Frank Gutierrez Agent with New York Life

05/11/2026

Understand how income levels can affect IRMAA surcharges and Social Security taxation—and how factors like part-time work or volunteering may play a role.

Avoid rising IRMAA surcharges and discover how volunteering and part-time work keep more of your Social Security benefits tax-free.

05/09/2026

Whether you’re an employer looking to enhance your benefits without incurring direct costs, or an individual looking to protect and support your long-term financial security, permanent life insurance options from New York Life can help. Get in touch to learn how today.

05/08/2026

For many business owners, the company is the estate plan. But will there be enough liquidity to:
—Cover estate costs?
—Keep the business running?
—Treat your heirs fairly?
If you’re not sure, reach out to me and let’s talk about some proven ways to protect what you’ve built.

04/02/2026

While whole life insurance is best known for offering lifetime protection and cash value growth,
New York Life has paid dividends to participating eligible policy owners since 1854. What’s more, our 2026 dividend will be the largest ever declared by our company.

Reach out to me today, and let’s talk about the power of dividends.

New York Life announces that the company will pay an estimated $2.78 billion in dividends to eligible participating policy owners in 2026 — the largest dividend payout in New York Life’s 180-year history and its 172nd consecutive annual dividend.

02/13/2026

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.

02/12/2026

Millennials are shifting toward new paths in business ownership, exploring opportunities that offer independence and leadership. Learn more about this trend.

Buying an existing business and stepping into its leadership has become a popular way to get a foot in the door to ownership.

02/11/2026

You’ve always been their biggest supporter — cheering them on through every dream and milestone.
Now it’s time to give their future the same encouragement you’ve always given their hearts.
Let’s build a strategy that helps their dreams shine bright for years to come.
Message me today to learn how.
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02/10/2026

Recent data shows that the estimated total savings needed to retire at 65 can differ by as much as $1.46 million depending on where you live. Here’s a look the minimum amount of savings needed to retire at 65 in each state.

The estimated savings needed to retire at 65 varies by nearly $1.5 million from state to state, driven largely by differences in housing costs.

03/10/2025

Want to prepay your life insurance premiums while reducing your out-of-pocket costs? For a limited time, New York Life is offering a 12% first year interest rate and 5% for subsequent years on the Premium Deposit Account for select whole life insurance products. Speak to me today to learn more.

04/16/2024

Your story is unique. Your dreams are, too. That's why, at New York Life, we listen with an open heart and design financial solutions that reflect the diversity of the lives we touch. Ready to see what we can achieve together? Contact me today.