Gustavo Montemayor Financial Planning

Personalized, Honest, and Focused Financial Advice. Gustavo is on the fiduciary standard and has your best interest in mind when it comes to your money.

Personalized, Focused Financial Advice

[04/17/17]   Writing your goals down increases chances of success by 42 percent.

Goals are extremely important. You have to know what you are fighting for or you’ve already lost. If there was a way to wave a magic wand and reprogram your brain to be more productive and effective, this would be it.

[04/14/17]   The fact that only 47% of Americans can easily come up with $400 in an emergency fits well with the common understanding that Americans are terrible savers.

[04/12/17]   Taking investment risk inside an insurance contract should be avoided because doing so can jeopardize the death benefit.

[03/28/17]   At a 7% return here's how much you'd have to save annually to reach $1 million by age 65.

Age 20: $3,500 annually
Age 25: $5,010 annually
Age 30: $7,234 annually
Age 35: $10,587 annually
Age 40: $15,811 annually
Age 45: $24,394 annually
Age 50: $39,795 annually
Age 55: $72,378 annually
Age 60: $173,891 annually

[03/12/17]   Financially Secure? Ask yourself these questions:

Are you in control of your day-to-day, month-to-month finances?

Could you absorb an unexpected financial shock?

Are you on track to meet your financial goals?

Do you have the freedom to make choices that allow you to enjoy life?

marketwatch.com

Snap IPO earns millions for Catholic high school thanks to investor dad

$15,000 investment generates $24 million.

marketwatch.com A high school in California earned millions from the Snap Inc. public offering, after two students told their dad about the popularity of the app five years ago.

[03/05/17]   Fantastic! You can now book an appointment through my website or my FB page. Always looking for ways to provide my customers a better experience.

businessinsider.com

Chick-fil-A is beating every competitor by training workers to say 'please' and 'thank you'

The most polite restaurant chain average sales is $4 million per restaurant while KFC is $1 million. A "please" and "thank you" go a long way.
https://cdn.ampproject.org/c/s/amp.businessinsider.com/chick-fil-a-is-the-most-polite-chain-2016-10

businessinsider.com Chick-fil-A is statistically the most polite chain in the restaurant business.

Home, Gustavo Montemayor Financial Planning

When you stress about money it makes everything harder. Get your finances in order and learn to say no.
www.GustavoMontemayor.com

www.GustavoMontemayor.com © 2016 GUSTAVO MONTEMAYOR FINANCIAL PLANNING | 8791 Snow Falls Dr. Laredo, TX 78045 | 956-220-8889 | [email protected]

[02/10/17]   Think Question!
Name all the numbers from 1 - 100, which have the letter 'A' in their spellings?

daveramsey.com

What Do I Do If I Can't Afford to Pay My Taxes?

Don't avoid the problem. http://www.daveramsey.com/blog/cant-afford-to-pay-taxes

daveramsey.com Can’t afford to pay your taxes? This four-step plan shows you how to dig out of the hole and avoid getting another tax bill you can’t pay.

Home, Gustavo Montemayor Financial Planning

Don’t compare everything you do to what someone else is doing. Do what works for you. www.GustavoMontemayor.com

www.GustavoMontemayor.com © 2016 GUSTAVO MONTEMAYOR FINANCIAL PLANNING | 8791 Snow Falls Dr. Laredo, TX 78045 | 956-220-8889 | [email protected]

Home, Gustavo Montemayor Financial Planning

Don't play the loser's game. Investing intelligently sounds simple. But it's hard to do. Speak with a fiduciary investment advisor. www.GustavoMontemayor.com

www.GustavoMontemayor.com © 2016 GUSTAVO MONTEMAYOR FINANCIAL PLANNING | 8791 Snow Falls Dr. Laredo, TX 78045 | 956-220-8889 | [email protected]

youtube.com

401k VS Roth IRA

Visit www.GustavoMontemayor.com to speak with a SmartVestor to find the right allocation and fit for you. Personalized, Focused Financial Advice.

Check out The Rachel Cruze YouTube Channel for life and money tips! http://www.youtube.com/user/RachelCruze?sub_confirmation=1 ______________________________...

wsj.com

Donald Trump Plans to Undo Dodd-Frank Law, Fiduciary Rule

If a broker/advisor is considering two suitable investments, but one makes him a fat commission and the other does not but is better for you, there will be nothing to stop him from selling you the high commission product. For example an annuity with high commissions instead of an IRA or whole life insurance for college instead of a 529. Speak with a fiduciary like me to plan your future.
https://www.wsj.com/articles/trump-moves-to-undo-dodd-frank-law-1486101602

wsj.com President Donald Trump plans to sign an executive action that establishes a framework for scaling back the 2010 Dodd-Frank financial-overhaul law, part of a sweeping plan to dismantle much of the regulatory system put in place after the financial crisis.​

money.usnews.com

8 Common Misconceptions About 529 Plans

8 529 College savings account misconceptions.
1. You are limited to your home state’s plan
2. Your yearly contribution limits are the same as in your individual retirement account.
3. Your income is too high to contribute to a 529 plan.
4. The account must be held in your child’s name.
5. You’ll lose the money if your child doesn’t go to college or gets a scholarship.
6. The money can only be used at a four-year college or university.
7. A 529 plan beneficiary must be below a certain age.
8. It’s not worth investing in a 529 plan because it will hurt your child’s chance of getting financial aid.
http://money.usnews.com/money/personal-finance/mutual-funds/articles/2014/11/24/8-common-misconceptions-about-529-plans

money.usnews.com Make sure you understand the rules about investing in a plan and how you can spend the money.

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8791 Snow Falls Dr
Laredo, TX
78045
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