Our Tools for Success

As a Financial Advisor with Eagle Strategies, a licensed agent of New York Life Insurance Company and a registered representative of NYLIFE Securities LLC, I offer a variety of products that can help you meet a number of insurance and financial needs. I invite you to read all about the insurance and financial products I can offer and to contact me for an in-depth discussion of your financial goals.

We offer clients a review of the following product needs:


 

Private Asset Management

There are many ways to approach portfolio management, and no one solution is right for every investor.  That's why we offer Lifetime Wealth PortfoliosSM, an innovative investment advisory platform that offers several investment strategies, accounts tailored to your individual needs and a choice of investment managers. 

With Lifetime Wealth Portfolios, we identify your unique investment and protection needs and recommend the asset allocation or risk/return strategy that’s right for you.  Then we help you select the investments for your portfolio according to your objectives. Our portfolios leverage our unique approach to integrating your insurance and investments, and they include ongoing management and dynamic investment strategies to adjust to your evolving needs throughout your life.

We offer several program options within the Lifetime Wealth Portfolios platform so that you can select the one that’s right for you.

 

Lifetime Wealth Portfolios - Sub-Advised Program

This discretionary managed account offers a choice of professional sub-advisers to manager your portfolio. These sub-advisers are among the most respected in the industry and include Brinker Capital, Ibbotson Associates, Loring Ward and Morningstar Investment Services, Inc. Each sub-adviser follows a specific investment philosophy, selecting from actively and passively managed funds and managing according to strategic and tactical asset allocation strategies. In this program Eagle Strategies acts as the investment adviser and works with the client to determine his or her investment objectives and risk tolerance. the client then selects a Subadviser which has the discretionary authority to manage the client's account. The Subadviser invests the client's assets in a portfolio of mutual funds and possibly exchange-traded funds. 

Lifetime Wealth Portfolios - Personal Adviser Program

If you prefer a more customized portfolio and control of individual investment decisions, consider the Personal Adviser program. We will build an individual portfolio for you that may include exchange-traded funds and mutual funds. In addition, you will be an active participant in the details and decisions of your portfolio.

Lifetime Wealth Portfolios - Separately Managed Account

This account offers custom built portfolios with individually held securities, and may utilize tax efficient trading strategies. The Lifetime Wealth Portfolios Separately Managed Account program provides access to portfolio managers with specific expertise in targeted investment strategies such as Rothschild Asset Management (equities), Reinhart Partners (fixed income), and Gannett Welsh & Kotler (municipal bonds). In this program Eagle Strategies act as the investment adviser, assists the client in identifying his or her investment objectives and risk tolerance, and presents the client with a personalized investment profile recommending a particular SMA Manager. The Manager will have discretionary authority to manage the client's account.

 

Through NYLIFE Securities LLC. member FINRA/SIPC, we have access to brokerage accounts and individual mutual fund purchases from some of the leading mutual fund families such as:

American Funds

Franklin Templeton

Oppenheimer Funds

Mainstay Funds

 

The process involves, but is not limited to, the following important stages: 

  • Setting investment objectives
  • Developing an asset allocation strategy
  • Evaluating/Selecting investment vehicle
  • Portfolio review – Ongoing portfolio monitoring

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Annuities

We offer access to both deferred and income annuities.  An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.

 

  • Fixed Deferred Annuities* offer the advantage of tax-deferral and can be used to accumulate money for retirement.
  • Income Annuities* are used to generate a stream of income payments that is guaranteed to last for as long as you need it to – even for the rest of your life.   It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.

 

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Long Term Care

Long-Term Care Insurance is still a relatively new type of insurance product. Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.

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Life Insurance

Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out — or for someone who's starting over.

You can use the articles on this page to learn more about the various types of life insurance that are available.

  • Whole Life - Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.
     
  • Term Life - Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.
     
  • Universal Life* - Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change. The policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or charges fluctuate.
     
  • Variable Universal Life# - Variable Universal Life combines the premium and death benefit flexibility of a Universal Life policy with investment opportunities. You can allocate your premium amongst a variety of professionally managed investment divisions plus a fixed account. Assets allocated to the investment divisions are subject to market risk and may lose value. Of course, with investment opportunities comes risk along with the potential for reward.
     
  • Survivorship Life - Covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.
     

* Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company. All guarantees are based on the claims paying ability of the issuer.

# Offered by NYLIFE Securities LLC (member FINRA/SIPC).

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