T.Financial Group

Financial Solutions For Your Reach and Real opportunity of Success

we are the T.Financial Group, Corp, and collectively we have been in the business for over 12 years. We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. We have created this Web site to help you gain a better understanding of the financial concepts behind insurance,retirement, estate planning, and wealth preservation. Most important, we hope you see the value of working with skilled professionals to pursue your financial goals

Here at T. Financial Group, we are dedicated to you and all your different insurance needs. We've been around for over 12 years and we've won several awards for the best insurance firm. But, our most important win is making you a happy, life-long customer.

Mission: Our mission, to help build and protect wealth for families and individuals from all walks of life, extends to you, so you don’t have to go it alone. Your TFG associate will walk alongside you in your journey to financial success, helping you assess your situation, understand how money works, and find the products and services that can best fit your needs. No matter what your goals, it’s important to start taking control of your money now and let it start working for you. Your better tomorrows can begin today

Don't let #studentloans add to the burden of a disability. Boost your disability income insurance from Ohio National with extra coverage to help pay down college debt. https://bit.ly/Disabilityandstudentloans

Don't let #studentloans add to the burden of a disability. Boost your disability income insurance from Ohio National with extra coverage to help pay down college debt. https://bit.ly/Disabilityandstudentloans

thinkadvisor.com

IRS Floats Plan to Update Withholding Rules for Annuity Payments | ThinkAdvisor

Important Information New Rule Annuity Payment !!!
Please contact us !!!

thinkadvisor.com The 2020 default rate of withholding on periodic payments will continue to be based on treating the taxpayer as a married individual.

Ohio National Financial Services

If you own a permanent life insurance product, consider these pros and cons to taking a loan from your life insurance policy. #loan https://bit.ly/Lifeinsuranceloansflexibility

rz.mdrt.org

Venderle a los millenials

Lo que necesitas saber para llegar a ese mercado crítico. https://rz.mdrt.org/html/rtt202003sp-selling-to-millennials/

rz.mdrt.org Lo que necesitas saber para llegar a ese mercado crítico.

Memorial Day;

“The willingness of America’s veterans to sacrifice for our country has earned them our lasting gratitude.”

Today, we salute the heroes!#memorialday2020 #securitytosuccess2020

Please Contact Us!!!

#securitytosuccess2020 #businessowner #Businessfinanciaplanning #livingbenefits

Final Expense & Burial

Contáctanos Hoy !!!!

#securitytosuccess2020!!!

Good Information

Please contacts !!!

May is Disability Insurance Awareness Month. Learn more about how Disability Income Insurance can help you protect your income. https://bit.ly/ProtectYourIncomeDI

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6 Reasons the Average Person Always Needs Insurance | ThinkAdvisor

• Protection
• Building cash value
• Growth regardless of stock market volatility

6 Reasons the Average Person Always Needs Insurance
Please contact us!!!

#securitytosuccess2020!!!

thinkadvisor.com There are many reasons why making sales is more difficult, and many why the need is still there.

Find out more:
https://www.tfgng.com/

Join T.Financial Group on the Wix app to find out more:
http://wix.to/SUBGAT8

#securitytosuccess2020!!!

Book Now!!! Income protection for you and your business!!! Please contact us!!!

Happy Monday !!!

Timeline Photos

Happy Sunday !!!

Feliz Domingo

#securitytosuccess2020!!!

Imagínate representar a una compañía que te sorprenda solo por hacer lo más que te gusta....😃...Ayudar a otros!!! Nosotros somos parte de ella. ¿Eres Agente de Seguros Licenciado, y te interesaría la oportunidad de tener uno de los paquetes de beneficios más competitivos del mercado actual? Escríbenos al inbox y te diremos como es posible. 😉 #securitytosuccess2020 #dueñosdenuestronegocio #construyendolibertadfinanciera

How many people rely on your income? If your income stops, where would you find the money to make sure everyone who relies on you has food, shelter and other essentials? Find out how #disabilityinsurance can be a key factor in protecting your income.please below link !!
#incomeprotection #disabilityincome www.planfacts.com/josetolentino/di

Excelente oportunidad de planificación de negocio!!! Contacte a Business And Insurance Advisor para más información!!!

