Tom Raby, CPA - Financial Services Professional with Nylife Securities, LLC

04/09/2026

Tax season can feel overwhelming, but a few simple organizational strategies can go a long way. This article from the Associated Press covers the key steps to take before you finish filing:

https://bit.ly/47S1y86

And if tax season has you thinking about your broader financial picture, feel free to reach out. I’m here.

I do not provide tax advice. Please consult with your own tax advisor for tax advice.

04/04/2026

Annuities get a lot of bad press… which is interesting, because the louder the criticism, the more you should ask: who benefits if you avoid them? Let’s talk facts—not feelings. According to LIMRA, annuity sales have hit record highs in recent years, topping $350+ billion annually. That doesn....

04/04/2026

I am working currently with several clients with various types of annuities under consideration. Guaranteeing income for life takes a lot off the worry list about retiring. Please reach out to discuss your options at [email protected]. All the best, Tom

Annuities get a lot of bad press… which is interesting, because the louder the criticism, the more you should ask: who benefits if you avoid them? Let’s talk facts—not feelings. According to LIMRA, annuity sales have hit record highs in recent years, topping $350+ billion annually. That doesn....

03/12/2026

“Poisoned” artificial intelligence can give untrustworthy advice about finance, health and lots more. Here’s how you may be able to fend off the growing threat.

“Poisoned” artificial intelligence can give untrustworthy advice about finance, health and lots more. Here’s how to fend off the growing threat.

03/12/2026

A lot of people assume debt is something they'll leave behind when they retire. But Federal Reserve data tells a different story. This piece takes a close look at the types of debt retirees are carrying and some practical ways to manage it on a fixed income:

https://bit.ly/4unjTTY

If you have questions on financial and retirement strategies, I'd love to connect and talk it through.

03/05/2026

We’re proud to share that New York Life has been named Overall Winner of the 2025 Kiplinger Readers’ Choice Awards for Annuity Providers. Kiplinger’s readers ranked New York Life highest for Customer Service, Most Recommended, and Overall Satisfaction.* This recognition reflects our unwavering commitment to making annuities easier for you. http://bit.ly/3I1dJFw

*The award was based on Kiplinger readers’ evaluations of annuity providers in terms of customer service, satisfaction, and likelihood to recommend. Click here for full methodology http://bit.ly/3Ga4LVZ

03/01/2026

I had a great day with my kids supporting FOACAS and showing some amazing rescue dogs to potential adopters and fosters at an event in Bethesda. So proud and glad they are learning the importance of volunteering for a cause, compassion and helping to save innocent lives. Please take a look at our website (www.FOACAS.org) if you are interested in adopting, fostering or even donating to help save animals in need. PS… I think the kids hard sold a couple of potential adopters for Princeton 😉 So he may not be available 👍

02/28/2026

Life insurance is a love that transcends language!

02/28/2026

When you die, your mortgage doesn’t die with you. Learn what happens to your home loan and how to protect your spouse or heirs.

02/27/2026

A common motivation behind the purchase of life insurance is love. People want to protect their loved ones.

02/27/2026

Five lessons to learn from the 2026 Winter Olympics for your career and finances.

These lessons from the Olympics can help with your career and finances.