Neil Rogo, Agent with New York Life

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Neil Rogo, Agent with New York Life Agent licensed to provide Insurance through New York Life Insurance Company I am not licensed in all jurisdictions.

I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to 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. 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. 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.

3000 Bayport Drive
Suite 1100
Tampa, FL 33607

10/15/2026

One of the easiest ways to accidentally take more investment risk?
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Do nothing.
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Say you built a portfolio with 60% in stocks because that was the right amount of risk for your retirement plan.
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Stocks have a great run.
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A few years later, that 60% has quietly become 70%.
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Your investments went up, which is great.
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But the portfolio you own today isn’t the portfolio you originally decided was right for you.
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That’s where rebalancing comes in.
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You trim areas that have grown beyond their target and add to areas that have fallen below it.
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It can feel strange.
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You’re sometimes selling what’s been doing well and buying what hasn’t.
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But that’s the discipline.
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You’re not trying to guess what happens next.
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You’re making sure a good market hasn’t quietly changed how much risk you’re taking.
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Sometimes doing nothing is a decision too.

10/13/2026

I think we sometimes get financial planning backwards.
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We spend years preparing for a retirement we’re not guaranteed to experience exactly how we imagine it.
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Save more. Invest more. Spend less.
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All important.
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But I’ve also watched people put off the family trip because “we’ll do it when we retire.”
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Then the kids get older. Parents age. Health changes. Life moves.
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On the other hand, spending everything today and hoping retirement works itself out isn’t much of a plan either.
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The answer is somewhere in the middle.
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Save for 65.
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But take your wife on the trip at 40.
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Invest consistently.
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But don’t feel guilty spending money on things you’ll actually remember.
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A good financial plan shouldn’t make you choose between enjoying today and being responsible tomorrow.
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It should help you do both.
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I don’t think the goal is to die with the biggest account balance possible.
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The goal is to use your money well while you’re here.

10/08/2026

Someone told me recently:
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“I don’t want to pay someone to build their business.”
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We hadn’t even had a meeting yet.
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That caught me off guard.
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Not because everyone needs a financial advisor. They don’t.
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But deciding there’s no value before you’ve even seen what someone might find feels backwards.
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Give me 30 minutes.
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Show me what you’re doing, what you’re working toward, and where you’re unsure.
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Maybe I look at everything and tell you you’re in great shape.
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Maybe I notice something you haven’t thought about.
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Taxes. Retirement income. Insurance. An old 401(k). Too much cash sitting around. A risk you didn’t realize you were taking.
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Then you decide whether the conversation was valuable.
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That’s how it should work.
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You don’t owe anyone your business.
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But you owe yourself enough curiosity to make an informed decision about your own money.

Looking for a little more certainty with your money?Check out this guaranteed interest rate. Contact me today!
10/05/2026

Looking for a little more certainty with your money?
Check out this guaranteed interest rate.
Contact me today!

10/05/2026

My wife and I want our kids to understand money.

How to earn it. Save it. Give it. And eventually invest it.

But honestly, that’s pretty far down the list.

I care more about who they become.

Love Jesus. Love people. Work hard. Tell the truth. Stay humble. Be grateful. Help people when you can.

Last Friday, we packed meals for kids who might otherwise go without.

The next morning, our girls walked into a kitchen full of food without giving it a second thought.

That contrast stuck with me.

Someday I hope our kids make plenty of money.

But more than that, I hope they become the kind of people who love Jesus, treat people well, and understand what money is actually good for.

Taking care of the people you love and helping people who need it.

That’s a lesson worth teaching.

