Rui Chen, Agent with New York Life

01/30/2026

A provision that made student-loan forgiveness tax-free is expiring in 2026. It could put borrowers on the hook for thousands of dollars in taxes.

01/29/2026

If the thought of tax season coming and possibly undergoing an IRS audit fills you with anxiety, you’re not alone. The fact is that audit anxiety is real. Here’s how you can help lessen the stress.

Tax audit anxiety can feel like a wild beast. Here’s how you can help tame it.

01/28/2026

There are strategies for obtaining the lowest possible mortgage rates, such as buying down your rate. Learn how to get the lowest rates in the 2026 market.

01/06/2026

💢NEW YEAR'S GIFT FROM NEW YORK LIFE!💢

At the start of the new year, New York Life is offering a truly valuable gift to the public – the drafting and storage of important life planning legal documents – completely free of charge!

Life events like birth, diseases and death impact every member of the family. To ensure that an individual's wishes, dignity are recognized and their well-being are maximized during significant life changes, we often need to draft and notarize certain legal documents in advance, such as Wills, Advance Healthcare Directives, Power of Attorney, and Funeral Directives. Typically, people need to hire a lawyer to draft these documents and arrange for their storage.

New York Life's LifePlan initiative is a digital planning tool that guides individuals and families through the key steps of advance planning, giving you a clear understanding and control of your future. Through "LifePlan," users can create their legal documents online in a completely private environment. All legal documents are drafted by experienced lawyers; clients simply need to enter their personal information, print the documents, have them notarized if necessary (requirements vary depending on the document type and location, with notarization fees typically around $5 per signature in most areas), and then upload them to New York Life's secure storage platform. All personal information is protected by New York Life's confidentiality commitment. We can also share the documents with specific individuals at the appropriate time, according to your instructions. You can modify the documents online at any time. For families or individuals with very complex estate structures that our standardized documents cannot fully address, we can recommend relevant legal professionals based on your needs.

Regardless of your wealth level or health status, a well-prepared set of planning documents helps ensure that your family relationships and finances are handled properly during your lifetime, during periods of incapacity, and after your death. Everyone deserves the opportunity to have their wishes, their dignity and their welfare be well recognized.

12/09/2025

Don’t Miss the Deadline: Gifting, RMDs & Other Year-End Moves to Consider

This Thursday, Dec 11, 3-4pm, New York Life invites you to a timely year-end seminar led by one of the most trusted voices in insurance and retirement planning. Join industry expert Greg Holmgren, CFP, CLU, ChFC, CAP, for Don’t Miss the Deadline: Gifting, RMDs & Other Year-End Moves to Consider — a focused conversation designed to help you make confident financial decisions as the year comes to a finish.

With over 40 years of experience, Greg will cover what you need to know about the short and long-term impact of the upcoming tax changes. He will discuss one of the largest tax decisions many make – when to take distributions from their retirement plans. He will compare waiting as long as possible using Required Minimum Distributions (RMDs) versus taking distributions earlier. Walk away with practical tips to help you make informed decisions to close out the year and plan ahead with confidence.

Register to attend: https://webinars.on24.com/NYL/yearend
Registration code: [268146]

Please spread the words, KNOWING IS POWER!

11/09/2025

💢Dear neighbors, I sincerely invite you to join this free workshop. Knowing is Power!💢

11/05/2025

💢Event Invitation💢

Very often Americans rely on a 3rd-party advisor to do various financial planning, but do you know, with some basic knowledge, you can also deal with the major providers and do some essential retirement planning yourself? We are exposed to different risks in different phases of life, but we do can leverage ONE set of strategy to get covered for almost all occasions.

In this free workshop, I will introduce Newyorklife’s most recommended retirement strategy, and I will also explain some designs and features of various relevant insurance solutions, to help you better leverage your existing plans to face today’s retirement challenges.

It is recommended to plan for retirement early, but it is never too late to improve and optimize your current plans along the way!

Please reserve your seat via the QR below or via the link:

https://www.eventbrite.com/e/adding-flexibility-and-protection-to-your-retirement-strategy-tickets-1829264913599

(PS: I post a limited-time Premium Deposit Account promotion, call me if any questions)

10/27/2025

The federal government’s shutdown has a bigger impact on retirees than just service delays. Here’s how the shutdown can impact everything from your health to your travels.

Depending upon how long it lasts, a government shutdown can impact your daily life, including seeing family, managing your health, and enjoying your free time.

10/24/2025

Thoughtful planning can transform lives. Take Christopher’s family - they created a special needs trust to ensure his care would continue, even as his family’s ability to provide direct support was reduced. The trust protected his eligibility for government benefits while covering extra needs like therapy, medical appliances, vacations, and more. Watch his story to see how funding the trust with tools like life insurance gave his family peace of mind, knowing his future was cared for. If you’re ready to start planning to ensure your loved one with special needs is supported for years to come, let’s talk.

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10/24/2025

Life can be unpredictable. This story of Daniel, the sole owner of Horizon Construction, and his wife, Rachel, is a poignant reminder of how life insurance can play a crucial role in securing your family's future. Don't leave your family's future to chance. Watch Daniel’s story and then let's connect to discuss how to safeguard your family's well-being and ensure your legacy is one of security and stability.

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10/22/2025

Anthony and Allison built their family’s wealth through years of hard work, growing a real estate portfolio of nine LLCs. The challenge? Passing their success to the next generation without giving up operational control. Watch their story to learn how they could effectively transfer wealth to their children, secure valuation discounts, and reduce their taxable estate by consolidating their assets, and discover how Family LLCs can preserve and grow your legacy too!

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10/20/2025

Imagine turning small contributions today into a life-changing gift for your favorite charity in the future. Making an impact doesn't always require a big donation upfront. Life insurance offers powerful options to maximize your charitable giving while considering your family's needs. Watch this story to see how families like Mabel’s are using this strategy to create lasting change in their communities, and reach out to learn more about charitable giving strategies that can help you leave a meaningful legacy for the causes you care about most.

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