#securitytosuccess2020!!!

Excelente oportunidad para dueños de negocios.
Reducir la taza contributiva.

Puede recibir una deducción fiscal actual por las primas pagadas.

L A Financial Professionals

Contacte L A Financial Professionals para más información!!!

#securitytosuccess2020!!!

Sabias que......??

TU QUE ESTAS EN EL CAMPO DE LA SALUD, ESTO TE PUEDE INTERESAR.

Las pólizas ampliadas que te ofrezco a travez de
OHIO NATIONAL INSURANCE COMPANY
(Término 10 Plus, Término 15 Plus, Término 20 Plus) permiten la conversión a cualquier producto de seguro de vida permanente disponible al momento de la conversión?

COVID-19 UPDATED
PROTECCION DE HASTA UN MILLON DE DOLARES CON LA POSIBILIDAD DE APROBACION INMEDIATA ES DECIR, NO EXAMEN MEDICO REQUERIDO.

Recap Term es una póliza de tasa garantizada de 10 años diseñada para clientes que planean convertir sus pólizas de seguro de vida a plazo dentro de los primeros cinco años, con todas las primas pagadas en sus créditos de conversión.
Las políticas de resumen de términos tienen la función de conversión ampliada de Ohio National.

Contactanos para darte informacion personlizada.
210 5198768 Llamar, Text/Whatsapp

#HOYMASQUENUNCANECESITASPROTEGERTEATIYTUFAMILIA.

Feliz Dias de las Madres !!!!

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Ohio National Adds Indexed Annuity | ThinkAdvisor

Great Opportunity Guaranteed Income and Growth !!! Please Contact Us !!!

thinkadvisor.com The single-premium annuity comes with a built-in guaranteed accumulation protection benefit.

Do you know the best ways to protect your key assets? Provide important employee benefits? Minimize your taxes? Reward yourself and secure your financial future? Help your business succeed by bolstering its long-term health. From individual life and disability income insurance, to 401(k) and simplified employee pension plans, I can help you make the right moves.

Please contact us !!!

Por favor contáctanos para orientar sobres los cambios The Secure Act cómo impactar a la IRA !!! Y Un Representante se comunicará con usted !!! #securitytosuccess2020!!

SECURE ACT RULES FOR SOME SPECIAL NEEDS TRUSTS

The SECURE Act was a game changer for trusts named as an IRA beneficiary. Most trusts will be limited to a 10-year payout rule, just like most other non-spouse beneficiaries. However, Congress was careful to carve out some exceptions for some trusts with special needs beneficiaries, specifically eligible designated beneficiaries who meet the definition of either being disabled or chronically ill. When certain requirements are met, required minimum distributions to these trusts may still be done over the beneficiary’s life expectancy.

Applicable Multi-beneficiary Trust

Under the SECURE Act, the ability to use the stretch for chronically ill or disabled beneficiaries is available to a trust that qualifies as an “applicable multi-beneficiary trust.” An “applicable multi-beneficiary trust” can have other beneficiaries of the trust besides the disabled or chronically ill beneficiary. The other beneficiaries must be designated beneficiaries. That includes living individuals with a life expectancy but excludes entities like a charity or an estate. Therefore, a trust with a charity as a beneficiary would not meet the requirements.

Additionally, to qualify as an “applicable multi-beneficiary trust,” the trust would have to be established in one of two ways. The first possibility is that it can provide that it is to be divided immediately upon the death of the IRA owner into separate trusts for each beneficiary.

Example: Luis names his trust as the beneficiary of his IRA. At Luis’ death, the trust is to be divided into two trusts, one for each of his daughters. His daughter, Salma, age 32, is chronically ill and qualifies as an eligible designated beneficiary at Luis’ death. Payments from the inherited IRA to the trust for Salma can be made over Salma’s life expectancy. Luis’ other daughter, Olivia, age 28, is not disabled or chronically ill. Payments from the inherited IRA to Olivia’s trust are subject to the 10-year rule.

