My Services

As a New York Life agent, I am here to help guide you through the often overwhelming process of creating an insurance and financial blueprint.
I will work with you to:

  1. Review your individual situation and personal objectives. Every family’s financial situation is unique. That’s why it’s so important to find out as much as I can about you and your financial goals. The more I know about you, the more precise recommendations I can make and the more I can help you. As a result, I may take some time to discuss your hopes, dreams and objectives — the things that really matter to you.
  2. Analyze and review your needs. As needed, I will work with you to identify and prioritize your objectives, and then help establish benchmark goals. This is important because we live in a world of unlimited choices. People often fail to achieve objectives because they try to accomplish too much at once, or they don't attach specific deadlines to their goals. By breaking down your goals to specific objectives, you can look at available resources and decide which goals are realistic, which need to be adjusted and scaled down, and which simply must be abandoned.
  3. Develop and implement a strategy to help you achieve your goals. Based on our conversation and analysis, I can recommend some insurance and financial products that can help you achieve your financial goals.
  4. Coordinate your financial activities. If you would like, I can also coordinate your insurance and financial activities for you with the other members of your team of financial, tax and legal advisors.
  5. Monitor progress; provide ongoing service as your needs and situation change over time. Planning is not a one-shot deal. Strategies need to be adjusted periodically as your life changes. I will work with you over the years to help keep your program on track with your changing needs.

I will evaluate your needs and show you how to meet a variety of long-term insurance and financial goals. Our service will help provide, through the use of life insurance and financial products, affordable ways to create liquidity that may be needed to protect you, your estate, your business and ultimately, your heirs. Along with the recommendations of your other professional advisors, I can help coordinate your plans that reflects your needs and goals. Please feel free to contact me for more information on how to coordinate your business and personal affairs. Estate Conservation With proper planning with your advisors, carefully designed strategies can help protect your estate from taxation and help ensure liquid assets will be available to help pay the taxes and settlement costs your heirs may face. Life insurance can be a valuable asset because it can help provide heirs with the funds they may need. Business Succession One of the steps you can take to provide for the continuation of your business may be to establish a buy-sell agreement to cover a buy-outdue to death or disability. We can help your business survive to the next generation by offering insurance and financial products specifically designed to help meet your objectives. Retirement Options Deciding whether to take your full pension benefit, or taking reduced benefits in exchange for continued benefits for your spouse is an important decision to make. We can help analyze your available options and offer insurance and financial products to help with supplementing your pension income for you and your spouse. Personal Goals I can show you a variety of insurance and financial products that may help you today and in the future. Life and disability income insurance** can provide for you or your family if you die or become disabled. We can provide insurance and financial products for: Products: Life Insurance Annuities Disability Income Insurance Long Term Care Insurance Mutual Funds# #Securities offered through NYLIFE Securities LLC, (member FINRA), A Licensed Insurancey Agency & New York Life Company. Personal Strategies For: Education Funding Mortgage Protection Retirement Funding Estate Conservation Charitable Giving Gifts to Children/Grandchildren Business Planning For: Buy-Sell Funding with Life Insurance Deferred Compensation Funding with Life Insurance Executive Bonus Plans with Life Insurance Key Person Protection with Life & Disability Income Funding for Qualified Plans (SEP's, TSA's, Keogh's,401(k)'s) Funding for Salary Continuation Plans** **Products available through one or more carriers not affiliated with New York Life Ins. Co.; dependent on carrier authorization or product availability in your state or locality. For information or a no obligation meeting with Otto, please call (716) 626-7300



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