Daniela Perez, Financial Services Professional with Nylife Securities LLC

10/25/2026

Family caregivers often help with daily activities, health-related tasks, coordination, and decision-making. This article examines the time, responsibilities, and economic value involved, along with the pressures families may experience when supporting a loved one’s long-term care needs.
https://bit.ly/4BwkCWO

10/22/2026

One of the most overlooked pieces of an estate plan is insurance. But overlooking insurance can cause a bigger headache than you think.

10/21/2026

Lately I've been meeting with a lot of people about budgeting.

And the same questions keep coming up:

How much should I save in an emergency fund?
Where should I keep it?..

Here's the 7-phase roadmap I walk people through:

Phase 1 → $1,000 saved

Phase 2 → 1 month of expenses

Phase 3 → 3 months (the minimum I recommend)

Phase 4 → 6 months

Phase 5 → 9 months

Phase 6 → 12 months

Phase 7 → 18-24 months (for those starting a business, leaving a job, or in niche careers)

Phases 2-6 depend on what you consider "necessary expenses."

At the very least, cover the 4 walls:

Housing

Utilities

Food

• Transportation

Some keep it lean.

Others include extras like subscriptions, kids' activities, or even vacations.

No wrong answer—it's about peace of mind.

Re

Where to keep it?

High-yield savings
Money market
Cash (but it loses value to inflation... and you can actually lose it.
I've been through a house fire—| know it can happen.)

• What not to use: stocks or investments.

This isn't about growth.

It's about stability and security.

I recommend 3 months as a baseline.

If you're more cautious, shoot for 6-9 months.

And once you're there, it's time to think long-term:

Max out your 401(k) (at least the match)
Fund a Roth IRA
Or use a brokerage for flexibility
Your emergency fund protects your today.

Your investments build your tomorrow.

• What phase feels right for you?

10/20/2026

We're proud to be named to Barron's 100 Best Annuities list for 2026.

At New York Life, we're committed to making annuities easier to understand and easier to use, helping you navigate retirement with greater confidence. We're honored by this recognition and remain dedicated to providing solutions designed to help you build a secure financial future and protect what matters most.

Read Barron’s article: https://bit.ly/4hKTGKK

New York Life Annuities is honored to be named to Barron's 100 Best Annuities list for 2026. This recognition reflects our ongoing commitment to helping financial professionals make retirement planning easier for their clients through solutions, tools, and support designed to bring greater clarity a...

10/19/2026

If you or someone you care for has a qualifying disability, an ABLE account can be a tax-efficient way to invest for the future—and remain eligible for essential federal benefits. Learn more here: https://nyl.co/3UcKndN

10/18/2026

As long-term care costs continue to rise, families may need to consider how care could affect savings, income, and support from loved ones. Starting the conversation early can make planning feel more manageable.
https://bit.ly/3WyjzFq

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/47F4VyR

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

10/13/2026

Although equal splits look fair on paper, they can ignore lifetime gifts, different needs, or hard-to-divide assets and leave siblings fighting long after you’re gone.

Although equal splits look fair on paper, they can ignore lifetime gifts, different needs or hard-to-divide assets and leave siblings fighting long after you’re gone.

10/12/2026

Social Security needs more money, and some Congressional lawmakers want high earners to help provide it. But changing the Social Security tax cap would be more complicated than simply asking high earners to pay more taxes.

Some lawmakers are calling for higher payroll taxes for certain workers to help save Social Security from insolvency.

10/11/2026

Many people hope to receive long-term care at home, but the cost of that care has been rising. This article looks at recent home care price trends and how they may affect older adults, family caregivers, and household budgets.
https://bit.ly/4yeyd1Y