The other possibility is that the “applicable multi-beneficiary trust” can provide that no beneficiary, other the disabled or chronically ill beneficiary, has any right to the IRA funds until the death of the eligible designated beneficiary.

Example: Catherine names a trust for her disabled daughter, Emma, age 43, as the beneficiary of her IRA. The trust provides that any funds left in the trust at Emma’s death will go to her younger sister, Amanda, age 41. Amanda is not disabled or chronically ill. During Emma’s lifetime, RMDs may be paid from the inherited IRA to the trust based on Emma’s single life expectancy. However, at Emma’s death, payments from the inherited IRA to Amanda would be subject to the 10-year rule and would need to be paid out by December 31 of the tenth year following the year of Emma’s death.

Good Advice Needed

After the SECURE Act, any trust named as beneficiary of an IRA should be reviewed. If the trust beneficiary has special needs this is especially important. For those special needs beneficiaries who are chronically ill or disabled, the SECURE Act does provide some guidance for a way forward that would still allow payments to a trust over the beneficiary’s life expectancy. Consulting with both a knowledgeable financial advisor and attorney is essential to ensure that a trust meets the specific requirements.

Please contact us for more information

Protect your business with a Buy-Sell Agreement

As a successful business owner, a funded exit strategy can help
you harvest the value of your business when you leave the
company. Through a buy-sell agreement, you select a buyer,
determine the purchase price and the funding source for the
future sale of your business. It can be triggered at retirement or
in the event of your death or disability, and it helps to ensure
that you and your family will receive full and fair value for your
business

Please contact us for more information!!!

Como propietario de un negocio exitoso, una estrategia de salida financiada puede ayudar
cosechas el valor de tu negocio cuando dejas el
empresa. A través de un acuerdo de compra-venta, selecciona un comprador,
determinar el precio de compra y la fuente de financiación para
Venta futura de su negocio. Se puede activar al momento de la jubilación o
en caso de muerte o discapacidad, y ayuda a garantizar
que usted y su familia recibirán un valor total y justo por su
negocio.

Por favor póngase en contacto con nosotros para más información

Excelente Planificación de proteger su cheque , Por Favor contacte a L A Financial Professionals es nuestra Representante para que le pueda ayudar a la cubrir su ingresos !!! Y le tenemos una oportunidad de un 10% descuento para usted y tenga la tranquilidad mental que está protegido por ti y tu familia y negocio !!!

Excellent Planning to protect your check, Please contact L A Financial Professionals is our Representative so that I can help you cover your income !!! And we have a 10% discount opportunity for you and have the peace of mind that is protected by you and your family and business !!!

Salvaguarde su cheque de pago
Si usted es como la mayoría de las personas, sus ingresos hacen que todo lo demás sea posible como su casa, sus vehículos y la educación de sus hijos.
Aprenda a proteger su cheque de pago en caso de discapacidad o enfermedad.
Por favor contáctenos para una consulta sin compromiso !!!

Email : [email protected]

Safeguard your paycheck
If you are like most people, your income makes everything else possible: your home, your vehicles, and your children's education. Learn how to protect your paycheck in case of disability or illness. Please contact us !!!

#securitytosuccess2020

Salvaguarde su cheque de pago
Si usted es como la mayoría de las personas, sus ingresos hacen que todo lo demás sea posible: su casa, sus vehículos y la educación de sus hijos. Aprenda a proteger su cheque de pago en caso de discapacidad o enfermedad. Por favor contáctenos !!!

Email : [email protected]

Safeguard your paycheck
If you are like most people, your income makes everything else possible: your home, your vehicles, and your children's education. Learn how to protect your paycheck in case of disability or illness. Please contact us !!!

#securitytosuccess2020

: “We must accept finite disappointment, but we never lose infinite hope.” –Martin Luther King

Life Changes. We'll be there.

