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

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

Lease Interest

What's the interest rate on the lease you're considering?

IRA Eligibility

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

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

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Newsletters

Another Year, Another AMT Patch

The 2010 Tax Relief Act adjusted AMT exemption levels for 2010 and 2011 to help prevent an estimated 21 million middle-income taxpayers from being subject to the alternative minimum tax. Will Congress enact another patch for 2012?

HOT TOPIC: Breaking Down the Debt-Ceiling Compromise

The Budget Control Act of 2011 raised the federal debt ceiling, mandated modest but significant caps on discretionary spending over the next ten years, and left the details of larger deficit reduction to a 12 member, bipartisan “super committee.” The main provisions of the law include the assumption that higher tax rates will return in 2013.

HOT TOPIC: Are Housing Troubles Standing in the Way of Growth?

In the wake of past recessions, the housing industry provided a meaningful economic boost. This time around, the pace of the recovery has been more sluggish than expected, and ongoing weakness in the housing sector may be to blame.

Insurance for Two Could Benefit Your Heirs

Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

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