Krista Fleck - Registered Representative with Nylife Securities LLC

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Krista Fleck - Registered Representative with Nylife Securities LLC

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

As a licensed Agent of New York Life Insurance Company, I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to business solutions, 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. 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.

303.807.5483

2000 S. Colorado Blvd. Tower 2, Suite 1100
Denver CO 80222

10/30/2026

Tomorrow is Halloween! 🎃

Today's financial horror story:

You find an old 401(k).

You don't remember the password.

You haven't looked at it in eight years.

And the beneficiary is someone who definitely shouldn't still be there.
😱

Okay, maybe I'm being dramatic.

But financial surprises are usually less scary when you periodically check the route.

So which is worse?

👻 Reviewing an old retirement account
💳 Looking at the credit card after vacation
🍬 Discovering someone ate all the good Halloween candy

Happy Halloween!

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/4inuEke

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

10/28/2026

Most people have a preference about where they'd want to receive care if they needed help someday.

Usually I hear:

"I'd rather stay home."

But then come the harder questions.

Who would help you?

Would your spouse become the caregiver?

Would your children need to step in?

How would care be paid for?

Preparing for future care isn't only about money.

It's also about preserving choices and reducing the burden on family.

This is one route that's easier to discuss before you need it.

Has your family talked about what you would want?

10/26/2026

"How much do I need to retire?"

It's a reasonable question.

But I think another question matters just as much:

What does that money need to do?

Pay the mortgage?

Travel?

Cover healthcare?

Support family?

Create reliable monthly income?

Last 30 years?

Leave a legacy?

Two people with the exact same account balance can need very different retirement routes.

The destination isn't simply hitting a number.

It's creating a retirement that works for your life.

Do you know what your retirement resources need to accomplish?

10/23/2026

It's National Horror Movie Day, so let's create the scariest movie lineup possible:

🎬 The Forgotten 401(k)
👻 Attack of the Outdated Beneficiary
🧟 The Business Owner With No Exit Plan
😱 Retirement Without a Paycheck
🔪 The Emergency Fund That Disappeared

Which one are you watching?

Hopefully none. 😂

Fun fact: National Horror Movie Day is celebrated on October 23 in honor of filmmaker Sam Raimi's birthday.

Now I want the real answer:

What's your favorite horror movie?

10/21/2026

Taxes are part of the financial journey.

But not every type of account is taxed the same way.

Some money is taxable now.

Some may grow tax-deferred.

Some strategies may provide tax-efficient access when structured appropriately.

That doesn't automatically make one option better.

It means tax treatment belongs on the map.

I don't provide tax advice—that's where your tax professional comes in—but I absolutely believe people should understand the questions to ask.

Do you know how your different retirement resources will be taxed when you use them?

10/19/2026

Business owners prepare for all kinds of problems.

Truck goes down? Fix it.

Equipment breaks? Replace it.

Employee quits? Find coverage.

Vendor fails? Call another one.

But there's one question that's easier to avoid:

What happens if YOU can't work?

Or a key employee can't?

Business-continuity planning can involve succession, ownership agreements, key-person protection, income protection, and having enough resources to keep operating.

You don't expect the road to close.

You simply have another route ready.

Could your business operate for six months without you?

10/16/2026

Small-business owners sometimes assume employee benefits have to mean a huge corporate benefit package.

Not necessarily.

Depending on the business and workforce, benefits can include employer-paid, shared-cost, or voluntary options.

The first step doesn't have to be deciding what you're going to offer.

It can simply be understanding what's available and what employees may value.

Because your business doesn't run on spreadsheets.

It runs on people.

If you could add one benefit for your employees tomorrow, what would you choose?

10/15/2026

Warren Buffett, Beyoncé, Jay-Z and Shaquille O’Neal have all shared their thoughts on inheritance—and their approaches may surprise you.

This Kiplinger article looks at how several well-known people think about passing wealth to the next generation, and raises an interesting question: What do you want the wealth you’ve built to do for the people you care about?

Check out the article here:

https://bit.ly/4yQmBmR

If it gets you thinking about your own plans, send me a message.

10/14/2026

Business owners are often great at reinvesting.

New equipment.

Employees.

Marketing.

Vehicles.

Inventory.

Growth.

I understand it—I spent years owning a business too.

But here's an important distinction:

A growing business and personal financial independence are not necessarily the same thing.

Someday you may want choices that don't depend entirely on selling the business.

Building resources outside the company creates another route.

If your business weren't available to fund retirement, what would Plan B look like?

Address

2000 S. Colorado Boulevard Tower 2, Suite 1100
Denver, CO
80222

Website

https://kristafleck.nylagents.com/

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