Personal Solutions

We have firm principles in getting to the root of areas which could use improvement, and maximizing risk protection strategies while alleviating tax consequences of building and protecting wealth. Click below for more information about some of our core services.

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401(k) and IRA Rollovers

When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer's plan is an option, a rollover can be a consideration. Working with your tax advisor, we can help you determine the right course of action for you. This may include: leaving the funds in your existing plan, if permitted, or rolling them into your new employer's plan, if one is available and rollovers are permitted. Each choice offers advantages and disadvantages, depending on your specific needs and retirement plan, such as the desired investment options and services, applicable fees, expenses, and withdrawal options, as well as required minimum distributions and tax treatment of applicable options.

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AARP for New York Life

New York Life is proud to be the preferred provider of AARP Life Insurance, Annuity and Long-Term Care Options from New York Life. Using tools and products developed with AARP members in mind, I design solutions to help meet your needs and always work within your budget.

Secure your future with life insurance

New York Life offers a wide range of life insurance products that can suit almost any need and budget. I can help find the right product for you and your family. For AARP members, New York Life offers an expanded portfolio of AARP-endorsed products with simplified or no underwriting, that includes AARP Guaranteed Acceptance Life, AARP Level Benefit Term Life, and AARP Permanent Life insurance from New York Life. Here are just a few examples of how life insurance can benefit you and your loved ones:

  • Income replacement
  • Mortgage protection
  • College funding
  • Retirement planning
  • Estate planning
  • Medical and funeral expenses

Generate more income in retirement

Planning is the key to helping secure a comfortable retirement, and protecting the assets you’ve worked so hard to build. As with life insurance, I offer a range of fixed annuity products that can help you generate retirement income. Not ready to retire? We can talk about New York Life’s deferred annuity products. Already retired? Let’s discuss immediate annuity products, which may help you start enjoying a more financially secure retirement today.

Protect your family and your legacy with long-term care planning

Many people spend their lives saving money and building assets that will help them support their lifestyle later in life. There are several options that can help protect your finances and your family—and give you added peace of mind about the future. It’s never too soon to protect what matters most. Let’s design a plan together using long-term care options!

Work with an Authorized to
Offer Agent

I am committed to finding solutions with your best interest in mind. To be able to provide this quality of service, I became an Agent who is “Authorized to Offer.” This is a certification acquired by agents who have expressed a specific interest in helping AARP members.

To gain this status, I’m required to:

  • Be an experienced agent who wants to help people age 50+
  • Be in good standing with New York Life and in my community
  • Come highly recommended by my immediate manager
  • Participate in additional training on the needs of AARP members and the 50+ population
  • Receive periodic evaluations by both AARP and New York Life
  • Commit to always put AARP members’ needs first

I am proud to be an Authorized to Offer Agent and I am excited about the opportunity to help you.

To learn more about AARP, and the benefits of being a member, visit www.aarp.org.

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The purpose of this material is solicitation of insurance. An insurance agent may contact you. The products offered under AARP Life Insurance, Annuity and Long-Term Care Options from New York Life include individual and group life insurance products, individual annuity products and individual long-term care insurance products. These products have exclusions or limitations. For costs and complete details of the coverage contact your agent or the insurance company.

Individual annuity products and universal life insurance products are underwritten by New York Life Insurance and Annuity Corporation (NYLIAC), Newark, DE 19713, a wholly owned subsidiary of New York Life Insurance Company (New York Life), New York, NY 10010. The policy form numbers for NYLIAC Asset Preserver, a combination universal life and long-term care insurance product, are ICC 13314-60, 314-60 or state variation 898-60 or state variation. These products are available to the public.

Individual term life and whole life insurance products and long-term care insurance products are underwritten by New York Life. The policy form numbers for Long-Term Care insurance are ICC 14-LTC6, LTC6 or state variation, ILTC-5000 or state variation. These products are available to the public.

AARP group life insurance products are available under the AARP Life Insurance Program and are underwritten by New York Life. AARP Membership is required for Program eligibility. Specific products, features and/or gifts not available in all states or countries. AARP has established the AARP Life Insurance Trust to hold group life insurance policies for the benefit of AARP members. Complete terms and conditions are set forth in the group policy issued by New York Life to the Trustee of the AARP Life Insurance Trust (Group Policy forms AA-08, AA-66, AA-67, AA-68).

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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. 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. Some of the different types of annuities are:

- Fixed Deferred Annuities
- Lifetime Income Annuities
- Variable Deferred Annuities

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Asset Protection

There are numerous financial strategies and retirement income plans that can help you accumulate assets for the future, shield your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren. We can help you figure out what the right course of action is for your specific situation and objectives.

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Charitable Planning

Charitable planning allows you to support the organizations and causes that matter to you, while often providing immediate income streams and reducing your tax burden. Numerous charitable giving strategies exist, and we can help you design and execute a charitable giving strategy that is in alignment with your personal and philanthropic goals. Please seek tax advice from your own tax advisors.

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Disability and Extended Care Needs

To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.

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Estate Planning

A well-engineered estate conservation plan can minimize tax liability and ensure that loved ones are protected. We will work with you and your other advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your personal philosophies and family needs.

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Financial Planning

Qualified Eagle advisors provide personalized financial planning to our clients that is specific to several variables including their income, risk tolerance, values, and family. Alejandro works with each client to identify and prioritize their goals, explore options, establish effective strategies, construct and execute a plan, and assess the performance of the plan and make adjustments as needed.

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Investment Management

Managing your wealth requires a clear understanding of your overall investment objectives. Through Eagle Strategies LLC, Alejandro’s comprehensive investment advisory capabilities utilize a disciplined investment approach that looks beyond traditional asset allocation, while addressing important factors such as risk tolerance levels and investment time horizons.

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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.

- Whole Life
- Term Life
- Universal Life
- Variable Universal Life
- Survivorship Life

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Wealth Management and Retirement Planning

Alejandro works with our clients to design and implement a variety of accumulation and retirement income plans, offering insurance products, investment programs ranging from separately managed portfolios of stocks and bonds to mutual funds, and access to third-party wealth management programs. He offers a consistent process to help ensure management of investment assets according to your goals, risk tolerances and time horizon. He then monitors your plan on a continual basis, and adjust and evolve as your needs change.

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