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As with most other things in life, a 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. Of course, planning your financial future can be intimidating. Luckily, you don't have to do it alone. Sunil Shah 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. Sunil Shah 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.