This document discusses financial planning strategies to help achieve financial goals such as charitable giving, estate conservation, business continuation, tax efficiency, reducing risk through diversification, maximizing qualified plan contributions, overpowering inflation, planning for major purchases, emergencies, college education, retirement, and protecting what you earn, own, owe, and your loved ones. It encourages developing a progressive financial plan using both defensive and offensive planning to prioritize goals and achieve potential financial success and security.

1. About Your Financial Needs
For educational purposes only.
Needs
Pyramid
Pass Along
Assets
Progressive
Planning
Aggressive
Planning
Potential
Financial
Success
Potential
Financial
Security
Defensive
Planning
Offensive
Planning
Prioritize Goals
• Charitable Giving
• Estate Conservation
• Business Continuation Planning
• Consider Tax Efficiency
• Diversify to Reduce Risk
• Maximize Qualified Plan Contributions
• Overpower Inflation
Plan For
• Major Purchases
• Emergencies
• College Education
• Retirement
Protect
• What You Earn
• What You Own
• What You Owe
• Those You Love
New York Life Insurance Company
New York Life Insurance and Annuity Corporation
(A Delaware Corporation)
51 Madison Avenue, New York, NY 10010
www.newyorklife.com
V5_AR05727.RB.112014 SMRU1627423(Exp.10.22.2016)