That's priceless.

The parallels between financial planning and the Island Green at TPC Sawgrass...Standing here with my son at one of golf...
04/16/2026

The parallels between financial planning and the Island Green at TPC Sawgrass...

Standing here with my son at one of golf's most famous holes, I couldn't help but think about the parallels between this shot and financial planning.

The 17th at Sawgrass is intimidating. There's water everywhere, the wind is unpredictable, and there's no margin for error. Many golfers let fear take over—they either play too conservatively and come up short, or swing recklessly and end up in the water.

Sound familiar?

That's exactly how many people approach their finances:
• Too conservative → missing growth opportunities
• Too aggressive → unnecessary risk that derails their goals

The pros who conquer this hole? They have a PLAN. They know the conditions, they trust their preparation, and they commit to the shot.

That's what smart financial planning looks like:
✅ Understanding your unique situation
✅ Building a strategy you can trust
✅ Staying committed through market "wind gusts"

What shot are you trying to make? Let's talk about building your game plan. ⛳

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