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dreyes111

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About dreyes111

  • Birthday 06/11/1973

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    dreyes111

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  • Location
    Texas
  • Interests
    Hunting and Fishing, member of The Church of Christ
  1. that is your opinion...not fact. Interest rates are around 6% while some of my indexed annuities 403 b products are around 8% Please show me you are doing better. Im curious. There are some seriously distorted philosophies. Just today I transferred an IRA that was with ameriprise. He started it 5 years ago with a deposit of 18,500. Today when i called for the balance it was 17,900. You tell me that is good?
  2. Honestly, I dont like mutual funds. None of them personally. But for growth and long term objectives like people ages 25-49 i usually look at the vanguard family. But since i specialize in working with educators, I see that many here frown upon commission based products and fixed products. I guarantee that I could beat any mutual fund in existance with my innovative money management system and a simple fixed annuity. Educators on a national average are putting away 50-200 per pay period in a mutual fund. My clients average 800-1000 a month and thats for just teachers making about 50k a year. Im not going to go into how because im not gonna show my hand as thats how I get paid. Many times i hear the excuse, "i dont like fixed products because they earn very little" After its said and done, you will not earn much more with mutual funds. I didnt mean to come across negatively, but there are so many factors to consider. Many many people are not suitable for mutual funds. I have approximately 2500 clients. About 200 have mutual funds while the rest have fixed annuities. Wanna know how many dropped off because poor returns or because of high fees (which is not true)? NONE. This site is doing a great disservice to educators because it doesnt get the info correct in regards to retirement. Sure i know there are alot of bad insurance agents prowling school campuses but then again im glad they are around because I can always find business. My goal is to inform teachers in all aspects of their financial lives. We do complete tax analysis for spouses as well, in-depth retirement analysis, thorough debt analysis, and paycheck analysis including spouses too, go over expenditures and complete financial forecasts...as well as go over STRS benefits in full detail, down to percentages of JSBO. Let me guess, some advisor just had you sign papers? Can i see you alls financial plan documents? Usual fee based financial advisors charge 1500-2000 put together a complete financial plan....wanna know how much i charge for one? not one penny. I do all this for my clients free of charge. Did you know many times the commission is much lower than what id make if I was fee based? Do you know the commissions are horrible in the 403b market?
  3. Honestly, I dont like mutual funds. None of them personally. But for growth and long term objectives like people ages 25-49 i usually look at the vanguard family. But since i specialize in working with educators, I see that many here frown upon commission based products and fixed products. I guarantee that I could beat any mutual fund in existance with my innovative money management system and a simple fixed annuity. Educators on a national average are putting away 50-200 per pay period in a mutual fund. My clients average 800-1000 a month and thats for just teachers making about 50k a year. Im not going to go into how because im not gonna show my hand as thats how I get paid. Many times i hear the excuse, "i dont like fixed products because they earn very little" After its said and done, you will not earn much more with mutual funds. I didnt mean to come across negatively, but there are so many factors to consider. Many many people are not suitable for mutual funds. I have approximately 2500 clients. About 200 have mutual funds while the rest have fixed annuities. Wanna know how many dropped off because poor returns or because of high fees (which is not true)? NONE. This site is doing a great disservice to educators because it doesnt get the info correct in regards to retirement. Sure i know there are alot of bad insurance agents prowling school campuses but then again im glad they are around because I can always find business. My goal is to inform teachers in all aspects of their financial lives. We do complete tax analysis for spouses as well, in-depth retirement analysis, thorough debt analysis, and paycheck analysis including spouses too, go over expenditures and complete financial forecasts...as well as go over STRS benefits in full detail, down to percentages of JSBO. Let me guess, some advisor just had you sign papers? Can i see you alls financial plan documents? Usual financial advisors charge 1500 put together a complete financial plan....wanna know how much i charge for one? not one penny. I do all this for my clients free.
  4. Honestly, I dont like mutual funds. None of them personally. But for growth and long term objectives like people ages 25-49 i usually look at the vanguard family. But since i specialize in working with educators, I see that many here frown upon commission based products and fixed products. I guarantee that I could beat any mutual fund in existance with my innovative money management system and a simple fixed annuity. Educators on a national average are putting away 50-200 per pay period in a mutual fund. My clients average 800-1000 a month and thats for just teachers making about 50k a year. Im not going to go into how because im not gonna show my hand as thats how I get paid. Many times i hear the excuse, "i dont like fixed products because they earn very little" After its said and done, you will not earn much more with mutual funds. I didnt mean to come across negatively, but there are so many factors to consider. Many many people are not suitable for mutual funds. I have approximately 2500 clients. About 200 have mutual funds while the rest have fixed annuities. Wanna know how many dropped off because poor returns or because of high fees (which is not true)? NONE. This site is doing a great disservice to educators because it doesnt get the info correct in regards to retirement. Sure i know there are alot of bad insurance agents prowling school campuses but then again im glad they are around because I can always find business. My goal is to inform teachers in all aspects of their financial lives. We do complete tax analysis for spouses as well, in-depth retirement analysis, thorough debt analysis, and paycheck analysis including spouses too, go over expenditures and complete financial forecasts...as well as go over STRS benefits in full detail, down to percentages of JSBO. Let me guess, some advisor just had you sign papers? Can i see you alls financial plan documents? Usual financial advisors charge 1500 put together a complete financial plan....wanna know how much i charge for one? not one penny. I do all this for my clients free.
  5. do you have a series 6, 63, 7 or a 24? heck even an insurance license? if not, then stick to the classroom. You dont see me trying to arm chair classroom etiquette? why? because im not trained in education. I think people like you arm chairing my business is doing a great disservice to educators....have you done wrong? adsolutely....do you go to the doctor and he just prescribe you the latest mediceine that was pawned to him by the rep? there has to be alot of prepwork such as tax analysis, retirement objectives, a total financial analysis. My advice once again: stick to what you do best and leave the financial matters to the professionals.
  6. Some people on here giving "advice" just dont have a clue......... My advice: find a true professional instead of having to take the advise from educatiors or educators spouses who have nothing better to do than to rattle off useless info. Seek the advice from a financial advsor, not a internet financial adviso r who thinks they can give advice because theyve heard about a 403b.
  7. Some people on here giving "advice" just dont have a clue......... My advice: find a true professional instead of having to take the advise from educatiors or educators spouses who have nothing better to do than to rattle off useless info. Seek the advice from a financial advsor, not a internet financial adviso r who thinks they can give advice because theyve heard about a 403b.
  8. Some people on here giving "advice" just dont have a clue......... My advice: find a true professional instead of having to take the advise from educatiors or educators spouses who have nothing better to do than to rattle off useless info. Seek the advice from a financial advsor, not a internet financial adviso r who thinks they can give advice because theyve heard about a 403b.
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