Ruben Anchondo, Financial Services Professional with Nylife Securities LLC

04/03/2026

Worried about taxes in retirement? As your protection needs change, the cash value of a life insurance policy can be a powerful source of tax-free income—allowing you to keep more of your savings for the things that matter. (Accessing the cash value will reduce the death benefit and cash surrender value, and the policy must be structured properly to maintain tax-free distribution status.) https://nyl.co/4c4rRJA

04/01/2026

Do you know where tax rates will be when you retire? Neither do we. Tax diversification can prepare your retirement income for whatever comes next—and help you keep more of your income for the things that matter. https://nyl.co/4v2FykG

03/30/2026

Social Security, 401(k) withdrawals, and other common retirement income sources are taxable. Learn how tax-diversification strategies can help. https://nyl.co/3NBVPfQ

03/27/2026

Tax-deferred retirement accounts are great for lowering your tax bill today—but taxes will eventually need to be paid when the money is withdrawn. Tax diversification may help you keep more of your retirement income. https://nyl.co/4s155Z4

03/25/2026

While most parents dream of stability for their children, for some it's an all-in quest for generational riches, pushing boundaries and taking extreme measures to build a legacy.

You don't have to go to these extremes, but you do have to make sacrifices to save.

03/25/2026

College tuition fees can seem prohibitive, but don't let advertised prices stop you from applying. Your real focus should be comparing net costs after grants and scholarships.

03/23/2026

The popular narrative that artificial intelligence is the engine keeping the U.S. economy alive appears to be overstated, according to recent analyses.

The GDP value of AI is smaller than it might appear given that a lot of high-tech equipment is imported, according to a recent MRB Partners report.

03/20/2026

More homeowners now hold mortgages near today’s rates, which could weaken the lock-in effect and bring more homes to market in 2026.

As mortgage rates stabilize and fewer owners hold ultra-low loans, the lock-in effect may be losing its grip.

03/18/2026

Why understanding the rules, planning ahead and keeping good records can help reduce both your tax burden and headaches.

Why understanding the rules, planning ahead and keeping good records can reduce both your tax burden and headaches.

03/16/2026

Retirees have many decisions to make, but there’s another form of preparation that many of us don’t consider — protecting yourself from financial abuse. Here’s some things to consider.

How to find the balance between trusting your kids and protecting your money.

03/13/2026

Letting a relative stay in a second home or inherited property can quietly change your insurance coverage and leave you exposed to costly liability claims.

03/13/2026

The Letter editors review the projected pace of the economy for 2026. Bigger tax refunds and resilient consumers will keep the economy humming in 2026. What are your thoughts?

Bigger tax refunds and resilient consumers will keep the economy humming in 2026.