Landon Wilson, Agent with New York Life

06/25/2026

Life insurance has a reputation for being complicated. There are a lot of options, and thinking through the decisions behind them isn't always comfortable.

But understanding what's out there is a lot easier than most people expect. We put together a really clear breakdown of the main policy types—what they are, how they differ, and what's worth considering depending on where you are in life:

https://nyl.co/43WPv73

If it raises any questions or you'd like to talk through what makes sense for your situation, I'm here. Just send me a message.

06/25/2026

Guy messaged me last week wanting to meet. VP of sales, early 40s, two kids. Makes $350K.

$100K in his brokerage, $450K in his 401(k), maxing it out. On paper, crushing it.

So I asked him three questions:

❓If you don’t come home tomorrow — what happens to your family?

❓If you get hurt and can’t work — can they keep this life?

❓If you lose your job tomorrow — how long can you cover the bills?

He couldn’t answer one of them.

30K in savings. Spends $15K a month. Two months of runway.

Great number. No plan for the day it stops working.

If you’re married with kids, this is the order you build in:

1. Life and disability. Own it yourself. Work coverage leaves when you do.

2. Umbrella policy. Almost free, and nobody has one. It sits between one accident and everything you’ve built.

3. Cash. 3–6 months, high-yield savings. The brokerage doesn’t count.

4. 401(k) — but think. Take the deduction, don’t let it cost you the Roth. That’s the regret at 55.

5. Roth IRA. Tax-free for decades. Earlier is better.

6. HSA. Not a copay account. Pay out of pocket, let it grow, use it later.

7. Brokerage. Foundation’s set? Now build.

He spent years getting ahead.

One bad day could’ve taken all of it.

That’s not a money problem. It’s a planning one.

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/4aJDs0y

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.

06/04/2026

Your dog can be your best friend.

Your boss can be your mentor.

Your barber can be your therapist.

Your coach can be your second dad.

Your neighbor can be your golf buddy.

Your kid can be your alarm clock at 5am.

Your brother can be your wingman.

Your mom can be your accountant.

Your grandpa can be your history teacher.

Your pastor can be your counselor.

One person, two roles. Happens every day.

All of those can be true.

Your employer-sponsored “advisor” is NOT your financial advisor.

They don’t work for you. They work for your employer.

They don’t know your name. They don’t know your kids. They don’t know your goals.

You meet once a year, they glance at your 401(k), and that’s it.

They don’t know your kid starts college in six years.

That you want the lake house in the Ozarks.

That your husband just lost his job.

That you’ve got a $600,000 gap in your life insurance.

That you want to retire at 50 — and your 401(k) is locked till 59½.

They’re not asking. They’re checking a box.

06/03/2026

If you've made a large capital gain from selling a property and want to do a 1031 exchange, you might want to pause and consider how that will affect your portfolio in the long term.

If you're considering a 1031 exchange after making a large capital gain from selling a property, stop and ask how it will affect your portfolio in the long term.

05/28/2026

Debt relief can feel like the answer when bills are piling up, but it comes with a cost. Depending on the route you take, your credit score could drop significantly. This article from CNBC breaks down what each option actually does to your credit and how long the damage lasts:

https://cnb.cx/4u0aCzO

Do you know someone who would like to work with a Financial Professional on their financial goals? I'd love to connect and talk through how I can support them.


The article is provided for informational purposes only. Any actions you take regarding debt repayment and credit cards are made at your own discretion. Paying off debt, opening or closing credit cards, or changing your credit utilization may impact your credit score and profile. There is no guarantee of specific outcomes related to credit score changes.

05/28/2026

Yesterday our team had the opportunity to speak with the team at KHA Accounting.

Really enjoyed getting in the room with a group of CPAs who work closely with business owners and individuals in the middle market.

We talked through strategies around cash value life insurance and where it can fit in planning conversations they may be seeing with their clients.

A few areas we covered:

→ buy-sell planning
→ business continuity
→ key person protection
→ cash value strategies for business owners
→ estate and legacy planning for individuals and families

Always enjoy getting around other professionals, sharing ideas, and talking through strategies that can help serve people in our community better.

Huge shoutout to Jackie Wood for putting this together.

Appreciate KHA Accounting for having us out.

05/21/2026

With some states floating proposals to tax wealth, it's important to remember that relocation doesn't always end a state's tax reach.

05/21/2026

People told me this industry was too crowded to break into.

Everybody already “has a guy.”
Now AI and ChatGPT can do everything too.

Yet every week we still meet with:
→ DIY investors
→ people using AI to build plans
→ people who already have advisors
→ people convinced they have everything handled

And a lot of them end up becoming clients.

Because they simply didn’t know what they didn’t know.

The missed opportunities.
The blind spots.
The strategies they never knew existed.

And now those SAME people are sending us their friends, family, coworkers, and business partners.

You don’t refer the people you care about most to average.

This is why our first quarter was a record-breaking quarter.

That’s simply a reflection of the value our clients feel from the way we serve people.

05/20/2026

Tom Wheelwright, CPA, author of Tax-Free Wealth, and Rich Dad Advisor used to view whole life insurance the same way most investors do:

“Why would I pay more for whole life when term is cheaper?”

Then his perspective changed.

He talks about this often on his podcast now, specifically around why many business owners and high net worth families use properly structured whole life as a conservative, tax-advantaged asset INSIDE a portfolio.

Not instead of investing.

Alongside it.

Now he talks about how it can provide:
→ liquidity
→ capital access
→ lawsuit protection
→ legacy planning
→ estate efficiency
→ long-term stability

He also compares it to real estate from an asset standpoint:
→ equity builds over time
→ liquidity grows over time
→ tax advantages matter
→ control and access to capital matter

Not every asset is designed to maximize returns.

Some assets are designed to create flexibility, efficiency, and stability alongside traditional investments.

That’s why holistic planning matters.