Jemal S. Carter, Chfc, CLU l Sr. Development Manager l with New York Life

Wishing you a very happy New Year!

Is paying off your student loans getting in the way of other important financial goals? Check out this video and let me know if you’d like to hear about some smart, flexible ways to take control of your financial future. https://bcove.video/32oonh3

It was our 9th annual toy drive at the office and it was our best year yet!! We collected 282 toys that will be going to two separate organizations serving children who are experiencing homelessness and children battling cancer. I’m proud of my office for coming together and making this happen ❤️

I can’t do any of this alone, special thanks to the team for taking on this initiative with me every year!!

Are you ready to make history? As this video shows, that’s what you do whenever you buy life insurance protection for your family. Give it a quick look, and let’s talk about all the opportunities this coverage can create for your loved ones. https://bcove.video/3tL6Izh

Make Your Smartest Year-End Financial Moves
Big tax changes are coming — are you prepared? Join New York Life and industry expert Greg Holmgren, for a focused live seminar on the key decisions to consider before December 31.

He’ll break down gifting strategies, RMD timing, and how upcoming tax rules could impact your short- and long-term plans. Walk away with clear, practical tips you can use right away.

Date: December 11, 2025
Time: 3 p.m. EST | 2 p.m. CST | 1 p.m. MST | 12 p.m. PST | 11 a.m. AKST | 10 a.m. HST
RSVP: Register now: https://bit.ly/3XKvqhd
Registration Code: 116306

Reserve your spot today and finish the year with confidence.

Small businesses are the backbone of our communities. As a New York Life agent, I can help you secure the business you’ve worked so hard to build. Together, we can provide your employees and their families with the financial protection they deserve. Contact me to learn more.

Small Business Insurance | Insurance for Small Business | New York Life Learn how small business insurance from New York Life can protect business owners and their employees with a variety of solutions and services.

Proud to represent a company that’s once again been named to the Fortune 100. As the largest mutual life insurer in the U.S., this recognition highlights New York Life’s continued financial strength and unwavering commitment to our policyholders when they need us most.*

New York Life ranks No. 69 on 2025 Fortune 500 list. The 2025 Fortune 500 rankings are in, and New York Life is No. 69 on the list, which ranks the largest American companies by revenue.

Join us for the Macro Balance Strategy Seminar!
Discover how merging asset allocation with tax-diversity can help you build and keep more retirement assets. Learn practical strategies to find financial balance and increase your net spendable retirement income.
Date: 12/9/2025
Time:6:00 PM EST
Location: https://bit.ly/4inGv1c
RSVP: Mel Carter
This seminar is for informational purposes only. Neither New York Life Insurance Company nor its agents or affiliates provide tax, legal, or accounting advice. Please consult your own professional before making any decisions.

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

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

When was a time that teamwork helped you solve a problem that you couldn’t tackle on your own?

Even business owners who recognize the need for a succession strategy often don’t know where to start. Here is a high-level roadmap to help set the wheels in motion.

Managing The Transfer Of A Family Business A business succession plan starts with exploring your options and learning who might be interested in taking over.