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Anna-Louise Jackson - December 10, 2019

Making sense of the options in your 401(k) can seem daunting at first. As a result, that causes many people to make investment decisions that are influenced by something very simple — the order in which they’re presented.

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Tara Mastroeni - December 8, 2019

At its best, buying an investment property is a huge step towards generating passive income. However, in order to set yourself up for success, it's important to make sure that you're ready to take the leap.

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Debbie Carlson - November 21, 2019

Investors are likely to receive mutual fund capital gains distributions, along with a capital gains tax bill reflecting their profits – especially because of sizable gains in the S&P 500 this year. Capital gains can result because of rising share values and they can come from mutual fund dividends, which are profits companies share with stockholders. Mutual fund distributions are derived from net capital and can affect your tax cost. Tax laws require mutual fund companies to distribute net capital gains by the end of the year, usually based on gains realized through September or October. Here are nine facts to know about capital gains when it comes to mutual fund investing.

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The holiday season is synonymous with joy, celebration, and unfortunately, often, financial strain. As spending increases, it's vital to approach this festive period with a strategy that ensures financial health and well-being. One significant step in this direction is choosing cash over credit cards for holiday expenditures. Here are four compelling reasons to ditch the plastic this holiday season:

1. Minimize Overspending Risk

When using cash, consumers are more aware of their spending limits. Unlike credit cards, which can easily mask the reality of expenses, cash transactions provide a tangible sense of how much is being spent. This physical exchange of money can psychologically deter overspending, as one directly feels the depletion of funds. By using cash, shoppers are less likely to exceed their budget and can avoid the post-holiday financial hangover.

2. Avoid High Credit Card Interest Rates

Credit cards typically come with high-interest rates, averaging around 20-25%. These rates can significantly inflate the actual cost of purchases, especially when balances are carried over month to month. By using cash, consumers can avoid these exorbitant interest fees. In the long run, this can lead to substantial savings and prevent the accumulation of crippling credit card debt.

3. Reduce the Risk of Identity Theft and Security Breaches

The holiday season often sees a spike in security breaches and identity theft, particularly involving credit card transactions. Major credit card companies have experienced significant breaches, with millions of customers' information being compromised. By opting for cash, consumers eliminate the risk of their credit card details being stolen. This choice provides peace of mind and ensures personal financial information remains secure.

4. Prioritize and Control Holiday Spending

Cash usage encourages better budgeting and prioritization. By allocating a specific amount of cash for holiday shopping, individuals can effectively control their spending. This method allows for a clear division of funds, helping shoppers decide how much to spend on family, friends, and acquaintances. It also prevents impulsive purchases, ensuring that spending aligns with one's financial goals and priorities.

Conclusion

The decision to use cash over credit cards during the holiday season can significantly impact financial well-being. It promotes responsible spending, reduces financial risks, and ensures a more controlled and enjoyable shopping experience. While it might require a bit more planning and discipline, the benefits of this approach are substantial. This holiday season, consider ditching the plastic and experience the financial peace that comes with it.

Lee Barney - November 8, 2019

What should plan sponsors ensure that participants understand about the tax treatment of retirement savings accounts? Sources say there are a few key points that participants should readily be able to understand.

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FOR IMMEDIATE RELEASE

SAN DIEGO, CA — October 29, 2019 – San Diego investment advisor, David Reyes of Reyes Financial Architecture, teamed up with a select group of financial professionals and renowned writer, Jack Canfield, to author a new book titled, Momma’s Secret Recipe for Retirement Success: The Truth About Risk, The Stock Market, Fees and Annuities. The book, released on October 1, was published by CelebrityPress®, a world-leading business book publisher, and reached best-seller status on Amazon during the first day of its release.

“I am extremely proud to be a part of this knowledgeable book in which readers will discover insights into the investment and retirement world that have never been told by mainstream advisors,” said David Reyes, founder of Reyes Financial Architecture. “This book is truly another teammate people can have on their sideline when planning for their retirement.”

Momma’s Secret Recipe for Retirement Success: The Truth About Risk, The Stock Market, Fees and Annuities takes a new aim at planning for retirement. The book follows the basic theory that in order to cook like momma, you need to find a good recipe, assemble the ingredients, let it cook and then serve, much like how the same principles can be followed when it comes to retirement planning – find a good recipe (financial advisor), locate appropriate ingredients (financial products), let it cook (develop objectives) and then serve (enjoy retirement). Reyes’s chapter, Inflation May Come Back with a Vengeance, guides readers on how they can establish guaranteed income and create the opportunity to have increasing income in the future.

Throughout the book, financial experts also give readers piece-of-mind, teaching them how to transition from asset accumulation (working years) to asset preservation and lifetime income distribution (retirement). Readers will receive a recipe, advice and methodologies from experts in order to learn how they can safeguard themselves and discover the truth about their money.

Momma’s Secret Recipe for Retirement Success: The Truth About Risk, The Stock Market, Fees and Annuities is available for purchase on Amazon. A portion of the royalties earned will be given to Entrepreneur’s International Foundation, a not-for-profit organization dedicated to creating awareness for charitable causes.

