The Garback Agency

Market volatility is part of the investing process. More than 7 times a year investors should expect pullbacks of 3 percent and, at least once a year (since 1928), investors should be prepared for a 10 percent correction. When viewed from a historical perspective, recent market activity isn't as abnormal as one might think.

This morning, we rang in Prudential’s 150th Anniversary at the New York Stock Exchange. Our Chairman & CEO, Charles F. Lowrey, was joined by company executives and special guests on the podium as he rang the ceremonial opening bell, marking a significant milestone in our history. ? As we commemorate 150 years, we take a moment to reflect on our past, embrace the present, and look to the future as we help even more people live a better life, longer. ? A special thanks goes to our employees and customers around the world. We are grateful to have you on this journey with us! And thank you to the New York Stock Exchange for welcoming us to participate in this historic tradition. #PruProud NYSE

We'd love to introduce you to our team—there are a few new faces around here! Join our exclusive webinar on March 25th at 6:00 PM EST via Zoom as we break down what financial planning really means, why it’s essential, and how our process sets you up for success. ? Get a first look at our financial dashboard, explore your options, and learn about our pricing.

We always enjoy our annual Firm Kick Off meeting, but this year was exceptional. We’re feeling energized and excited about what 2025 will bring! A special shoutout to our very own, Danielle Veloso, CPA, CFP?, who shared invaluable insights as part of the financial planning panel discussion—your expertise continues to inspire us all!

?? Winter is here, and we've got you covered with the best places to visit in the United States. Whether you're looking for a snowy adventure or a sunny escape, there's something for everyone! ?? For the winter sports enthusiasts, we recommend: Jackson Hole, Wyoming Sun Valley, Idaho Burlington, Vermont ??? If you prefer to stay indoors and explore the city, consider: St. Louis, Missouri Louisville, Kentucky Pittsburgh, Pennsylvania ?? For those who want to escape the cold and soak up the sun, check out: St. George, Utah Palm Springs, California Key West, Florida Sarasota, Florida South Padre Island, Texas Honolulu, Hawaii And for a mix of both, Asheville, North Carolina, offers mild winters and beautiful landscapes! We hope this guide helps you plan your perfect winter getaway! #WinterTravel #WinterDestinations #TravelGuide Source: https://lnkd.in/eKcXFxpp

? We’re excited to share that our integration with LPL Financial is complete! ? As a proud Prudential Advisors firm, we’ve been working hard to make this transition seamless for our clients while introducing the exciting enhancements. This integration brings new capabilities through LPL’s innovative technology. Clients can now benefit from an expanded suite of financial tools and more comprehensive product offerings. We remain part of Prudential Advisors, backed by its trusted legacy and commitment to your financial success. Thank you for your patience and trust throughout this process. We look forward to continuing to serve you with enhanced resources and personalized care. Warmest regards, The Garback Agency

The ninth and final pillar is Estate Planning Strategies! Have you ever thought about the legacy you wish to pass on to future generations? Estate planning strategies help us help you create a comprehensive plan so that your assets are distributed according to your wishes after your passing. According to a survey by Caring.com, nearly 70% of adults in the U.S. do not have a will or estate plan, which can lead to unintended consequences for your loved ones and potential disputes over your assets. We discuss your goals, and we provide estate planning attorney contact suggestions for you to establish the appropriate business partner structures and strategies to potentially minimize taxes, avoid probate, and provide for your family’s future. Advance Estate Planning Strategies not only protects your legacy but also serve as a reminder that your wishes will be honored and your loved ones will be taken care of. It's about creating a meaningful impact for your loved ones and the purposeful initiatives you care about. #FinancialPlanning #TheGarbackAgency Douglas Garback and Danielle Veloso offer financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. Their compensation may be based on a combination of fees and commissions. The Garback Agency is not affiliated with The Prudential Insurance Company of America and its affiliates, including Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255.

According to the U.S. Department of Health and Human Services, approximately 70% of individuals aged 65 and older will require some form of long-term care during their lifetime. Pillar number eight is Critical Long-term Care! By discussing your long-term care preferences, we can identify the appropriate coverage options to protect your assets and help ensure you receive the necessary care without placing a financial burden on your family. Devising a robust strategy for long-term care will allow you to maintain control over your future health decisions and receive the care you desire. #FinancialPlanning #TheGarbackAgency Douglas Garback and Danielle Veloso offer financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. Their compensation may be based on a combination of fees and commissions. The Garback Agency is not affiliated with The Prudential Insurance Company of America and its affiliates, including Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255.

Having a safety net in place in case an unexpected illness or injury prevents you from working is why Disability Insurance is one of our financial planning pillars. A similar process to Survivor Needs, evaluating your current coverage and financial situation allows us to determine the appropriate level of protection needed to maintain your lifestyle and meet essential expenses. Disability insurance serves as a crucial component of your overall financial plan so that you and your family will be financially secure during challenging times if they occur. We can help you select a policy that offers the right balance of coverage and affordability, ensuring you're prepared for whatever life may bring. #FinancialPlanning #TheGarbackAgency Douglas Garback and Danielle Veloso offer financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. Their compensation may be based on a combination of fees and commissions. The Garback Agency is not affiliated with The Prudential Insurance Company of America and its affiliates, including Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255.

Pillar number six in our financial planning process is Survivor Needs! An example of survivor needs is life insurance. In the event of your passing, it is important your loved ones are protected. Evaluating your current coverage helps our team identify any gaps and determine the appropriate amount of life insurance necessary to cover essential expenses, debts, and future financial goals, such as education costs or mortgage payments. By understanding your family's unique needs, we can help create a tailored plan that provides financial solace, knowing that your loved ones will have the support they need to maintain their quality of life. Prioritizing survivor needs helps ensure that your legacy lives on and that your family can navigate difficult times with financial stability. #FinancialPlanning #TheGarbackAgency Douglas Garback and Danielle Veloso offer financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. Their compensation may be based on a combination of fees and commissions. The Garback Agency is not affiliated with The Prudential Insurance Company of America and its affiliates, including Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255.