10/01/2026

Life gets hard.
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Okay. And?
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Building a career is hard.
Being a good spouse is hard.
Getting up when you’d rather sleep another hour is hard.
Working out when you’re tired is hard.
Eating well when Chick fil A exists is hard.
Having the conversation you’ve been avoiding is hard.
Showing up with a good attitude when you’ve had a terrible week is hard.
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None of that is going away.
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I used to think the goal was to get through the difficult stretch so things could finally feel easier.
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I don’t think that anymore.
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There’s always going to be something.
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A stressful week at work gets replaced by something at home. You solve one problem and another one shows up.
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That’s life.
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And weirdly, the things I’m most proud of usually came from the seasons I probably wouldn’t volunteer to repeat.
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So I’m trying to get better at not postponing happiness until everything settles down.
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Work hard. Deal with what’s in front of you. Laugh when you can. Go to dinner with your wife. Call your parents. Enjoy the good parts while the hard parts are still happening.
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These last couple weeks have been tough for me.
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But they’ve also been good.
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Both can be true.
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You woke up today and got another one.
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Might as well enjoy it. 👊

09/29/2026

When I got into this business, I heard the same thing over and over:
“Everyone already has a financial guy.”

Now there’s another version of it:
“Why would someone need an advisor when they have ChatGPT?”

Fair question.

But every week I sit across from people who already have an advisor, manage everything themselves, or have spent hours researching their finances online.

Most of them aren’t doing anything obviously wrong.

That’s actually the interesting part.

The problems are usually smaller and harder to notice.

An account that could be positioned differently for taxes.

Insurance they haven’t looked at since they bought it ten years ago.

A retirement date that works great as long as the market cooperates.

Money sitting in places that made sense five years ago but don’t fit what they’re trying to accomplish today.

You don’t know what you don’t know.

And Google, AI, or even a good advisor can’t fix something nobody has thought to question.

Some of those conversations turn into clients.

Then those clients introduce us to their parents, coworkers, business partners, and friends.

That’s been the biggest lesson for me.

This industry isn’t too crowded.

There are just a lot of people who could benefit from a second set of eyes.

We just finished our best quarter yet, and this one is already moving in the same direction.

I’m proud of the growth.

But I’m much more proud of where it’s coming from.

People we’ve helped trust us enough to introduce us to someone they care about.

09/23/2026

If your paycheck stopped tomorrow, how long could your family keep living the way they do today?

Not just pay the mortgage.

Keep the kids in the same school.

Keep saving for college.

Take the family trip you do every summer.

Stay on track for retirement without your spouse having to work an extra ten years.

That’s where I think people get life insurance wrong.

I’ll ask someone what they have and hear:

“I’m covered through work.”

Okay. How much?

That’s usually where the certainty disappears.

Maybe it’s one or two times their salary. Maybe part of what they’re counting is accidental death coverage. Maybe they leave that job next year and the coverage changes completely.

Meanwhile, we’ll spend hours deciding how much to put into a 401(k), which investments to own, or whether we can retire at 60 instead of 62.

Those things matter.

But if one missing paycheck forces your family to raid those accounts, sell the house, or abandon the goals you were saving for, I’d rather find that out now.

That’s what life insurance is supposed to protect.

Not a number.

The life that number pays for.

If you’re not sure what your family would actually have to change if your income disappeared, message me “CHECK.”

We can run the numbers.

09/21/2026

Your company can be a great place to work and still be a terrible place to keep half your net worth.

I see this happen all the time with company stock.

RSUs vest, so you hold them.

ESPP shares accumulate, so you hold those too.

The stock has done well, selling creates a tax bill, and you know the company better than any other investment you own.

So doing nothing feels reasonable.

Then you look up and realize your paycheck, benefits, career AND a huge chunk of your investments all depend on the same company.

That's the part that bothers me.

If the company hits a rough patch, you don't just have an investment problem. Your stock could be falling at the exact moment bonuses get cut, layoffs start, or your job becomes less secure.

That doesn't mean "sell all your company stock."

It means there should probably be a reason behind how much you own.

When I look at someone's company equity, I'm usually asking three things:
How much of your net worth is tied up here?

What happens tax-wise if we start selling?

And what would your financial life look like if this stock dropped 40%?

Sometimes the answer is to sell. Sometimes it isn't.

But "I just never did anything with it" isn't much of a strategy.

If you've been accumulating company stock for years and haven't had someone outside the company look at it, send me "REVIEW."

Address

3000 Bayport Drive STE 1100
Tampa, FL
33607

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 4pm

Telephone

+17272229167

Website

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