To learn more about Reyes, please visit, www.reyesplan.com. To purchase Momma’s Secret Recipe for Retirement Success: The Truth About Risk, The Stock Market, Fees and Annuities, please visit Amazon.com.

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Jeff Gitlen - October 18, 2019

A second home is a “home away from home,” and can come in handy when you want a quick break or extended vacation. You can bypass the hotel check-in lines, botched reservations, or rental unit costs. In fact, you can even earn money by turning your second home into a rental property.

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David Reyes ranked on the Amazon best-seller lists with the new book, Momma’s Secret Recipe for Retirement Success, Coauthored with Jack Canfield.

San Diego, CA – September 26, 2019: David Reyes, Founder of Reyes Financial Architecture, joined Jack Canfield, along with a select group of professionals around the world to co-write the book, Momma’s Secret Recipe for Retirement Success: The Truth About Risk, The Stock Market, Fees, & Annuities. The book was published by CelebrityPress®, a leading business book publisher that publishes books from ThoughtLeaders® around the world and was released on September 12th, 2019.

On the day of release, Momma’s Secret Recipe for Retirement Success reached best-seller status on Amazon – reaching as high as #11 in Retirement Planning and #32 in Budgeting & Money Management categories. The expert information shared in Reyes’s chapter, Inflation May Come Back With A Vengeance has helped the book reach optimal best-seller placement and will help readers gain similar success in their endeavors.

CelebrityPress® describes the book as empowering to all retirees and people planning for retirement around the world with the following:

To cook like Momma, you need her recipe, assemble her ingredients, follow directions, blend, cook, and then serve. Sounds simple. What if you had an actual recipe for retirement success? Momma’s same principles can apply to retirement: first find a good cook (financial advisor), find appropriate financial products (ingredients), specify objectives (directions), and create a written plan to best accomplish your goals (serving).

This is easier said than done. Transitioning from Asset Accumulation (while working) to Asset Preservation and Lifetime Income Distribution (retirement) is difficult. You accumulated assets simply by saving but haven’t protected your assets against losses and haven’t created lifetime income. For a successful retirement, you must master Asset Preservation and Lifetime Income Distribution – your future depends on it.

The Celebrity Experts in this book are experienced financial professionals who will give you peace of mind by teaching you exactly what to expect and how the process works. They will give you a Recipe. Their advice, methodologies and safeguards are thoroughly researched, including pros and cons to help you learn the truth about your money. The data presented is both understandable and proven for effectiveness. Why not educate yourself?

After such a successful release, David Reyes will be recognized by The National Academy of Best-Selling Authors®, an organization that honors authors from many of the leading independent best-seller lists.

Click HERE to order a copy of Momma’s Secret Recipe for Retirement Success.

A portion of the royalties earned from Momma’s Secret Recipe for Retirement Success will be given to Entrepreneur’s International Foundation, a not for profit organization dedicated to creating awareness for charitable causes.

About David Reyes

During his first year as an advisor, David’s grandfather Kermit passed away after fighting dementia for over five years. The cost of his long-term care completely bankrupted his estate, teaching David a valuable lesson on the importance of proper planning and the protection of assets. He promised that anyone who he was able to help, clients, family or friends, would never have to go through this devastating financial and emotional experience.

David Reyes has been an advisor for over 20 years and is the founder of Reyes Financial Architecture, a Registered Investment Advisory Firm whose primary goal is to support, assist and advise clients in the planning of their retirement. Reyes Financial Architecture specializes in retirement planning, retirement income planning, social security and portfolio risk management strategies. Working in collaboration with CPA’s, attorneys and other advisors, David ensures that all planning is not only implemented but also integrated. This collaborative team approach seeks to ensure the highest probability of success.

David Reyes is a distinguished graduate from UCLA’s Personal Financial Planning program and a graduate of Wharton Business School’s Retirement Income Planning Certification program. David also holds multiple licenses in the financial, real estate and insurance fields and has proudly been named 2015 Advisor of the Year by the National Social Security Advisor Association (NSSA) for his advocacy to educate retirees on maximizing their retirement income.

David is featured in many magazines and publications such as Kiplinger Personal Finance Magazine and Boomer Market Advisor and is co-author of five books on retirement, retirement income planning and estate planning. His latest book written with bestselling author Jack Canfield is titled, Momma’s Secret Recipe for Retirement Success.

David also advises and conducts educational workshops for corporations, professional and public groups including CPA’s and attorneys on retirement, tax, estate planning and asset protection. He is also the host of “The Retirement Architect Radio” heard every Saturday on AM 1210 KPRZ and AM 1170 KCBQ.

David and Julie have been blessed with three wonderful children. David’s hobbies include tennis, church fellowship and spending time with his family.

Geoff Williams - October 7, 2019

TAX SEASON WILL BE HERE before you know it, and you may be wondering what could happen if you don't file your 2019 returns by the April 15, 2020 deadline. For many people, filing taxes is a straightforward process. Perhaps, you have tax withheld from your paycheck and you file your taxes on your own. Or maybe you enlist a tax preparer to do it for you. However, tax-filing can get more complicated if you have side gigs or you're self-employed.

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