Salvaguarde su cheque de pago
Si usted es como la mayoría de las personas, sus ingresos hacen que todo lo demás sea posible: su casa, sus vehículos y la educación de sus hijos. Aprenda a proteger su cheque de pago en caso de discapacidad o enfermedad. Por favor contáctenos !!!

Safeguard your paycheck
If you are like most people, your income makes everything else possible: your home, your vehicles, and your children's education. Learn how to protect your paycheck in case of disability or illness. Please contact us !!!

ohionational.com Ohio National offers life insurance and disability income insurance products designed to help you, your family and your business achieve your financial goals.

Arriésgate , Vive y Atrévete!!!
@#securitytosuccess2020!!!

[04/24/20]   El seguro de vida con valor en efectivo puede proporcionar un puerto seguro en una tormenta económica

Cuando los mercados de valores están en alza y la economía funciona sin problemas, a veces es fácil pasar por alto el valor de la protección a la baja.

A la luz de los recientes desafíos del mercado que han impactado las carteras de inversión diversificadas que gestionamos para nuestros clientes, muchos han preguntado cómo los valores en efectivo en sus pólizas de seguro de vida orientadas a la inversión están resistiendo la tormenta. Whole Life, Universal Life y Indexed Universal Life han mantenido tradicionalmente sus valores en tiempos económicos difíciles porque están diseñados con ese objetivo en mente.

Hoy no es diferente.

Cuando los mercados de valores están en alza y la economía funciona sin problemas, a veces es fácil pasar por alto el valor de la protección a la baja que se obtiene al usar el seguro de vida como inversión. El seguro de vida nunca será su activo de mejor rendimiento cuando las cosas estén bien, no se supone que lo sea, pero en tiempos de turbulencia, puede proporcionar una influencia estabilizadora en la cartera general y una fuente potencial de efectivo que se puede utilizar sin tener que incurrir en pérdidas de mercado. Cuando se estructuran y financian adecuadamente, estas políticas están diseñadas para proporcionar un crecimiento moderado y constante con un riesgo extremadamente bajo de pérdida.

Es importante tener en cuenta algunas diferencias clave entre las compañías de seguros y otras corporaciones, incluidos los bancos, para comprender por qué las compañías de seguros son generalmente más estables financieramente que los bancos, particularmente en tiempos de volatilidad del mercado:

1. Riesgo de inversión: las compañías de seguros invierten las primas que cobran de los asegurados en activos a largo plazo, como bonos, para asegurarse de que pueden pagar las reclamaciones de seguros a medida que ocurren con el tiempo. Se requiere que la gran mayoría de los activos de las compañías de seguros de vida se realicen en inversiones de alta calidad, con aprox. El 85% invirtió en bonos corporativos de grado de inversión y bonos del Tesoro de EE. UU., Que tradicionalmente funcionan mejor que las acciones cuando las finanzas corporativas se debilitan. Esto significa que las inversiones de las compañías de seguros generalmente son menos riesgosas en comparación con las inversiones realizadas por los bancos y sus filiales, cuya estructura y regulaciones no limitan su inversión en depósitos de prestamistas de una manera que corresponda a sus pasivos anticipados.

2.Los aseguradores no pueden usar el apalancamiento. A diferencia de los bancos, fondos de inversión y compañías operativas, las regulaciones gubernamentales prohíben que las compañías de seguros utilicen apalancamiento para mejorar su desempeño. Esto evita que las pérdidas se agraven durante las recesiones del mercado.

3. Las compañías de seguros están muy reguladas. Las compañías de seguros pueden convertirse en insolventes. Sin embargo, estos escenarios son históricamente raros. Esto se debe a que los estados que regulan las compañías de seguros llevan a las compañías de seguros de bajo rendimiento a la quiebra si sus activos caen a aproximadamente el 90% de sus pasivos. En ese momento, tienen aproximadamente 90 centavos por dólar para pagar sus obligaciones. Por el contrario, la mayoría de las empresas con problemas financieros se quedan con una cantidad extraordinariamente pequeña de activos / valor cuando quiebran y los acreedores suelen luchar por unos 10 centavos o 20 centavos de dólar mucho más pequeños. Las compañías de seguros han fallado en el pasado, pero debido a la supervisión e intervención estatal, las compañías y la industria aseguran que el pago de las obligaciones garantizadas de la compañía se haga a los asegurados.
Es en un entorno como el que tenemos hoy que estas políticas son a menudo más apreciadas porque es poco probable que su valor se vea afectado de manera significativa por la volatilidad que actualmente está afectando al resto de la economía.

