Financial Planning Approach

Creating a financial plan doesn’t have to be complex. It starts with having an in-depth conversation about all of your financial goals, as well as any monetary concerns that weigh on your mind. These discussions typically cover:

PROTECTION PLANNING

Are you, your family, and/or your business properly protected from death, disability, or a long-term care event? Insurance can play a pivotal role in your overallplan—from income replacement to asset protection and the tax-efficient transfer of wealth.

INVESTMENT PLANNING

Your investment portfolio should directly reflect your goals, your time horizon, and risk tolerance. Ultimately, it is about achieving a high probability of success with as little risk as necessary. Our investment products include non-proprietary mutual funds2 and Eagle Strategies investment advisory services.

RETIREMENT PLANNING

What steps can you take to maximize your retirement savings? Are there other ways to augment your retirement income? Our retirement solutions include fixed,1 variable,2 and income3 annuities, non-proprietary mutual funds,2 and Eagle Strategies investment advisory services.

ESTATE PLANNING

Together, we can explore ways to transfer assets more efficiently to your beneficiaries, provide for family members with special needs, or facilitate the smooth transition of your business, as well as ensure you have the right estate planning documents and up-to-date beneficiary designations.

1 Issued by New York Life Insurance and Annuity Corporation, a wholly owned subsidiary of New York Life.

2 Offered through NYLIFE Securities LLC (member FINRA/SIPC), a Licensed Insurance Agency and a New York Life co.

3 Issued by New York Life Insurance Company or New York Life Insurance and Annuity Corporation.

: Neither New York Life Insurance Company, nor its agents, provides tax,legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

Disclosure

Christine Medeiros is an agent of and licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AK, CA (CA Insurance License #0D89739), FL, HI, IL, OR, TX, VA, and WA. No insurance business may be conducted outside the states referenced.

Christine Medeiros is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 841 Bishop St Ste 1900, Honolulu, HI, 96813, 808-529-6374. In this regard, this communication is strictly intended for individuals residing in the states of AK, CA, CO, FL, HI, NY, OR, VA, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

Christine Medeiros is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AK, CA, CO, FL, HI, NY, OR, VA, and WA. As such, these services are strictly intended for individuals residing in the states referenced.

The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

Neither New York Life Insurance Company nor its agents or affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

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