Marcia Beckford, Registered Representative with Nylife Securities LLC

08/27/2024

Student loans are among the biggest debts for Americans. Lowering these debts can provide significant financial relief. This article discusses ways to reduce your monthly payments amidst recent changes in student loan relief.
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If you have questions about how student debt affects your finances, please contact me.

08/13/2024

Top Olympic athletes' rigorous training, dedication, focus, and adaptability are key elements of financial success. Understanding their approach to finances offers valuable insights. Read more about how top-tier athletes' handle their strategies here:
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If you have any questions about reaching your personal financial goals and would like to discuss your strategies, please feel free to contact me.

07/23/2024

Mortgage rates have risen, making home affordability more challenging, but many continue to buy. If you’re looking for a new house, it's crucial to maximize your finances. Here are some tips to reduce the impact of high interest rates on your wallet and monthly payment.
If you have questions about personal finances and buying a home, please feel free to contact me.
https://nyl.co/4cPVX2F

07/15/2024

If you’re planning to retire in the next few years, it’s important to be prepared. Taking steps now to manage your finances can help you enjoy your golden years with fewer concerns. Here’s a great article with five tips to make your retirement a little sweeter.
If you have questions about reaching your retirement goals, please feel free to contact me.
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06/25/2024

The reality is, it's never too late to work on your retirement dreams. Read this interesting article to find out more. Read about 3 general reasons you can still successfully plan for retirement, no matter when you start.
For more about information on the topics mentioned in the article and your personal retirement strategy, please feel free to contact me.
https://bit.ly/3xwDpF4

06/19/2024

Today is a day of celebration and hope, as we reflect on the struggle for equality African Americans have faced throughout history.

06/11/2024

We’ve got some answers to questions like what is inflation, really? What causes it? And how will it affect your personal finances? Read this insightful article to find the answers to some of the most frequently asked inflation-related questions.
If you like to talk about how today’s inflation may be affecting your own personal finances and what you can do about it, please reach out.

What does inflation actually mean? And how can it impact your financial situation?

05/22/2024

In today’s economic landscape, financial stability is becoming more elusive than ever. But there is a solution – diversifying your income. What does that mean and is it a right strategy for you? Read this interesting article to find out more.
For more about income diversification and your personal financial strategies, please feel free to contact me.
https://bit.ly/3WM7n29

05/08/2024

There are a lot of important reasons to save money, everything from emergencies and education to vacations and retirement. But are we saving what we should? Take a look at this interesting article to find out how much the various generations are actually saving. It may surprise you.
If you would like to talk about your savings plan or personal finances, please reach out.
https://bit.ly/3y9XdOB

04/27/2024

Spending the day at work with your child is a great way to start educating them about the value of financial independence, budgeting, and saving. Here are some tips to help you get started. If you have any financial questions yourself, I'm here to help!
https://bit.ly/3JDh0by

04/22/2024

One reason why many people get overwhelmed with money management is they have too many accounts. It can quickly get messy and confusing. Here are some easy steps to get your finances streamlined and more manageable.
https://nyl.co/3UaDwNT
If you have any questions about managing personal finances, I’ll be happy to help.
https://bit.ly/49MegmQ

04/18/2024

Life insurance is about more than just protection—it’s about exploring life’s possibilities with confidence, knowing you and your loved ones are taken care of. From saving for college to preparing for retirement (and everything in between), reach out to learn why having someone in your corner who understands your needs can make all the difference.

You’ve come a long way; we’d like to help you go even further. New York Life is tailoring solutions to meet the needs of the LGBTQ+ community.

04/18/2024

This week on the Market Matters podcast, the Global Market Strategy team at New York Life Investments launches their new economic outlook series: Macro Pulse. Tune in for their updated views on the global macro cycle themes impacting asset allocation.
https://bit.ly/3TW1fBm

04/08/2024

Did you finish your taxes? Great! Take a breath and relax. Now think about how you're going to spend your tax returns. While I'm sure you can think of plenty of fun ways, as a financial professional, I'd be remiss if I didn't suggest paying off your credit card debt, putting it in savings, or using it to purchase more coverage. For even more financially savvy suggestions, reach out.

Whole life insurance can be a great investment for you and your family. Learn how this type of investment can support your financial goals.

