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Roy Y. Gagaza :Social Security
November 5, 2025

Mastering the Right Time: Smart Strategies to Claim Social Security Benefits

Deciding when to claim Social Security is one of the most critical financial choices you’ll make for retirement. Although many people rush to claim benefits as soon as possible, the timing of your claim can significantly affect how much you receive for the rest of your life. Understanding how age, health, and financial needs interact […]

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Roy Y. Gagaza Professional Portfolio
September 17, 2023

How to Create an Estate Plan

Estate planning is a crucial step in securing your family’s financial future and ensuring your wishes are honored when you are no longer around. Whether you have substantial wealth or modest assets, create an estate plan is essential. It involves organizing your financial affairs, outlining your distribution preferences, and designating individuals to manage your estate […]

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