New York Life

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="left" valign="middle" colspan="3"> <span style="font: 13.5pt bold Arial, Helvetica, sans-serif;"> Michael J. Reid, CLU®, ChFC®, CLTC </span> <br> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>Celebrating 39 years of Service to my Clients!</b> <br> <br>4617 N. Prospect Road, Suite 26 <br>Peoria Heights, IL 61616-6484 <br>Phone: 309-682-9383 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:mreid@ft.newyorklife.com"> mreid@ft.newyorklife.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p><img alt="" src="/images/flag.jpg" style="margin: 5px 10px; width: 167px; float: left; height: 250px" />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, or guarantee your own retirement security. 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.<br /><br /><br /><br />Of course, planning your financial future can be intimidating. Luckily, you don't have to do it alone. As a New York Life Insurance Company agent, and a Registered Representative of NYLIFE Securities LLC, I can help you identify your financial needs and then determine which insurance and financial products can best help you meet your objectives.<br /><br /><br /><br />Please use my Web site as a resource, and do not hesitate to contact me for additional information or to schedule a meeting. Thank you for your interest.<br /><br /><br /><br /><small>Michael J. Reid is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of Arizona,Florida, Illinois, Indiana,Iowa,Ohio,Texas,Wisconsin. No insurance business may be conducted outside these states referenced.<br /><br /><br /><br />Michael J. Reid is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member <a href="http://www.finra.org" target="_blank">FINRA</a>/<a href="http://www.sipc.org" target="_blank">SIPC</a>, a Licensed Insurance Agency. In this regard, this communication is strictly intended for individuals residing in the states of Illinois,Indiana,Ohio and Wisconsin. No offers may be made or accepted from any resident outside the specific states referenced.<br /><br /><br /><br />Michael J. Reid is licensed to offer mutual funds and variable products. Market Watch information is provided for informational purposes and is not considered an offering of securities. </small></p> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192"> </td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/N/TA11_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td colspan="2" width="192"> </td><td width="14" valign="top" background="/graphics/N/TA11_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3219" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">The Financial State of the States </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Many state and local governments have struggled with lower tax receipts and large budget deficits — during and after the recession. This article offers a closer look at the financial pressures facing the states and how the methods used to address budget shortfalls could ultimately serve as a drag on the national economy.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3001" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Using Living Benefits for Retirement Income </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Many Americans are finding it difficult to predict how much they can save by retirement. Because traditional pensions are available to just one out of three workers today, a potential way of creating a guaranteed income stream in retirement is to purchase the guaranteed living benefits that are available with some variable annuities. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3108" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">HOT TOPIC: Understanding the Three New U.S. Trade Agreements</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Congress recently approved trade agreements with South Korea, Columbia, and Panama. They are the first U.S. trade agreements in four years. This article examines the pros and cons of the agreements and how they may stimulate the U.S. economy. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3421" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">HOT TOPIC: Breaking Down the Proposed FY 2013 Budget</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The 2013 budget released by the White House on February 13 contains proposed fiscal measures that could affect the business and investment climate, the income tax code, and government spending. Considering that Congress will debate and discuss the budget in detail, many of these measures are unlikely to become law as proposed, but they may indicate future developments. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"><img src="/graphics/spacer.gif" WIDTH="225" HEIGHT="6" border="0"><img src="/graphics/N/TA11_Account_Access_Header.gif" width="225" height="32" border="0" alt="Account Access"></td> </tr> <tr> <td width="14" background="/graphics/N/TA11_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <form name="access_links"> <select name="target_link" onChange="javascript:new_window(document.access_links.target_link.options[document.access_links.target_link.selectedIndex].value,'800','600'); self.document.access_links.target_link.selectedIndex=0"> <option value="null.htm">Choose a site... <option value="https://www.vsc3.newyorklife.com/VSCRegWebApp/login">Account Summary <option value="https://www.vsc3.newyorklife.com/VSCRegWebApp/login">Life Insurance and Annuities <option value="http://www.nylim.com/portal/site/MainStay">MainStay Mutual Funds <option value="https://www.mystreetscape.com/my/NYLIFEsecurities">NYLIFE Securities <option value="http://www.nylim.com/portal/site/retirement">NYLIM Mutual Plans <option value="http://www.upromise.com/partner/acqLandingNavbar.do?partnerName=newyorklife&ax=nyl">Upromise </select> </form> </td> </tr> <tr> <td colspan="2" width="225" height="32" valign="bottom"><img src="/graphics/spacer.gif" WIDTH="225" HEIGHT="6" border="0"><img src="/graphics/N/TA11_Personal_Folders_Header.gif" width="225" height="32" border="0" alt="Personal Folders"></td> </tr> <tr> <td width="14" background="/graphics/N/TA11_r2_c6.gif"> </td> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="2"><a href="http://www.newyorklife.com/cda/0,3254,11266,00.html" onclick="javascript:infobox(this.href,'800','600'); return false;" target="_blank"><font color="#000000">Log in or create</font></a> a Personal Folder</font> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/N/TA11_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/N/TA11_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/N/TA11_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/N/TA11_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/N/TA11_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/N/TA11_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/N/TA11_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/N/TA11_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> <tr><td colspan="3"><br><font face="Arial, Helvetica, sans-serif" size="1"><div id="copyrightDisclaimer" align="center"> <br>Securities offered by properly licensed registered representatives of NYLIFE Securities LLC (member <a href="http://www.finra.org" target="_blank">FINRA</a>/<a href="http://www.sipc.org" target="_blank">SIPC</a>). <br><a href="http://www.mikereid.com/files/NYLAgentdisclaimer.htm" TARGET="_blank"> Copyright 2012. New York Life Insurance Company. All Rights Reserved.</a> <br><a href="http://www.mikereid.com/files/NYLAgentPrivacyPolicy.htm" TARGET="_blank">Privacy Policy</a> </div></font> <iframe src="http://www.newyorklife.com/nyl/jsp/others/set_agent_id.jsp?marketerNumber=YAEJFfJKfDY%3D" style="width:1px; height:1px; display:none;" frameborder="0"> </iframe> </td></tr></table></div></body></html>