Hazell Guillen, Financial Professional with New York Life Insurance Company

If you own a business, your estate plan has to do more than list who gets what. It needs to protect the company you’ve built, keep operations running smoothly if something happens to you, and give your family clarity instead of chaos. This article describes how the right trust can support privacy, continuity, and long-term planning for business owners. If you would like to explore how a trust can support your succession goals or safeguard your business for the future, let’s get together and walk through your options.

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Even Americans who are covered by health insurance can emerge from medical emergencies with long-lasting financial scars, sometimes leading to bankruptcy.

Medical emergencies can lead to debt and bankruptcy — even for insured Americans Being hospitalized for an injury, such as a car accident, increases your risk of carrying medical debt and needing to file for bankruptcy, a new study finds.

A recent Kiplinger article cites cumulative Medicare Advantage payments could exceed traditional Medicare benchmarks by approximately $1.2 trillion through 2036, Policymakers continue to debate these payment levels, and future regulatory changes could affect plan premiums costs and coverage.

How Medicare Advantage Soaks Taxpayers — and Retirees With private insurers set to receive $1.2 trillion in excess payments by 2036, retirees may soon face a reckoning over costs and coverage.

In this week's Ask the Editor Q&A, Joy Taylor answers four questions on inherited IRAs, Roth conversions and more.

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Five lessons to learn from the 2026 Winter Olympics for your career and finances.

Top 5 Career Lessons From the 2026 Winter Olympics These lessons from the Olympics can help with your career and finances.

When you die, your mortgage doesn’t die with you. Learn what happens to your home loan and how to protect your spouse or heirs.

What Happens to Your Mortgage When You Die? - NerdWallet

The IRS launched its Zero Paper Initiative last year to speed up paper tax return processing. The project isn’t going well.

Paper Tax Filers Face Long Wait as IRS Digitization Effort Stalls The IRS launched its Zero Paper Initiative last year to speed paper tax return processing. The project isn’t going well.

You wear many hats as a head of the household. So when it comes to life insurance, you know the value of flexibility. Contact me to learn how a portfolio approach may be less expensive than a single life insurance policy and still provide the protection your family needs.

Term Life Insurance Policies | New York Life Discover how term life insurance from New York Life can protect you. Learn about converting term life to permanent coverage such as whole life insurance.

Even modest changes in retirement income can raise Medicare premiums under IRMAA. Here's how even a small increase can affect your retirement costs.

How One Extra Dollar of Income Can Cost You Thousands in Retirement Even modest changes in retirement income can raise Medicare premiums under IRMAA. Here’s how a small increase can affect your retirement costs.

Planning for caregiving costs is essential. As demand grows, integrating caregiving into your financial strategy is crucial. I can help create a strategy that fits your family’s needs. For more information or to schedule a call, please get in touch.

Es importante que desde una temprana edad iniciemos a ahorrar por varias razones. Primero es más fácil que vayas creando ese hábito y además el plan de vida te sale mas favorable. Pero lo más importante es que cuando retires tus ahorros, sabrás que habrá valido la pena tu compromiso y disciplina.

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