Expertise

Solutions for Businesses

Our agents at New York Life Westchester offer a wide array of services to help business owners address their financial needs at every stage of the business life cycle. Taking into account their personal values and financial goals, they create and execute customized strategies to help entrepreneurs meet their objectives. Some of our agents’ key services are detailed below.

Executive Benefits

The success of most businesses is tied into the talent, passion and work ethics of their key executives. Executive benefit packages can help you attract, motivate, and retain high-caliber employees and keep your company healthy and stable. Our agents can help you fund non-qualified plans, supplemental employee retirement plans, split dollar plans, and more.

Employee Benefits

Selecting the right benefit package is becoming increasingly important in retaining the best employees, and keeping them productive. Our agents strive to know and understand your complete financial situation and provide you with the highest quality of information, products, and services to help you reach your goals. Our clients rest assured knowing that they always have their interests at heart.

Focusing on your objectives, budget and culture, they work with you to custom design funding options for your group benefits, qualified retirement plans, and voluntary benefits plans to address your employees’ unique needs.

Succession Planning

Succession planning allows owners to leave their business on their own timeframe while preparing their company to be transferred to family members, key employees, an outside party, or even a charity. This must be done in a way that helps to achieve personal financial security, maintains harmony, and achieves maximum value for the business.

Key Person Insurance

Key person life insurance offers a death benefit that helps indemnifies an employer for the loss of one of its most important assets - the key person. This can help assure continuity of the business for employees, customers and creditors, and protects against losses in sales, momentum, and credit. It can also be used to help recruit and develop a replacement for the employee.

Funding Buy-Sell Agreements

A buy–sell agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or leaves the business, whether by force or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to help ensure that the arrangement is properly funded so that there will be money when the event is triggered.

Funding Deferred Compensation

Deferred compensation is a written agreement between an employer and an employee where the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf, and distributed back to them at a pre-determined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees.

Solutions for Individuals

Taking into account your needs, goals and tolerance to risk, our agents can work with you to help bring clarity to where you’re going and how to get there. Some products and services are highlighted below.

Taking into account your needs, goals and tolerance to risk, our agents can work with you to help bring clarity to where you’re going and how to get there. Some products and services are highlighted below.

Wealth Management* and Retirement Planning

Our Eagle Strategies financial advisors work with our clients to design and implement a variety of accumulation and retirement strategies, 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. Our financial advisors offer a consistent process to ensure management of investment assets according to your risk tolerances investment goals.

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.

Please seek tax advice from your own tax advisors.

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.

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 plan that is in alignment with your personal and philanthropic goals.

Please seek tax advice from your own tax advisors.

Investment Management*

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

Financial Planning*

Our financial advisors with Eagle Strategies LLC provide personalized financial planning to our clients that is specific to several variables including their income, risk tolerance, values, and family. They work 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.

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.

Disability Insurance

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

Products available through one or more carriers not affiliated with New York Life Insurance Company, dependent on carrier authorization and product availability in your state or locality.

Financial Planning*

Our financial advisors with Eagle Strategies LLC provide personalized financial planning to our clients that is specific to several variables including their income, risk tolerance, values, and family. They work 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.

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 among which can include 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.

*Offered by qualified financial advisers through Eagle Strategies LLC, a Registered Investment Adviser.
+Neither New York Life Insurance Company nor its agents offer tax, legal or accounting advice.

Product Solutions

Our agents are trained professionals who can help you identify your financial needs and then determine which financial and insurance products can best help you meet your objectives. Some of the products we often use to serve the needs of our clients include:

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

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.

This 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 rate or charges fluctuate.

Survivorship Life

Survivorship life insurance - available as whole life, universal life or variable universal 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.

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 changes fluctuate.

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:

*Guarantees are dependent upon the claims paying ability of the issuing insurer.

Fixed Interest Deferred Annuities

With a Fixed Deferred Annuity, the interest rate on your policy is guaranteed* never to fall below a certain amount. For many people, this provides a measure of security.

Subject to a sales charge for early withdrawals and may be subject to income tax. Withdrawals prior to 59.5 are subject to a 10% tax penalty.
*Guarantees are dependent upon the claims paying ability of the issuing insurer.

Lifetime Income
Annuities

An income annuity where income payments begin immediately - one period after the annuity is purchased. 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.

All guarantees associated with Annuity Contracts are based on the claims paying ability of the issuing insurance company. Withdrawals may be subject to regular income tax, and if made prior to age 59 1/2, may be subject to a 10% IRS penalty. In addition, surrender charges may apply.

Disability and Extended Care Needs

To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses 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.

Retirement Income

Preparing for retirement is easier with the help of our guaranteed# lifetime income annuity products. You can select an immediate annuity1 that pays income right away, or a tax-deferred fixed annuity1 that allows you to set aside money until you need it. Either way, you will be assured a steady, dependable source of income for life.

