Investments

Strategic Investments: Growing Your Wealth for a Brighter Future

Investing is the engine that drives your financial plan forward. While saving is essential for security, strategic investing is what allows your money to work for you, creating the potential for growth that can outpace inflation and help you achieve your most ambitious long-term goals. Whether you dream of funding a child’s college education, purchasing a vacation home, or simply building a substantial nest egg, a well-designed investment strategy is paramount. At Adrian Alexander Aguayo – New York Life Insurance, we help you navigate the investment landscape with clarity and purpose, aligning your portfolio with your personal risk tolerance, time horizon, and financial objectives.

Our Investment Philosophy

Our approach to investing is disciplined, client-centric, and focused on the long term. We don’t chase fleeting market trends or make speculative bets. Instead, we believe in building diversified, resilient portfolios designed to weather market volatility and deliver consistent progress over time. Our process begins with a comprehensive discovery session where we learn about you: your financial situation, your experience with investing, and your feelings about risk. This understanding forms the basis of your personalized Investment Policy Statement, a blueprint that guides every decision we make on your behalf. Through our partnership with New York Life and its affiliates, we offer access to a wide array of professionally managed investment solutions and cutting-edge market research.

Our Range of Investment Services

We provide access to a diverse set of investment vehicles and strategies to build a portfolio that reflects your unique needs.

Mutual Funds: Diversification and Professional Management
Mutual funds pool money from many investors to purchase a diversified portfolio of stocks, bonds, or other securities. This provides instant diversification, which is a key strategy for managing risk. Instead of buying individual securities, you gain access to a professionally managed portfolio tailored to specific objectives, such as growth, income, or a balance of both. We can help you select from a wide range of funds to construct a portfolio that matches your goals.

Annuities: Creating Predictable Income Streams
Annuities are long-term investment products issued by insurance companies designed to provide a reliable stream of income, typically during retirement. They can be a powerful tool for those seeking to convert a portion of their savings into a guaranteed paycheck for life.

• Fixed Annuities: Offer a guaranteed interest rate for a set period, providing predictable, stable growth.
• Variable Annuities: Allow you to invest in a selection of sub-accounts (similar to mutual funds), offering the potential for higher growth, though with market risk.
• Indexed Annuities: Offer growth potential linked to a market index, like the S&P 500, while also providing protection from market downturns.

Managed Accounts and Brokerage Services
For clients seeking a more hands-on or professionally managed approach, we offer access to managed accounts through our affiliation with Eagle Strategies LLC, a Registered Investment Adviser. In a managed account, a professional portfolio manager makes investment decisions on your behalf, building and maintaining a portfolio customized to your specific needs. We also provide traditional brokerage accounts, giving you access to a wide range of investment products, including stocks, bonds, and Exchange-Traded Funds (ETFs).

Education Funding Strategies (529 Plans)
Planning for a child’s or grandchild’s education is one of the most meaningful investments you can make. We can help you establish and manage a 529 plan, a tax-advantaged savings vehicle designed specifically for education expenses. Contributions may be state tax-deductible, and withdrawals for qualified education expenses are federally tax-free.

Your financial future is too important for guesswork. Together, let’s build an investment strategy that is as unique as your dreams. Contact us to begin the conversation about growing your wealth with purpose and precision.