Retirement Strategies for Busy Professionals

Cruz Financial Group, Inc. is a professional insurance firm that provides "Strategic Retirement Ideas and Concepts for Busy Professionals". Since 1990, we have partnered with our clients in working towards sound financial decisions.

We help our clients turn retirement capital into retirement income, while endeavoring to provide a smooth transition from their practice or place of business to potential financial independence.

Cruz Financial Group, Inc. maintains professional strategic business relationships to make sure that all the critical elements of our client's financial and estate-recommendations process is properly executed. We have longstanding relationships with tax professionals, estate planning attorneys, fee based advisors, life insurance professionals, and property and casualty agents. 

Below are those professionals who have earned our trust and respect.  By clicking on any of the links below you will be redirected to that company's website.

 

                                            

 

                                       

 

 

 

                                                

                                                                                             
Calculators

Car Affordability

How much can you afford to pay for a car?

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

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Newsletters

Settling on a Salary

As a company's profit situation improves, business owners may be in a position to decide whether to take home a larger salary or use more of the proceeds to invest for the future. This article discusses the possibility of choosing a business-owner salary that allows for other benefits, such as building the business, saving more for retirement, and adding employee benefits.

Investing in the Future

Due to the fiscal struggles of state governments, in-state tuition and fees at public four-year colleges and universities rose dramatically for the 2011-12 school year. The cost of private institutions also continues to increase. This article presents information on the cost of a college education and how a 529 plan may be a helpful savings vehicle.

Federal Estate Tax Is Much Lower — For Now

The federal estate tax was repealed in 2010, then reinstated by the 2010 Tax Relief Act with new provisions for 2011 and 2012. This article discusses the temporary provisions, the options for estates of 2010 decedents, and potential changes in future years that could subject many more estates to the federal estate tax than under current law.

Protection from a Range of Liability Claims

It's projected that American companies will face $183 billion in tort costs in 2011, and $152 billion of that will land on the books of small businesses. Fortunately, there are several forms of business liability insurance that can help offset these unforeseen costs.

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