Ruth Cárdenas, Licensed Agent with New York Life Insurance Company

03/17/2026

Business owners like Evan can find themselves in a challenging position when a star employee resigns. Watch Evan’s story to learn how executive bonus arrangements can be essential for the ongoing success and stability of any business.

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03/16/2026

Jack wanted to reduce estate taxes, ensure his life insurance proceeds would be used wisely, and protect his assets for future generations. Jack learned that by establishing an irrevocable life insurance trust, he could address all these worries effectively. Watch Jack's story to see how an ILIT reduced his taxable estate, minimized his tax liabilities, and maximized the inheritance for his loved ones. To discover how an ILIT can benefit you and your family, reach out today and let us help you secure your legacy for future generations.

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03/15/2026

Have you thought about how your retirement assets might impact your heirs once you're gone? In this story, Elizabeth worked hard to build significant retirement savings. But when it came time to pass those assets to her daughter, Maggie, taxes took a big bite out of the inheritance. I can show you an approach that allows you to maximize the value of your assets for your heirs while maintaining access to funds if needed, often by smartly utilizing life insurance and optimizing distributions.

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03/14/2026

Today we honor the wisdom and contributions of our senior citizens. If you're thinking about how to feel more secure in retirement, let’s talk about building a financial strategy that supports your goals and peace of mind.

03/13/2026

Every hug, every milestone, every promise kept — love shows up in the moments that matter most. Because, as this video shows, love is not something you just say – it’s something you do. I’m here to help you protect the ones you love. Reach out to me to start the conversation.

03/12/2026

I’m excited to have earned New York Life’s Executive distinction! Council is an annual recognition program awarded for agent production between July 1 - June 30. I’m grateful for this honor and the chance to continue supporting my clients’ goals.

03/11/2026

Home is where your favorite stories unfold — where laughter echoes and love grows stronger each day.
Protecting what matters most starts with understanding what makes your house a home.
Let’s make sure your family’s story keeps moving forward, no matter what life brings.
Reach out today to start the conversation.

03/10/2026

If you own a business, your estate plan has to do more than list who gets what. It needs to protect the company you’ve built, keep operations running smoothly if something happens to you, and give your family clarity instead of chaos. This article describes how the right trust can support privacy, continuity, and long-term planning for business owners. If you would like to explore how a trust can support your succession goals or safeguard your business for the future, let’s get together and walk through your options.

03/08/2026

People aged 70½ or older now have a way to support the causes they love while also creating a reliable stream of lifetime income, thanks to recent law changes that allow a once-in-a-lifetime transfer directly from an IRA to fund a charitable gift annuity or charitable remainder trust. When structured correctly, this transfer can be excluded from taxable income, and for those 73 or older, it may even count toward required minimum distributions. Read more about this strategy and then let’s explore whether this fits into your retirement or giving plans.

03/07/2026

College tuition fees can seem prohibitive, but don't let advertised prices stop you from applying. Your real focus should be comparing net costs after grants and scholarships.

03/06/2026

Families earning the median household income chuck 10% or more of their paychecks toward employer-sponsored health coverage in 19 states — especially in the southern US.

Families earning the median household income chuck 10% or more of their paychecks toward employer-sponsored health coverage in 19 states, a new analysis found.

03/05/2026

More homeowners now hold mortgages near today’s rates, which could weaken the lock-in effect and bring more homes to market in 2026.

As mortgage rates stabilize and fewer owners hold ultra-low loans, the lock-in effect may be losing its grip.