Howard L Ottey With New York Life

09/09/2026

Your biggest financial asset might not be what you own today—it might be your ability to earn an income.
The raises, promotions, and career growth ahead of you may be worth far more than your current savings. Yet many people don't think about protecting that income until a sickness or injury causes a covered disability that keeps them from working.
Protect what powers your financial future.
Let’s connect and talk about protecting what matters most.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

08/24/2026

A business partnership without a plan can get messy fast. Just ask the famous couple who once bought a home and winery together… then split up, skipped the paperwork, and watched the whole thing spiral into a legal tug-of-war. One even ended up sharing his personal residence with a stranger tied to the sale. Not exactly the happily-ever-after they expected.
All of it could have been avoided with a simple buy-sell agreement to lay out what happens if an owner leaves – through death, divorce, disability, retirement, or simply wanting out – so the business keeps running smoothly and everyone knows their rights. Watch this video to learn more about how a buy-sell agreement works, and then let’s make sure your business interests are protected.

In this brief video, you will explore the crucial importance of buy-sell agreements for your business. These agreements are like insurance policies for your company, ensuring its stability and protecting the interests of co-owners. Don't wait until it's too late – watch now to secure your business...

05/27/2025

Rules for Required Minimum Distributions (RMDs) just got friendlier. Based on new changes to SECURE 2.0 Act some clients can now use annuity income to offset other RMDs distributions from other non-annuitized qualified retirement accounts. New York Life is here to help make annuity conversations easier. Let’s connect to see if this strategy makes sense for you.

03/28/2025

Want to prepay your life insurance premiums while reducing your out-of-pocket costs? For a limited time, New York Life is offering a 10% first year interest rate and 5% for subsequent years on the Premium Deposit Account (PDA) to fund premiums for select life insurance products. Speak to me today to learn more.

03/25/2025

Looking for a way to prepay your life insurance premiums while reducing your out-of-pocket costs? Lock in a 12% interest rate for the first year and 5% for subsequent years on a Premium Deposit Account for select whole life insurance products. Speak to me today to learn more. https://nyl.co/4ldYlVw

03/21/2025

Looking for a way to prepay your life insurance premiums while reducing your out-of-pocket costs? Lock in a 12% interest rate for the first year and 5% for subsequent years on a Premium Deposit Account for select whole life insurance products. Speak to me today to learn more. https://nyl.co/41KxdVc

01/21/2025

Want to keep more of your hard-earned wealth in your family's hands? Jeff Chadwick, JD, reveals the power of intentionally defective irrevocable trusts in this article and how IDITs can be part of an effective strategy to reduce your taxes and help ensure your wealth is secured for future generations. Learn more about the nuanced world of transfer and estate taxes, and then let’s start planning to protect your assets.
https://bit.ly/40oGfX6

01/20/2025

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.

12/31/2024

Wishing you a very happy New Year!

12/25/2024

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