Colton White, Agent with New York Life

Colton White, Agent with New York Life Agent licensed to sell insurance through New York Life Insurance Company. Financial Advisor with Eagle Strategies, LLC I am not licensed in all jurisdictions.

I am a Financial Adviser offering investment advisory services through Eagle Strategies LLC, A Registered Investment Adviser. I am an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies. Additionally, I am a Registered Representative of and offer securities products & services through NYLIFE Se

curities LLC, (Member FINRA/SIPC), A Licensed Insurance Agency. 3720 Queen Ct SW, Suite 4, Cedar Rapids, IA 52404

Neither Your Vision Financial Group, nor New York Life Insurance Company, or its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions. Your Vision Financial Group is not owned or operated by New York Life Insurance Company or its affiliates. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success. Please contact me at 319-743-2912 to help you fully analyze your needs and recommend appropriate solutions. Eagle Strategies LLC and NYLIFE Securities LLC are New York Life Companies. AR License #19544709

An observation from dozens of client meetings...The planning conversation changes.At 30, the questions are usually:• "Ho...
07/09/2026

An observation from dozens of client meetings...

The planning conversation changes.

At 30, the questions are usually:
• "How much should I be saving?"
• "Where should I invest?"

At 55, they become:
• "Can I retire when I want?"
• "Will my money last?"
• "When should I take Social Security?"
• "Will my spouse be okay if something happens to me?"

Growth is no longer the only concern.

After decades of riding the market upwards, the focus shifts to not running out of money (scary thought for most...)

The questions change. The VISION changes.

The plan should too.

www.yourvfg.com - visit us at Your Vision Financial Group or DM me if this info is pertinent to you!

07/07/2026

Trump Accounts (IRC §530A) are HERE.

Here are three things worth knowing:

• Contributions are made with after-tax dollars.
• Investments grow tax-deferred.
• Beginning in the year the child turns 18, the account is generally treated as a traditional IRA, meaning normal IRA tax rules apply.

These don't replace other planning tools like 529s or Roth IRAs or custodial accounts, but money added to an account on our child's behalf is a nice incentive.

Love that we are incentivizing long-term saving and planning!

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If you or anyone you know is interested in planning further, feel free to DM me or visit our website www.yourvfg.com

Finished up my 6th year in the business last month. Consider myself a pretty lucky fella.Lucky to have found support at ...
07/06/2026

Finished up my 6th year in the business last month. Consider myself a pretty lucky fella.

Lucky to have found support at New York Life and Your Vision Financial Group.

Lucky to have clients who trust our process.

And most of all, lucky to have my number one lady here to patiently listen to all my work stories when I come home, good or bad. She is pretty cool.

Here's to many more to come.

Nothing like catching a Tuesday night minor league baseball game with a combined 30+ runs scored.Our team just keeps gro...
06/19/2026

Nothing like catching a Tuesday night minor league baseball game with a combined 30+ runs scored.

Our team just keeps growing here at YVFG!

This crew right here is dedicated to giving our clients the best experience possible. Grateful to be on a team like this. Couldn't imagine doing what I do without them!

SOMEONE WILL EVENTUALLY HAVE TO PAY TAXES!!! Plan on it.TWICE over the last 30 days, I've worked with families dealing w...
06/17/2026

SOMEONE WILL EVENTUALLY HAVE TO PAY TAXES!!! Plan on it.

TWICE over the last 30 days, I've worked with families dealing with inherited IRAs after the loss of a parent.

In both cases, the children were in their 50s, the parents were in their 80s, and very little planning had been done for what would happen when assets passed to the next generation.

Many people still remember the old "Stretch IRA" rules. Today, most non-spouse beneficiaries must distribute inherited IRA assets within 10 years. According to the IRS (and my own anecdotal evidence), this can result in significantly larger taxable distributions during a beneficiary's peak earning years.

What does that mean in the real world?

HIGHER taxable income. HIGHER tax brackets. Potentially THOUSANDS of dollars lost to unnecessary taxes.

Retirement planning isn't just about building assets. It's also about creating a plan for how those assets will go to the next generation.

The families that tend to leave the greatest impact aren't always the ones that save the most money, but they're often the ones that plan the best.

IRS reference:
https://bit.ly/4eyUyj1

Maggie and I's date nights look a lot different now with a little person with us.Learning a lot of life lessons as we go...
06/15/2026

Maggie and I's date nights look a lot different now with a little person with us.

Learning a lot of life lessons as we go, and I can't wait to see where life takes us.

A healthy income is simply one that is larger than what is being consumed (we have all been at the stage of life where w...
05/26/2026

A healthy income is simply one that is larger than what is being consumed (we have all been at the stage of life where we are consuming more than our income...)

A strong financial strategy around that healthy income is designed to do two things:
- Grow our "family bank" to be large enough that it eventually replaces our human capital (giving us the flexibility to work because we WANT to, not because we HAVE to)
- Give us a nest egg that is capable of supporting the things we care about ON THE WAY to that place (do things with the family, seize business opportunities, buy that lake house we have always dreamed of)

It all depends on YOUR VISION.

What do you want your life to look 5 yrs, 10 yrs, 30 yrs from now?

Variable vs Fixed assets - which is better?Variable - the day-to-day trade in value fluctuates, but generally investment...
05/19/2026

Variable vs Fixed assets - which is better?

Variable - the day-to-day trade in value fluctuates, but generally investments are placed here to see a better potential for rate of return over a longer period of time (as long as we are invested in fundamentally good asset classes)

Fixed - fixed means they cannot go down in value and we know they will be there when we absolutely need them. Most likely earning some kind of fixed interest or stated dividend.

Neither is "better" than the other. We own them for different reasons. The ratio between the two depends a lot on lifestyle, age, risk tolerance, whether or not you own a business, and overall personal preference.

What becomes dangerous is being overweighted in either asset class.
- Predominantly variable = prone to large market swings and potential poor timing decisions.
- Predominantly fixed = losing out on long-term growth opportunities and potential for loss of purchasing power.

Happy to answer questions about the split that would most fit your lifestyle.

Annual YVFG Bowling outing from last week. Lucky to be surrounded by great people.
04/06/2026

Annual YVFG Bowling outing from last week.

Lucky to be surrounded by great people.

Always a pleasure speaking with the Local 125 here in Cedar Rapids. Great group of guys, very receptive to what Scott an...
03/31/2026

Always a pleasure speaking with the Local 125 here in Cedar Rapids. Great group of guys, very receptive to what Scott and I had to say.

We’ve been spending more time with the trades lately, and it’s clear how much opportunity (and complexity) comes with all the new projects going on right now in eastern Iowa. There’s a lot happening, and having a solid plan in place matters.

These guys at the 125 specifically are doing a great job building our community. Anyone interested in the trades - 125 will take care of you.

Address

3720 Queen Court SW, Unit 4
Cedar Rapids, IA
52404

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 4pm

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