Joel Ramirez, Agent with New York Life

Don't forget: "The same boiling water that softens the potato hardens the egg. It's about what you're made of, not the circumstances."

Simple steps for smart estate planning

The average Millennial, age 21 to 36, has 52% of their savings in cash, a far higher percentage than any other age group. While it’s okay to be cautious, there may be better, more productive ways to protect your wealth. Let’s talk.

"Even though there are days I wish I could change some things that happened in the past, there’s a reason the rear view mirror is so small and the windshield is so big, where you're headed is much more important than what you’ve left behind."

"If a leader demonstrates that his purpose is noble, that the work will enable people to connect with something large more permanent than their material existence people will give the best of themselves to the enterprise" ~Mihaly Csikszentmihalyi