Products

Investments#: Zach works with Eagle Strategies LLC as an Investment Adviser and through them offers Managed Investment Accounts. This type of relationship is ideal for those clients that want us to handle the details and provide you with ongoing investment advice. Account types available include Retirement accounts, Individual and Joint Accounts, as well as Trust accounts. These are fee-based accounts based on the dollar amount under management. The Advisor fee ranges from 0.5% to 1.2% depending on account size. Our focus is on well-diversified portfolios built for long-term growth.

For those clients who prefer a commission-based relationship with their advisor, Zach works with NYLIFE Securities. We offer 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 (such as 401ks) and defined benefit plans. The commission will vary based on product type and investment size. Zach can provide you with the exact details based on your situation.

Life Insurance: Life insurance is an effective way to help protect your family's lifestyle and future, and we offer several types of life insurance that can be tailored to your unique needs. Some provide temporary protection for shorter-term needs, while others are best for long-term or permanent protection. Permanent life insurance policies can even provide a cash value that may grow tax-deferred over time. Your cash value can be accessed to help supplement your retirement income when your protection needs decrease later in life, or for any other major life need such as paying for a child's college expenses.*

Long Term Care Insurance: Going through life may require a little help along the way. So if you're planning ahead, long-term care insurance may help protect you or a family member's future and help preserve the assets you've worked so hard to build.

Annuities: We offer multiple different types of annuities that can fit a variety of needs. For example, Variable Annuities can offer investment returns, but with a floor on potential losses. If you're preparing for retirement and concerned about a stable source of income in retirement, consider one of our guaranteed income annuity products^. can select an immediate annuity which starts paying income right away (usually within 12 months), or a deferred income annuity which allows you to put money away now for lifetime income payments that start when you need them in the future^. Either way, you can rest easy knowing you'll always have a steady income stream when you need it most. Finally, if you are in a situation where you have too much money coming in during retirement (this could happen if your Required Minimum Distributions (or RMDs) are larger than you need to live on), you may want to consider a Qualified Longevity Annuity Contract, or QLAC. You can transfer up to 25% of your IRA account value into a QLAC. You will lose access to the lump sum but gain a guaranteed future income stream. The amount added will be excluded from your RMD calculations and you can differ the income start date up to age 85. The amount of your future payments will depend on various factors include age and sex of the annuitant, amount of transfer, and how long you differ the income. We can help provide you with the details.

Disability Insurance: We offer multiple different types of Disability Insurance from various carriers. This helps protect you and your loved ones should you become disabled during your working years. We can help you design a policy to replace the desired percentage of your income for a length of time of your choosing should you become disabled before reaching retirement.

 

* Accessing cash value will reduce the available cash surrender value and death benefit of the policy.

^Early withdrawals may incur charges. In addition to paying income taxes that may be due, distributions from annuities before 59 ½ may also be subject to a 10% federal tax penalty.

# Securities products and services are offered by properly licensed registered representatives of NYLIFE Securities LLC (a licensed insurance Agency) or by properly licensed Financial Advisers of Eagle Strategies LLC. Both NYLIFE Securities and Eagle Strategies are Member FINRA/SIPC and New York Life Companies.