Jemal S. Carter, Chfc, CLU l Sr. Development Manager l with New York Life

Make Your Smartest Year-End Financial Moves
Big tax changes are coming — are you prepared? Join New York Life and industry expert Greg Holmgren, for a focused live seminar on the key decisions to consider before December 31.

He’ll break down gifting strategies, RMD timing, and how upcoming tax rules could impact your short- and long-term plans. Walk away with clear, practical tips you can use right away.

Date: December 11, 2025
Time: 3 p.m. EST | 2 p.m. CST | 1 p.m. MST | 12 p.m. PST | 11 a.m. AKST | 10 a.m. HST
RSVP: Register now: https://bit.ly/3XKvqhd
Registration Code: 116306

Reserve your spot today and finish the year with confidence.

Join us for the Macro Balance Strategy Seminar!
Discover how merging asset allocation with tax-diversity can help you build and keep more retirement assets. Learn practical strategies to find financial balance and increase your net spendable retirement income.
Date: 12/9/2025
Time:6:00 PM EST
Location: https://bit.ly/4inGv1c
RSVP: Mel Carter
This seminar is for informational purposes only. Neither New York Life Insurance Company nor its agents or affiliates provide tax, legal, or accounting advice. Please consult your own professional before making any decisions.