As with most other things in life, the key to achieving your long-term financial objectives is planning. Your goal may be to fund your children’s college education, protect your family during your working years, pay for a wedding, guarantee your own retirement security, leave a legacy or ensure your dignity of life should you become unable to care for yourself. These things won’t happen by accident, and, as you know, hope is not a plan. It’s important to determine what you’d like to achieve financially and then map out a strategy that will help you meet those goals. Do remember, if you are not planning for your own future, no one is. The good news is that it’s never too late to start.Of course, planning your financial future can be intimidating. Luckily, you don{t have to do it alone. As a New York Life insurance agent, I am a trained professional who can help you identify your financial needs, and then determine which insurance and financial products can best help you meet your objectives, being considerate of your risk sensitivity and planning for potential changes in the tax codes. This may include life insurance in Roseville, CA and/or investments1such as mutual funds1or annuities3.Starting with the basic building block of insurance in Roseville, CA, for instance, you can provide protection and security for your loved ones in case of your premature passing. Permanent life insurance in Roseville, CA can also be used as a source of tax-free income in retirement, after your death benefit needs have decreased. Disability income insurance2in Roseville, CA may also be an important consideration for you and your family. In addition to life insurance in Roseville, CA, you might want to consider investments such as a traditional IRA and/or a Roth IRA, Variable Annuities1or Lifetime Income Annuities3 to round out your retirement or legacy portfolio. I also offer Long-Term Care Insurance.