Raeann Zander, Financial Services Professional with Nylife Securities LLC

06/18/2026

How would you cover a $1,000 bill for urgent costs? Use a credit card? Get a family loan? Far better to have an emergency fund. Here's how to set it up quickly.

06/16/2026

Happy National Fudge Day, sweet babes.

Today is the day we honor one of life’s greatest mysteries:
how something can be both dessert and a personality trait.

Fudge is rich, sweet, a little extra, and honestly? Same.

So whether you’re celebrating with chocolate fudge, peanut butter fudge, maple fudge, or the “I accidentally ate six pieces while standing in the kitchen” variety, I hope your day is soft, sweet, and only mildly sticky.

And remember: life insurance may not be fudge…
but it is something your family will thank you for having in their back pocket.

Enjoy the fudge. Protect the people. Don’t judge the second piece.

06/15/2026

Yesterday was such a wonderful day with perfect weather to be out supporting Homeward Animal Shelter at their Vikings Legends to the Rescue Charity Golf Tournament!

Homeward does incredible work in our community. Anywhere from rescuing, sheltering, protecting, all the way to rehoming animals who deserve a second chance. We are so grateful to be able to help support their mission and spend the day with others who care about making a difference for pets and people alike.

Thank you, Homeward Animal Shelter, for all the hard work and dedication you put in to second chances. 🐾

06/15/2026

A business partnership without a plan can get messy fast. Just ask the famous couple who once bought a home and winery together… then split up, skipped the paperwork, and watched the whole thing spiral into a legal tug-of-war. One even ended up sharing his personal residence with a stranger tied to the sale. Not exactly the happily-ever-after they expected.
All of it could have been avoided with a simple buy-sell agreement to lay out what happens if an owner leaves – through death, divorce, disability, retirement, or simply wanting out – so the business keeps running smoothly and everyone knows their rights. Watch this video to learn more about how a buy-sell agreement works, and then let’s make sure your business interests are protected.

In this brief video, you will explore the crucial importance of buy-sell agreements for your business. These agreements are like insurance policies for your company, ensuring its stability and protecting the interests of co-owners. Don't wait until it's too late – watch now to secure your business...

06/14/2026

A Kiplinger editor shares some retirement wishes for her father.

06/12/2026

If you’ve changed jobs over the years, you may have left behind a 401(k) or other retirement plan account. The U.S. DOL’s Employee Benefits Security Administration has created a tool https://bit.ly/4fI95v4 to help you find it. If it turns out that you are owed a retirement benefit and want help reviewing or deciding what to do next with those funds, I’m here to walk you through your options.

06/11/2026

June is Annuity Awareness Month — and a great time to revisit the power of compounding.

Think it's too late for compounding to make a difference? Think again.

Compounding means your money earns returns not just on your original investment, but also on the growth you've already accumulated. Even if you're in your 50s or 60s, time can still work in your favor.

Many people at this stage can contribute more consistently than earlier in their careers. A shorter time horizon can still support meaningful progress when contributions stay steady and earnings are reinvested.

Compounding helps build wealth over time. Certain annuities may help support asset preservation and retirement income goals. Let's talk about how these fit into your retirement strategy.

*Investments are subject to market risk including possible loss of principal.

06/11/2026

A Milestone Worth Celebrating!
For the sixth year in a row, New York Life Insurance Company will pay dividends on NYL My Care, and for the first time ever, dividends are being paid on NYL Secure Care.
This is a powerful moment for our long-term care business. With nearly 40 years of leadership, New York Life continues to deliver strength, stability, and added value to policyholders, helping them protect what matters most.

06/11/2026

Between vacations, camps, and all the little extras that come with summer, it's easy to lose track of where the money is going—especially when you're the only one keeping an eye on it.

I came across this genuinely useful roundup of the best budgeting apps for families. It breaks down which ones let multiple people share access, set goals together, and keep kids in the loop too.

Worth a read if summer expenses are starting to feel like a lot to manage:

https://bit.ly/3Qbgad8

And if it gets you thinking about your bigger financial picture, send me a message. I'm always happy to talk.

Article is for informational purposes only. New York Life does not endorse any specific app.

06/09/2026

When was the last time you stress tested your retirement income?

A plan that looks good on paper should also be able to handle real life (ie. market swings, inflation, taxes, healthcare costs, the unexpected).

Your retirement income plan should be built to carry you through more than just the easy seasons.

It may be worth a second look to see how flexible your strategy really is.