Póngase en contacto con nosotros y lo ayudaremos.

#securitytosuccess2020

[04/24/20]   Cash Value Life Insurance May Provide Safe Harbor in an Economic Storm

When equity markets are up and the economy is running smoothly, it’s sometimes easy to overlook the value of downside protection.

In light of recent market challenges that have impacted the diversified investment portfolios we manage for our clients, many have asked how the cash values in their investment-oriented life insurance policies are weathering the storm. Whole Life, Universal Life, and Indexed Universal Life have traditionally maintained their values through tough economic times because they are designed with that very goal in mind.

Today is no different.

When equity markets are up and the economy is running smoothly, it’s sometimes easy to overlook the value of the downside protection you get from using life insurance as an investment. Life insurance will never be your best performing asset when things are good – it’s not supposed to be – but in times of turbulence, it can provide a stabilizing influence on the overall portfolio and a potential source of cash that can be drawn upon without having to incur market losses. When structured and funded properly, these policies are designed to provide moderate, steady growth with extremely low risk of loss.

It’s important to keep in mind a few key differences between insurance companies and other corporations, including banks, to understand why insurance companies are generally more financially stable than banks, particularly during times of market volatility:

1.Investment Risk - Insurance companies invest the premiums that they collect from policyholders in long-term assets, such as bonds, to ensure that they can pay out insurance claims as they occur over time. The vast majority of life insurance company assets are required to be made in high quality investments, with approx. 85% invested in investment grade corporate bonds and U.S. Treasuries, which traditionally perform better than stocks when corporate finances weaken. This means that insurance company investments are generally less risky when compared to the investments made by banks and their affiliates, whose structure and regulations do not limit their investment of lender deposits in a way that corresponds to their anticipated liabilities.

2.Insurance Carriers are not Allowed to use Leverage. Unlike banks, investment funds, and operating companies, government regulations prohibit insurance companies from using leverage to enhance their performance. This prevents any losses from being compounded during market downturns.

3.Insurance Carriers are Heavily Regulated. Insurance companies can become insolvent. However, these scenarios are historically rare. This is because the states that regulate insurance companies take poor performing insurance companies into receivership if/when their assets drop to approximately 90% of their liabilities. At that point they have approximately 90 cents on the dollar to pay off their liabilities. In contrast, most financially challenged corporations are left with an extraordinarily small amount of assets/value when they go bankrupt and creditors are typically fighting for a much smaller 10 cents or 20 cents on the dollar. Insurance companies have failed in the past, but due to the state oversight and intervention, the companies and the industry ensure that payment of guaranteed obligations of the company are made to policyholders
, It is in an environment like we have today that these policies are often most appreciated because their value is unlikely to be impacted in any significant way by the volatility that is currently battering the rest of the economy.

Please get in touch with us and we will help !!!

#securitytosuccess2020

Our Story

Our Vision

To give people from all backgrounds the power to become financial services business owners, so that every family can access financial knowledge, products, and resources to prepare for a better future.

Our Mission

To empower financial services entrepreneurs with the tools they need to help families have better futures.

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Protect your business with a Buy-Sell Agreement

Location

Telephone

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Address


4751 Hamilton Wolfe Rd
San Antonio, TX
78229

Opening Hours

Monday 09:00 - 18:00
Tuesday 09:00 - 18:00
Wednesday 09:00 - 18:00
Thursday 09:00 - 18:00
Friday 09:00 - 18:00
Saturday 09:00 - 14:00
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