Joseph Barrera, Licensed Agent with New York Life

05/29/2023

On , we honor and remember the brave men and women who gave their lives in service to our country. We are forever grateful for their sacrifice and the freedoms they have secured for us.

05/18/2023

Leaving a steady paycheck behind can be a scary thing. However, working with a financial professional is the best way to figure out how much monthly income you’ll actually need in retirement. See how much other retirees make and spend in this inciteful article. https://money.usnews.com/money/retirement/articles/what-is-a-good-monthly-retirement-income If you have additional questions about reaching your retirement goals, please feel free to contact me.

05/11/2023

Tax time has come and gone. While your mind is still in a money mode, this is a great time to do an income tax health check. This great article from New York Life includes five things you can do to help minimize your taxes for the future. If you have any additional questions about your taxes or personal finances today, please contact me.

Plan your tax strategy with five top tax season financial planning considerations from refunds to cashflow and investment-related deductions.

04/26/2023

Will Social Security run out? The short answer is “yes”. If Congress doesn't make changes to Social Security by 2035, your benefits may be reduced. Here’s what you need to know about the status of Social Security now, how it may affect your retirement, and what you can do about it.

https://yhoo.it/3HfJJCm

If you have additional questions about reaching your retirement goals, please feel free to contact me.

04/19/2023

Time to get your debt under control. Managing your debt can be a real challenge. Debt consolidation is one effective way to wrangle your debt and there may be other options available, depending on your circumstances. This article has everything you need to know about debt consolidation, some alternatives, and how to get started.

https://money.usnews.com/loans/personal-loans/articles/what-is-debt-consolidation-and-how-to-do-it

If you have any additional questions about debt and taking control of your finances, please contact me.

03/29/2023

When it comes to retirement, how do people really feel? Do they want to retire early, later, or not at all? Find some interesting answers in this 2023 Harris Poll survey asking thousands of Americans how they feel about their retirement:
https://bit.ly/3npfaTP
Do you have more retirement questions? Please reach out to me. New York Life Insurance company and its employees do not provide tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances. "

Most Americans plan to retire, and those who do plan to retire expect to quit full-time work at age 57, on average, a new NerdWallet survey finds.

02/23/2023

Looking for financial support for your small business? I’ve got you covered. I’m ready to work with you to find the right solutions for you and your employees. Learn more of the benefits of working with a New York Life agent below.

What can a New York Life agent do for your small business? Find out what type of solutions are offered to help protect your business.

02/20/2023

Before you file this year’s taxes, read this article from US News to find out if your student loans could have an impact that changes your return. And if you have any more questions, feel free to reach out.

If you're footing the bill for college or saving for it, these tax breaks could help.

02/17/2023

Ready to take the next step for your business? New York Life Business Solutions offers expert financial guidance to keep you on track and plan for your future. Click the link below to learn more about who we are.

Learn how insurance from New York Life can protect and support your small business, from guiding succession planning to providing incentives for your employees.

01/27/2023

The use of outdated vocational listings makes it difficult to qualify for disability benefits through the Social Security Administration. A recent Washington Post article reveals how the Social Security Administration uses a list of jobs that was last updated in 1977 to decide if a person is still able to work today. Read the full article here:

Despite spending at least $250 million to modernize its system, Social Security still relies on 45-year-old job titles to deny thousands of disability claims.

01/25/2023

New data shows student loan borrowers are falling behind on repaying other debts. Here’s what struggling borrowers can do to get ahead.

More student loan borrowers are already struggling with other bills, but Biden’s forgiveness plan could help, a new study found.

01/23/2023

Congress is expected to pass a bill that will make big changes to your retirement plan, allowing you to save more. Here’s what you need to know.

Americans could start saving a lot more for retirement.