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This article explores demographic trends that are dimming Social Security's financial outlook and proposals to address the looming shortfall. Gwendolen Blair is an agent licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the states of AR (AR Insurance LIc. #7434153),L A, TX, OK, TN, IL, and CO, .

No insurance business may be conducted outside these state(s)unless licenses are acquired. Gwendolen Blair is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency 1620 Main St. Little Rock, AR 72206, (501)375-1701. In this regard, this communication is strictly intended for individuals residing in the states of AR, LA, TX, OK, TN, IL, and CO.

No offers may be made or accepted from any resident outside the specific state(s) referenced. Empire Financial Architects is not owned or operated by NYLIFE Securities LLC or its affiliates.
Services
Preserving and growing your financial wealth requires sound counsel and expertise in a number of areas.
At Empire Financial Architects, we can offer you and your family a broad range of services.
Through collaboration with you and your other advisors, we can assess the impact of state and federal taxes on your estate and suggest strategies designed to minimize those taxes, while meeting your personal philosophies and family needs.
Our unique approach provides knowledge and clarity to help you make clear and confident financial decisions in today's dynamic market.
With the vast amount of information and products available in today's financial supermarkets, you can pay a big price to try on the wrong solution.
We set our sights on helping you find the right solutions through a team approach with your tax and legal advisors.
Whether it's simply helping you reposition your assets or implementing a complex series of tax- advantaged strategies, we will make it easier for you to make the right decision.
At Empire Financial Architects, we spend most of our time understanding what's important to you, not on promoting the product of the day.
Empire Financial Architects professionals are proud to be affiliated with New York Life Insurance Company.
New York Life and its wholly-owned subsidiaries provide life insurance, annuities, long-term care insurance, and mutual funds.
A mutual insurance company, New York Life is the largest mutual individual life insurance company in the United States* and holds the highest possible financial strength ratings currently awarded to any life insurer from all four of the major credit rating agencies: A.M. Best (A++), Fitch (AAA), Moody's Investor Service (Aaa), Standard & Poor's (AA+).
Our financial calculators are designed as educational tools to help you estimate answers to common financial questions.
They are not intended to predict future returns or results.
These calculators are hypothetical examples used for illustrative purposes and do not represent the performance of any specific investment or product.
Rates of return will vary over time, particularly for long-term investments.
Investments offering the potential for higher rates of return also involve a higher degree of risk of loss.
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