Anastasia Herman, Registered Representative, NyLife Securities LLC

11/03/2026

Retirement used to come with a pension that paid you every month, no matter what the market did. For most people today, that safety net is gone. Your retirement income now depends almost entirely on the decisions you make, how much you save, how you invest it, and how carefully you draw it down over the next decades.

That's a lot to navigate on your own. A thoughtful income strategy can give you the confidence to enjoy retirement the way you intended without second-guessing every withdrawal.

If you're ready to build more certainty into your retirement picture, let's find time to connect.

10/29/2026

Life changes. But sometimes beneficiary designations don’t change with it.

This Kiplinger article is a helpful reminder of why it is so important to periodically review the beneficiaries on your retirement accounts, life insurance policies, and other accounts to make sure they still reflect your wishes.

Check out the article here:

https://bit.ly/3WeD7ib

If you have questions about your own beneficiary choices, send me a message.

10/25/2026

If you or someone you care for has a qualifying disability, an ABLE account can be a tax-efficient way to invest for the future—and remain eligible for essential federal benefits. Learn more here: https://nyl.co/4ilZrOk

10/22/2026

A sickness or injury doesn't care about your business timeline. And if you're unable to work, the income you rely on could be interrupted.
Many business owners plan for external risks—a slow quarter, a lost contract, or changing market conditions. Fewer have a plan for the risk of being unable to work themselves.
Individual disability insurance may help replace a portion of your income during a qualifying disability due to sickness or injury.
I help business owners protect what matters most with the right disability coverage. Let's connect.

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.

10/20/2026

As a business owner, your ability to work is often closely tied to the income you earn.
Mortgage payments. Household bills. Everyday expenses. They don't stop if a covered sickness or injury keeps you from working.
Individual disability insurance may help replace a portion of your income during a qualifying disability.
I help business owners protect what matters most with the right disability coverage. Let's connect.

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.

10/16/2026

When business slows down, your mortgage doesn't. The car payment, the tuition, and the household expenses all run on a schedule that has nothing to do with how last month went.
Many business owners have thought through their business risks. The personal financial exposure that comes with a bad stretch due to an owner’s qualifying sickness or injury preventing them from working and earning an income.? That's the gap people forget to plan for.
I help business owners protect what matters most with the right disability coverage. Let's connect.

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.

10/15/2026

Warren Buffett, Beyoncé, Jay-Z and Shaquille O’Neal have all shared their thoughts on inheritance—and their approaches may surprise you.

This Kiplinger article looks at how several well-known people think about passing wealth to the next generation, and raises an interesting question: What do you want the wealth you’ve built to do for the people you care about?

Check out the article here:

https://bit.ly/3VL7ywk

If it gets you thinking about your own plans, send me a message.

10/13/2026

Your mortgage, your car, your kids' school—these obligations continue to exist whether you continue to work on your business or become disabled.
And when your income as an owner is interrupted, your household feels it first.
Many business owners have a plan for the business. Fewer have thought through what happens at home if a qualifying sickness or injury prevents them from working and earning an income.
I help business owners protect what matters most with the right disability coverage. Let's connect.

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.

10/10/2026

Most business owners have a plan for what happens when equipment fails or inventory runs short. Few have a plan for what happens when they can't earn an income.
The clients, the revenue, the decisions that keep everything moving—none of it runs without you. Losing your income is an exposure many balance sheets never account for.
I help business owners protect what matters most with the right disability coverage. Let's connect.

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.

10/07/2026

Your equipment, your inventory, your property are all reflected on your balance sheet.
But one thing might not be: you.
Yet the revenue you help generate, your client relationships, your business decisions—they all require you to run.
Most business owners have insured almost everything their business owns. Few have protected the asset they depend on.
I help business owners protect what matters most with the right disability coverage. Let's connect.

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.