Tracy Y. Chen, Financial Services Professional with Nylife Securities LLC

03/26/2026

“Poisoned” artificial intelligence can give untrustworthy advice about finance, health and lots more. Here’s how you may be able to fend off the growing threat.

“Poisoned” artificial intelligence can give untrustworthy advice about finance, health and lots more. Here’s how to fend off the growing threat.

03/25/2026

What is life insurance planning for the “merely well-to-do”? Learn more about this largely overlooked group.

It’s about visualization and optionality.

03/24/2026

A recent Kiplinger article cites cumulative Medicare Advantage payments could exceed traditional Medicare benchmarks by approximately $1.2 trillion through 2036, Policymakers continue to debate these payment levels, and future regulatory changes could affect plan premiums costs and coverage.

With private insurers set to receive $1.2 trillion in excess payments by 2036, retirees may soon face a reckoning over costs and coverage.

12/13/2025

If you’ve built a successful business or family legacy, chances are your financial life doesn’t fit neatly in one folder. A revocable living trust can help bring structure and peace of mind to that complexity. Unlike a will, a living trust goes into effect while you’re still alive and can keep your estate private, simplify transitions, and avoid costly probate delays. It’s not a one-size-fits-all solution, but for many families, it’s a smart way to make sure their wealth — and their wishes — are handled smoothly. Read this article that breaks down the advantages, drawbacks, and misconceptions around living trusts in clear, practical terms and provides other important disclosures, and if you want to explore how this might fit your plan, I’ll be happy to help you think through what makes the most sense for your situation.
https://bit.ly/4iYLRAj

12/12/2025

Today’s wealthy seniors are likely to die with far more assets than they’ll ever need, but the ever-increasing costs of higher education, homeownership, and health care, coupled with overall increased spending, decreased saving, and greater longevity, could result in scant wealth remaining to leave a legacy for their children and grandchildren. Read this article to learn how customizable permanent insurance can be used for leverage, guarantees, and generational wealth planning simplicity. Then, let’s talk about how we can strengthen your family’s long-term financial security. All guarantees are based on the claims paying ability of the issuing company. The primary purpose of life insurance is death benefit protection. https://bit.ly/497JzeI

12/11/2025

Smart planning and strategic management of distributions from your own or inherited retirement accounts can boost their value and better align them with your estate and business goals. Curious how? This article describes best practices such as working with top financial professionals, exploring stretch IRAs, and integrating accounts into trusts to optimize wealth transfer and minimize estate taxes. When you’re ready to learn more rules of the road, let’s look at how these strategies can secure your retirement and protect your legacy for generations to come. https://bit.ly/4a5h3vj

12/06/2025

Wealth transfer is about more than passing on assets. It’s about preparing the next generation to manage them wisely.
With the largest transfer of wealth in history underway, families who plan early and communicate openly are better positioned to preserve both their assets and their intentions. This article explores how proactive planning and next-generation engagement can help sustain your family’s financial legacy for years to come.

Read the article: https://bit.ly/4iPQdK4

10/22/2025

Who do you consider to be the assist behind your success? Through New York Life’s partnership with U.S. Soccer, fans can share their answers for a chance to win a VIP trip for two to a U.S. Soccer match! Enter the Behind the Assist Sweepstakes at the link below, see official rules for complete details.
https://bit.ly/47kgjiG

10/21/2025

Happy Diwali! Wishing you a season filled with laughter, love, and cherished moments with family and friends. Connect with me to help protect and nurture those moments that mean the most.

10/16/2025

Merry Christmas! May this season be full of light and laughter for you and your family.

10/15/2025

As the year winds down, it’s the perfect time to reflect on your financial goals, review your progress, and set a strong foundation for the year ahead. Whether it’s budgeting, retirement planning, or investment strategy—an end-of-year check-in can make all the difference.
Let’s make sure you’re on track.
Reach out to me and I can help.