04/08/2024

This years’ tax deadline is fast approaching! Feeling the pressure? Don't sweat it, you're not the only one. Many people are hustling to get everything sorted out in time. This year, New York Life has put together a handy guide with tips to help ease the deadline frenzy.
If you have any questions about your taxes or personal finances, please reach out. For tax advice please consult your tax professional.

04/04/2024

Employee life insurance can be a desirable benefit, but it also has its limits. For one, you can't take it with you when you leave your job. This National Employee Benefits Day, learn how individually-owned life insurance from New York Life can give you more options—and more coverage—and reach out if you want to talk.

Employer provided life insurance is a valuable benefit, but it's not always enough. Learn how to supplement your policy's coverage from a New York Life agent.

04/02/2024

As the primary caregivers in our society, women know the importance of having a strategy for long-term care. Help protect your future and those you love. Click here to learn more.

Retirement is costly, especially if you need help taking care of yourself. Protect your comfortable lifestyle with long-term care insurance from New York Life. 

03/26/2024

Sudden, unexpected expenses can happen at any time. Finding ways to both prepare for and endure those difficulties is called financial resilience, and it should be part of your personal financial strategy.
In the meantime, if you have any questions about making your personal finances more resilient, please feel free to reach out. I’ll be happy to help!
This article is a great place to start:

See results from New York Life's Wealth Watch survey 2024 outlook.

03/12/2024

During Women’s History Month, join us in celebrating the countless contributions of women in our society. It’s a time to honor the remarkable women of the past who paved the way, as well as those today who continue to forge new paths. Take a moment to recognize the important women in our own lives who make a meaningful difference—not just during this month, but every day of the year.

02/28/2024

Saving for retirement is critical. According to the Federal Reserve, over half of families have retirement accounts like 401(k)s and IRAs, but the median balance of those accounts might surprise you. Check out this article to find out where you stand in retirement savings:

https://bit.ly/3SSUcsF

If you have any questions about making plans for your retirement, please feel free to reach out. I’ll be happy to help!

02/19/2024

Wishing everyone a day filled with family, unity, and the spirit of democracy as we honor and reflect on the leaders who shaped our great nation.

02/14/2024

Popular among Gen Z and Millennials, ”Loud Budgeting” is making the frugal lifestyle cool. to save money. It’s about being loud and proud of being on a budget, living less expensively and saving money. Learn more at here:
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Regardless of age, considering this approach makes financial sense. Contact me for budget assistance or any questions about your finances.

02/08/2024

Cards and candy can be a great way to tell someone you love them, but the best way to show them is by providing reassurance and stability. This , show your loved ones you're in it for the long haul and learn why life insurance is the best way to say, "I love you".
https://nyl.co/49768ho

01/15/2024

Today, we honor the legacy of Dr. Martin Luther King, Jr., whose powerful words and tireless efforts continue to inspire positive change.

01/11/2024

We know how important and impactful finances can be in your life. Read this article to see how making New Year’s resolutions today could put you on a permanent course to futureproof your finances.
https://nyl.co/4b5Efb1
If you have any questions about your financial situation, please feel free to reach out. I’ll be happy to help!

01/01/2024

Happy New Year! May the closeness of your family, friends, and loved ones fill your heart with joy this year and all the years to come.

12/28/2023

One key to a more secure retirement.
Research shows that many people close to retirement age have significant holes in their retirement plans, which can leave them financially at-risk during retirement. The solution lies in long-term planning. Check out this helpful article for steps you can take.
https://bit.ly/48sVFg1
If you have any questions about your retirement, please feel free to reach out. I’ll be happy to help!

12/24/2023

May this holiday season bring happiness, joy, and prosperity to you and your loved ones.

12/18/2023

The IRS has released higher federal tax brackets for 2024 to adjust for inflation. Take a look at the increased standard deductions and the adjustments for other tax provisions, in this article.

The IRS on Thursday announced higher federal income tax brackets and standard deductions for 2024. Here's what taxpayers need to know.

12/12/2023

Wrap up your holiday spending, now.
Keep your Holiday Season spending in check by following a few budgeting tips – that way, you're in charge, not the other way around! Here’s a great article to get you started: https://bit.ly/46WzBJ5
If you have any questions about developing a budget or your personal finances, please don’t hesitate to reach out. I’m here to help.