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Monday 7am - 9pm Tuesday 7am - 9pm Wednesday 7am - 8pm Thursday 7am - 6pm Friday 7am - 6pm Saturday 11am - 9pm Sunday 11am - 2pm

Umang K. Shah, Agent with Umang Financial Strategies, LLC

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Mountain Lakes, NJ
Umang K. Shah, Agent with Umang Financial Strategies, LLC

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Providing quality financial strategies, and offering insurance and financial services, and employee benefits to businesses and individuals

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. Please contact me to help you fully analyze your needs and recommend appropriate solutions. I am an Agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies. Additionally, I am a Registered Representative of and offer securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC), A Licensed Insurance Agency and a New York Life Company. Neither Umang Financial Strategies LLC, nor New York Life Insurance Company, or its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. Umang Financial Strategies LLC is not owned or operated by New York Life Insurance Company or its affiliates. I am not licensed in all jurisdictions. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success.

285 Fulton Street 39th floor
New York, NY 10007
(212)-261-0200

CA License # 4484415

11/02/2026

Starting in 2027, a new federal program may add up to $1,000 a year to eligible savers' retirement accounts. Swipe to see who may qualify and how it's claimed. 👉

Based on IRS Notice 2026-48; guidance may change. Eligibility depends on income and other requirements. Educational only; not tax, legal, or accounting advice.

Umang K. Shah is an agent licensed to sell insurance through New York Life Insurance Company and a Financial Services Professional of and offers securities products & services through NYLIFE Securities LLC (Member FINRA/SIPC). Not licensed in all jurisdictions. Umang Financial Strategies, LLC is not owned or operated by New York Life Insurance Company or its affiliates.

11/02/2026

It's Long-Term Care Awareness Month. Do you know if you're prepared to handle the financial burden of long-term care? Check out the latest Survey from New York Life

Use New York Life's tool to access long term care insurance cost information by state and region. Learn more about long term care costs and what they include.

11/01/2026

26 years ago, my dad started his financial practice with one simple belief.

Take care of every family the way you would take care of your own.

For many first-generation Americans, building a life here meant starting over. New opportunities, new responsibilities, and sometimes being thousands of miles away from the people they loved.

My dad understood something early on. Financial planning was never just about money.

It was about protecting a spouse who depends on you. Making sure children have opportunities you may not have had. Helping parents as they grow older. And preparing families for life’s unexpected changes.

Growing up, I watched my dad build relationships that went far beyond a policy or a financial transaction.

Clients became familiar faces. Conversations became friendships. And over time, trust became the foundation of our practice.

Today, I have the privilege of working alongside him and carrying that same philosophy forward.

Two generations. 26 years. One promise.

We don’t just want to be there when someone needs financial guidance. We want to build relationships that last through different stages of life.

Because behind every financial decision is a person, a family, and a story worth understanding.

If you’re building your future, protecting your family, or simply figuring out your next chapter, my door is always open.

Coffee is on me. ☕

https://nyl.co/4ySiZzW

10/31/2026

If giving back is part of your financial goals, there may be ways to incorporate charitable giving into your retirement income strategy. Certain approaches involving IRA assets may help support causes you care about while also addressing RMD obligations.

Let's discuss whether charitable giving opportunities could benefit both you and the organizations you support.

10/30/2026

Your old 401(k), thrift savings plan, or pension may still be sitting at your last employer.

That money doesn't disappear when you leave. It stays invested the way it was set up, even if your goals have changed since then.

You generally have four choices:

1. Leave it where it is, if the plan allows
2. Move it to your new employer's plan, if accepted
3. Move it to an IRA
4. Cash it out, which may mean taxes and, depending on your age, penalties

Each choice has different investment options, fees, and tax rules, and no single choice is right for everyone. What matters is choosing on purpose, not by default.

Swipe for the questions worth asking about your old plan. If you'd like to talk through your options, send me a message or use the link in my bio.

Agent licensed to sell insurance through New York Life Insurance Company. Financial Services Professional of and offers securities products & services through NYLIFE Securities LLC (Member FINRA/SIPC). Not licensed in all jurisdictions. Neither Umang Financial Strategies, LLC nor New York Life Insurance Company or its agents provide tax, legal, or accounting advice. Consult your own professionals.

10/29/2026

Couples with a significant age difference may face different retirement timelines, health coverage needs, and potential long-term care costs.

AARP explains how planning for long-term care alongside Social Security, taxes, and retirement assets can help protect the younger spouse's financial future. Thinking through how care could be funded is one part of building a retirement plan for both partners.

Learn more: https://bit.ly/4jOfDdE

10/29/2026

Where your retirement savings are held can influence how your income is taxed in retirement. Different account types can provide different tax treatment and may create opportunities for greater flexibility over time.

Coordinating withdrawals across accounts may help support a more efficient retirement income strategy. Let's discuss whether your assets are positioned to support your long-term goals.

10/29/2026

When a loved one may need residential long-term care, knowing what to look for can make a difficult decision more manageable.

AARP highlights practical considerations, including touring more than once, reviewing inspection reports, understanding costs and coverage, asking about staffing, and evaluating daily activities. Planning before a crisis can give families more time to compare options and involve the person who may receive care.

Learn more from AARP: https://bit.ly/4iftuqE

10/28/2026

When people think about IRA withdrawals, taxes are often the first consideration. However, retirement distributions can sometimes affect other areas of your financial picture as well, including Social Security taxation, Medicare premiums, and overall retirement income flexibility.

Understanding these potential ripple effects can help support more informed retirement decisions. Let's discuss how IRA withdrawal strategies could affect your retirement income plan and identify opportunities that may improve long-term outcomes.

10/27/2026

Looking for a little more certainty with your money?
Check out this guaranteed interest rate.
Contact me today!

Address

Parsippany
Mountain Lakes, NJ
07950

Opening Hours

Monday	7am - 9pm
Tuesday	7am - 9pm
Wednesday	7am - 8pm
Thursday	7am - 6pm
Friday	7am - 6pm
Saturday	11am - 9pm
Sunday	11am - 2pm

Website

https://www.newyorklife.com/

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