Having control over your day-to-day finances 

Money is personal, and emotional, but it doesn’t have to be scary. Understanding how your day-to-day finances and your emotions are connected can help you take more control of your financial situation.

Easy steps for starting "surprise” fund 

Surprises happen, and they can get very expensive. Whether you have a Surprise fund already or not, these easy steps can help you feel secure and prepared for any future surprise expenses.

Budgeting for a non-budgeter

Budgeting doesn’t have to be a scary word. Take the fear out of budgeting with these simple tips, tricks and ideas to help even the most beginner budgeter get started. 

7 questions to ask a financial professional 

Finding the right financial professional can feel daunting. Whether you find a potential financial professional via a referral, or your own research, asking them these questions can help you determine if they’re the right fit for you and your finances.

3 reasons the human element is still important for financial guidance

From budgeting to banking to investing, there’s an app for just about every part of your personal finance, but can an app really offer the same service as a real human? Here’s why you should consider managing your finances IRL

How to get the most out of your extra cash 

Having a little bit of extra cash saved up is a luxury, but are you really making the most of it? Here are some ways you can make sure your extra savings are being put to good use.

3-step checklist for selecting a financial professional 

On the hunt for a new financial professional? From fees to services to how often you speak, narrowing down your options isn’t easy, but starting with these three things, you can help find a professional that’s right for you.

Preparing for retirement over the decades 

What does it really mean to be ready for retirement? Whether retirement is decades away, or just around the corner, here are some general guidelines for how you should be thinking about retirement over the decades.

Having a child this year - Here's how much it will cost to pay for their education

One of the biggest expenses in a child’s life is their education – but how much will college cost by the time your newborn is ready to hit the books? Here’s how much it will cost, and some tips to help prepare for the expense.

Should you combine your finances after getting married? 

Whether or not to tie your finances together after you’ve tied the knot is a big question for all newly married couples. Here’s what you need to consider before making the decision.

Starting a family: the total cost of a baby in 1983 versus today 

Having a child has always been a big decision, and a big expense, but how much more do new parents today have to pay than their parents did? Here’s what it costs to raise a child in 2023, compared to 1983, and advice on how to manage the expense.

5 things to do after divorce to help build financial freedom

Divorce is a reality that half of married couples will face in their lifetime - it’s an emotionally challenging time for most, but bringing a thoughtful approach to your finances throughout the process can ensure that you come out on the other side prepared for your new life.

4 ways to cut your tax bill in retirement 

Retiring this year? One of the biggest changes you may face in retirement comes on your annual tax return – here’s how you can make sure you take advantage of these 4 tips for cutting your tax bill in retirement.

5 things that trigger your tax planning going from online-only to a tax professional 

Depending on your situation, tax season can become very complicated. As your life situation changes, so does your tax situation. Here are 5 signs that your tax situation is getting complicated enough that you might need to consult a tax professional.

Simple ways for small businesses to provide financial wellness programs for their employees 

As a small business owner, your employees are your strongest asset. A financial wellness program can be an easy, and scalable, way to show your employees that you are there to support them in their lives at work and at home. Here are some ideas to help you get started.

How to protect your small business from a lawsuit

Lawsuits are a reality that many people face today. You can be sued for almost anything, so what steps can you take as a small business owner to protect yourself, and ideally, avoid a lawsuit before it even happens?

What you need to know about retirement plans as a small business owners

When you started your small business, maybe you didn’t imagine how big your staff would grow. Establishing financial benefits like retirement plans is a crucial way to attract and retain good employees – here’s everything you need to know to get started.

Financial basics for your high school graduate 

Leaving home for the first time can be a challenging time for parents and children. To make sure your new grad is ready to face life away from home, here are some financial basics you can teach them today to set them up for financial success in the future.


James Reeves 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 AZ, CO, FL, GA, IA, ID, IL, IN, ME, MI, MN, NE, NJ, OH, OR, SD, TX, and UT. No insurance business may be conducted outside the states referenced.

James Reeves is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 2355 E Camelback Rd Ste 750, Phoenix, AZ, 85016, 623-777-1774. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CO, GA, IA, ID, IL, IN, ME, MI, MN, NC, NE, OH, OR, SD, TX, and UT. No offers may be made or accepted from any resident outside the specific states referenced.

James Reeves is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AZ, CO, GA, IA, ID, IL, IN, ME, MI, MN, NC, NE, OH, OR, SD, TX, and UT. As such, these services are strictly intended for individuals residing in the states referenced.

AGUA FRIA FINANCIAL GROUP is not owned or operated by NYLIFE Securities LLC or its affiliates.​

Neither AGUA FRIA FINANCIAL GROUP nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.​