Harris Kagan, Financial Adviser with Eagle Strategies, LLC.

Not sure if you're ready for the next step? Consider these indications of retirement readiness and see if you're more prepared than you think.

8 Signs You’ll Thrive in Retirement, Even If You're Afraid to Make the Leap

A rising cost of living has Americans tracking their spending more carefully, with millennials leading the charge, according to a recent NerdWallet survey.

Millennials Keep Closest Eye on Spending: 4 Ways to Help Offset Rising Costs - NerdWallet

Some retirement expenses are difficult to predict, particularly when long-term care needs arise. This article examines how significant care-related costs can affect retirement spending and the longevity of a retirement portfolio.
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The mortgage. The tuition. The retirement contributions. Your lifestyle may depend on your income.
If a covered disability event prevented you from working, would your current coverage be enough to keep everything on track?
For many people, employer disability benefits leave a gap between what's covered and what's needed.
That's a gap worth understanding before life puts it to the test.
Schedule a quick income protection review to see where your plan stands.

Individual Disability Insurance | Private Disability Insurance | New York Life Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

When business slows down, your mortgage doesn't. The car payment, the tuition, and the household expenses all run on a schedule that has nothing to do with how last month went.
Many business owners have thought through their business risks. The personal financial exposure that comes with a bad stretch due to an owner’s qualifying sickness or injury preventing them from working and earning an income.? That's the gap people forget to plan for.
I help business owners protect what matters most with the right disability coverage. Let's connect.

Individual Disability Insurance | Private Disability Insurance | New York Life Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

The mortgage. The car. The kids' school. Your income may be what keeps all of it moving.
But if a covered disability event prevented you from working, would your current coverage be enough to keep everything else on track?
Many employer disability plans replace around half your salary, before taxes. For many people, that's not enough to protect the life you've worked hard to build.
Schedule a quick income protection review to see where your plan stands.

Individual Disability Insurance | Private Disability Insurance | New York Life Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

Your mortgage, your car, your kids' school—these obligations continue to exist whether you continue to work on your business or become disabled.
And when your income as an owner is interrupted, your household feels it first.
Many business owners have a plan for the business. Fewer have thought through what happens at home if a qualifying sickness or injury prevents them from working and earning an income.
I help business owners protect what matters most with the right disability coverage. Let's connect.

Individual Disability Insurance | Private Disability Insurance | New York Life Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

The irony for many high earners isn't that they've ignored their finances—it's that they've been meticulous about everything except the source.
The investments are diversified. The estate plan is drafted. The insurance covers the house, the car, the valuables. But if their income stopped because of a covered disability event, how long would any of it hold?
That's the question many financial plans do not ask. It's worth finding out whether yours has an answer.
Schedule a quick income protection review to see where your plan stands.

Individual Disability Insurance | Private Disability Insurance | New York Life Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

Most business owners have a plan for what happens when equipment fails or inventory runs short. Few have a plan for what happens when they can't earn an income.
The clients, the revenue, the decisions that keep everything moving—none of it runs without you. Losing your income is an exposure many balance sheets never account for.
I help business owners protect what matters most with the right disability coverage. Let's connect.

Individual Disability Insurance | Private Disability Insurance | New York Life Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.