Lena Hotoyan

Lena Hotoyan Please contact me to help you fully analyze your needs and recommend appropriate solutions. My California Insurance license number is

I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies.

04/02/2024
These 10 financial habits can hurt your retirement savings and cause you to fall short of your retirement goals.
01/22/2024

These 10 financial habits can hurt your retirement savings and cause you to fall short of your retirement goals.

Today’s financial climate is making retirement planning more crucial than ever. As talk of inflation, rising interest rates, and a possible recession hit the news, would-be retirees or retirement planners...

This year, roughly one third of all people receiving holiday gifts will be returning items. While having life insurance ...
01/21/2024

This year, roughly one third of all people receiving holiday gifts will be returning items. While having life insurance is important, having the option to change your policy makes it easier to get what you want. Learn more about how convertible life insurance gives you the opportunity to update term coverage to permanent, and reach out if you want to discuss your options.

The option to convert a term policy to whole can be very valuable. Learn from New York Life about the opportunity that convertible term life insurance provides.

J.P. Morgan’s David Li shares the importance of financial education and why it’s important to teach children the concept...
01/20/2024

J.P. Morgan’s David Li shares the importance of financial education and why it’s important to teach children the concepts of delayed gratification, saving, and being thoughtful about sharing with loved ones.

Saving money was a lesson J.P. Morgan’s David Li learned from his parents while growing up in Cambridge, Mass. "I came from very humble beginnings," said Li who immigr...

Keeping adult children in the loop about your money and finances is very important. You never know what might happen, an...
01/19/2024

Keeping adult children in the loop about your money and finances is very important.
You never know what might happen, and it's good for them to know if you can't manage it all yourself. This informative article highlights 12 things you should — and shouldn’t — tell your adult kids about your finances.
https://bit.ly/3O9AXcQ

Learn how these three financial literacy lessons could help you build savings.
01/18/2024

Learn how these three financial literacy lessons could help you build savings.

I earned a bachelor’s degree in psychology. There has been only one concept that I ironically remember: Your brain is not meant for storage. It’s meant for processing.

The Social Security overpayment problem worsened in October, now standing at $23 billion. Here’s how the Social Security...
01/17/2024

The Social Security overpayment problem worsened in October, now standing at $23 billion. Here’s how the Social Security Administration will try to recoup the overpayment.

The Social Security Administration will now have to try and recoup $23 billion in overpayments.

The top four resolutions for people in the U.S. heading into 2024 are saving for a rainy-day fund, retirement, their kid...
01/16/2024

The top four resolutions for people in the U.S. heading into 2024 are saving for a rainy-day fund, retirement, their kids’ education and a big purchase, according to a survey by the USA TODAY Blueprint. Learn what else the findings revealed.

Americans report fiscal optimism and plans to save cash in 2024.

Today we honor the legacy of Dr. Martin Luther King, Jr. Together, let's reflect on his inspiring words and continue wor...
01/15/2024

Today we honor the legacy of Dr. Martin Luther King, Jr. Together, let's reflect on his inspiring words and continue working toward a world of equality, justice, and unity.

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