Derek Valencia, Strategic Financial Professional specializing in retirement

04/19/2017

https://www.newyorklife.com/articles/10-things-about-income-annuities/?cmpid=osm041917ia1

10 things about income annuities.

04/16/2017

https://www.newyorklife.com/articles/basic-expenses/?cmpid=smc040417nrpw1

When you hear the term “basic expenses” you may think about: the cost of housing, healthcare, food, and things of that nature. We recently completed a study where we asked retirees and pre-retirees what they define as basic expenses. While housing, food, and healthcare are all on the list – some of…

03/07/2017

https://www.nylinvestments.com/public_files/MainStay/videos/video-marketpulse.html

The principal risk of investing is that the price of the security may not approach its anticipated value or may decline in value, including possible loss of principal. Treasury securities are backed by the full faith and credit of the United States government as to payment of principal and interest…

01/09/2017

https://www.linkedin.com/pulse/4-ways-keep-your-new-years-resolution-year-maribeth-kuzmeski-phd

It’s exciting to set New Year’s Resolutions and start off a fresh new year with big goals and ambitions. But the reality, as we all know, is that most resolutions are not kept. Common personal goals

01/08/2017

http://www.inc.com/benjamin-p-hardy/8-things-every-person-should-do-before-8-am.html

Do this and you'll have done the important stuff first.

01/01/2017

"Two things define you: Your patience when you have nothing, and your attitude when you have everything."

12/26/2016

Imagine getting a paycheck without the work.

Learn how New York Life can help convert your savings into reliable income, so you can retire without the need to work for a paycheck.

12/05/2016

Protect the people you love with a special needs trust. Let’s discuss how.

Having a child with special needs can bring added challenges and unique joys to your life as well as complex financial and emotional concerns — for you, your child’s siblings, and guardians.

11/17/2016

For 163 consecutive years, New York Life has paid a dividend—in 2017 the total payout will be its largest yet! Let’s talk about what this means for you

Strength of diversified business model continues to serve participating policy owners, with $1.77 billion payout in 2017 despite low interest rate environment.

11/14/2016

How to lay the foundation for a retirement you can count on.

Even if you’ve already started the retirement planning process, we can help with a range of solutions to help you get the most from your earnings.

09/07/2016

When was the last time you took a comprehensive look at this important piece of your retirement income picture?

Find a prescription for RMD pain with an annual checkup.