Investments~

We offer comprehensive products and services to help you develop a sound, long-term investment strategy. You can choose from over 10,000 mutual funds, including self-directed, tax-deferred Individual Retirement Accounts (IRAs). We also offer products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.

Other Products

We have established relationships with other carriers, and can supply you with information on disability income insurance as well as individual and group health insurance products.2 If we don't offer it, chances are we can assist you.

~Offered by properly licensed registered representatives of NYLIFE Securities LLC (member FINRA/SIPC), a Licensed Insurance Agency.
#Guarantees are backed by the claims paying ability of the issuer.
**New York Life fixed annuities are Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation) and New York Life.
**Products available through one or more carriers not affiliated with New York Life; dependent on carrier authorization and product availability in your state or locality.

Cultural Markets

New York Life and the Westchester General Office have always been committed to serving our richly diverse community. We are proud that our office is comprised of so many diverse nationalities and it is this heritage that make us who we are. Click on any link below to learn more.

Chinese MarketChinese Market
african-american-market
Lation Marketlatino Market

Asian-indian marketAsian-indian market
Korean MarketKorean Market
vietnamese marketvietnamese Market

women market
LGBT market

African American Market

Today, as more and more African Americans are building wealth – creating assets to benefit their families, religious and social communities, businesses, educational institutions, and future generations — they are seeking knowledgeable professionals who can help them make sound financial decisions. New York Life agents in your community know how to provide personal solutions that benefit current and future generations – helping you to build, protect and preserve your assets.

Asian-Indian Market

The South Asian community, comprised of people from India, Pakistan, Bangladesh, Sri Lanka, Nepal and Afghanistan, in the United States continues to grow and prosper. Even in the midst of uncertain economic times, your commitment to protecting family, building businesses, educating children, and caring for elder family members are enduring values. Through our agents, products, and services, we are equally committed to helping you protect what matters most through life insurance, as well as helping you develop a solid retirement strategy that can provide for your retirement.

LGBT Market

Getting married, sending a child off to college, achieving financial independence, becoming an entrepreneur, helping your community thrive, leaving a legacy for future generations—these are only a few of the many dreams we aspire to. Whether your dreams are simple or ambitious, at New York Life we understand that everyone has them. New York Life is a proud supporter of the LGBT community and extend our continued support to educate, empower, and protect all communities.

Womens Market

Mother, partner, wife, career woman, business owner, caregiver, coach, breadwinner, chief financial officer for your family…and we’re just scratching the surface. The number and variety of roles women play today is astounding. So is the speed at which you’ve got to switch from one role to another and back again, without breaking a sweat, missing a deadline, or being late for a soccer game. No matter the role, you know you want to plan for a better tomorrow for yourself and your family.

Korean Market

According to the 2010 Census, more than 1.7 million people identify themselves as Korean, ranking Korean Americans the fifth largest group among Asian Americans. At New York Life Westchester, we know that you work hard to achieve your goals, take care of your family, and ensure that everything good is still present in their lives and those of future generations. We are committed to you and your welfare, and we have a long history of helping families, businessmen, professionals, and anyone interested in protecting their economic future to create simple strategies to meet their commitments and fulfill their dreams.

Chinese Market

The Chinese community is one of the largest and longest established segments of the Asian presence in the United States, accounting for approximately 23% of Asian Americans in the United States, according to the 2010 U.S. Census Data. At New York Life Westchester, we know that you work hard to achieve your goals, take care of your family, and ensure that everything good is still present in their lives and those of future generations. We are committed to you and your welfare, and we have a long history of helping families, businessmen, professionals, and anyone interested in protecting their economic future to create simple strategies to meet their commitments and fulfill their dreams.

Vietnamese Market

In the past 10 years, the Vietnamese population has significantly grown. It is the fastest growing cultural group within the East and South East Asian Markets. At New York Life Westchester, we know that you work hard to achieve your goals, take care of your family, and ensure that everything good is still present in their lives and those of future generations. We are committed to you and your welfare, and we have a long history of helping families, businessmen, professionals, and anyone interested in protecting their economic future to create simple strategies to meet their commitments and fulfill their dreams.

Latino Market


The Hispanic population in the U.S. exceeds 50 million and is projected to reach over 100 million by 2030, and a third of the US population by 2050, according to the 2010 U.S. Census. At New York Life Westchester, we know that you work hard to achieve your goals, take care of your family, and ensure that everything good is still present in their lives and those of future generations. We are committed to you and your welfare, and we have a long history of helping families, businessmen, professionals, and anyone interested in protecting their economic future to create simple strategies to meet their commitments and fulfill their dreams.

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