Ruben Johnson, Registered Representative with Nylife Securities LLC

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Ruben Johnson, Registered Representative with Nylife Securities LLC

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Registered Representative offering securities, products, and services through NYLIFE Securities LLC. (Member FINRA/SIPC), A Licensed Insurance Agency.

I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions. I am an Agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies. Additionally, I am a Registered Representative of and offer securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC), A Licensed Insurance Agency and a New York Life Company. New York Life Insurance Company
8000 Interstate 10 W
Suite 800
San Antonio, TX 78230
210.321.1400

Neither New York Life Insurance Company, nor its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. I am not licensed in all jurisdictions. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success.

11/04/2026

The inflation rate you hear about on the news is an average, and averages don't always reflect what you're actually spending. Healthcare, housing, and everyday essentials often rise at a different pace than the broader index, which means the official number can look calm while your real costs are moving in a different direction.

If you're in or approaching retirement, it's worth taking a closer look at whether your income strategy accounts for the inflation that's specific to your life, not just the headline figure.

I'm happy to walk through that with you. Let's talk.

11/02/2026

When people think about IRA withdrawals, taxes are often the first consideration. However, retirement distributions can sometimes affect other areas of your financial picture as well, including Social Security taxation, Medicare premiums, and overall retirement income flexibility.

Understanding these potential ripple effects can help support more informed retirement decisions. Let's discuss how IRA withdrawal strategies could affect your retirement income plan and identify opportunities that may improve long-term outcomes.

11/02/2026

It's Long-Term Care Awareness Month. Do you know if you're prepared to handle the financial burden of long-term care? Check out the latest Survey from New York Life

Use New York Life's tool to access long term care insurance cost information by state and region. Learn more about long term care costs and what they include.

10/30/2026

Inflation isn't always dramatic, but its effects can add up over time. Even modest inflation may gradually reduce the purchasing power of your retirement income, making it more important to plan for both today's needs and tomorrow's expenses
A strategy that balances income needs and growth potential may help support financial security throughout retirement. Let's talk about how inflation could affect your plan and what steps may help preserve purchasing power over the long term.

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/4zkquRk

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

10/28/2026

Investing trends can change over time. After a period of strong AI-driven market leadership, some sectors have cooled while others have gained momentum. Market rotation is a normal part of investing and can create both opportunities and challenges for investors.

A diversified approach that aligns with your goals, risk tolerance, and time horizon can help you stay focused through changing market conditions. If you'd like to discuss how recent market shifts could affect your portfolio, I'd be happy to help.

10/27/2026

Looking for a little more certainty with your money?
Check out this guaranteed interest rate.
Contact me today!

10/26/2026

Future tax rates are impossible to predict, but even modest changes can affect how much retirement income you actually keep. Looking beyond account balances and considering after-tax income can provide a more complete view of retirement readiness.

If you'd like to discuss how changing tax rates could affect your retirement income and explore strategies that may help improve your long-term financial flexibility, let's connect.

Address

8000 IH 10 W Ste. 800
San Antonio, TX
78230

Telephone

+12104294612

Website

http://www.newyorklife.com/, https://www.linkedin.com/in/johnsonrubennyl/

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