Harriet A. Spear

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, guarantee your own retirement security or protect your estate. These things won�t happen by accident. 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. 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, and a Registered Representative of NYLIFE Securities LLC at 840 Crescent Centre Drive, Suite 500, Franklin, TN, 37067, I am a trained Financial Services Professional who can help you identify your financial needs and then determine which insurance and financial products can best help you meet your objectives.