Tuesday, March 6, 2012
Award Winning Author to Present Teacher Retirement Workshops
San Antonio, Texas, March 5, 2012 - Ruben Ruiz, award-winning author, educator advisor and president of The Ruiz Financial Group LLC and Money Concepts, will be presenting workshops for teachers and administrators who are grandfathered under the Teacher Retirement System or planning to retire within the next 3 years. It is also for those who were planning to retire but found out about “The Truth in Retirement” and will have to work for a few more years.
The major topics of concern for teachers are the financial condition of the TRS pension plan, how TRS retirement payments are calculated, options for beneficiaries, Social Security and private retirement plans like 403(b) and individual retirement accounts.
Many school districts are trying to help their “grandfathered” TRS members retiring this year because of the current crisis in the Texas Education Funding. The workshop will address TRS members that are “grandfathered” by age or years of service.
“For many educators, retirement is right around the corner, maybe even this year or the next,” Ruiz said. “The biggest problem for retirees is not investing time to be fully aware of their retirement options and just doing ‘good planning’.”
Mr. Ruiz has been practicing as a financial advisor for over 30 years and has been working with educators and teachers for 20 years.
Each seminar can have a maximum of thirty participants and each seminar date and location is spread out to cover almost every school district in San Antonio.
Agenda Seminar
- Retirement is not what you think it is.
- TRS options for the rest of your life.
- Income reduction in retirement.
- Health insurance and taxes in retirements.
- Cash flow money management.
The following is the Spring Schedule of the Educator Retirement Planning Seminars:
St. Phillip College
1801 MLK Dr.
San Antonio, TX 78203
Center for Health Professions Building
Room 120 – (CHP 120)
Saturday, March 17th, 9:00 a.m.
Saturday, April 14th, 9:00 a.m.
Palo Alto College
1400 N. Villaret Blvd.
San Antonio, TX 78204
Brazos Hall, Room 200
Tuesday, March 20th, 5:00 p.m.
Thursday, April 12th, 5:00 p.m.
Thursday, May 3rd, 5:00 p.m.
Saturday, May 12th, 9:00 a.m.
Northwest Vista College
3535 N. Ellison Dr.
San Antonio, TX 78251
Pecan Hall, Room 114
Tuesday, March 27th, 5:00 p.m.
Tuesday, May 15th, 5:00 p.m.
Each seminar lasts about one hour, plus Q&A from the audience.
There is a maximum of 30 registrations per seminar. Please RSVP to priscillahurst@grandecom.net. If you have any questions call Priscilla Hurst at 1 (800) 818-0484.
Thursday, January 19, 2012
FIRST ‘WOMEN IN FINANCIAL SERVICES’ CONFERENCE
SAN ANTONIO, Texas-- On January 27, 2012, from 8:00 AM to 5 PM, Money Concepts International, wealth management and financial planning corporation, will be hosting the first “Women in Financial Services” conference at the St. Anthony’s Hotel, in San Antonio, Texas. With only 20% of the financial advisors of the female gender, Money Concepts International is hosting this conference as an effort to increase the numbers of female financial advisors, in order to promote equal opportunity and diversity in the financial services industry. Ruben Ruiz, Regional Director of Money Concepts Financial Planning Centers in San Marcos and San Antonio, Texas, will be available for one-on-one interviews and photo opportunities.
WHO: Money Concepts International, Ruben Ruiz, Liza Perlow, Stacey Douglas, Karina Cantu, Brandy Napier, Kimberly Wilder, Terike Novak, Angie Lewis.
WHAT: ‘Women in Financial Services’ Conference.
WHEN: Friday, January 27, 2012, from 8:00 AM to 5:00 PM.
WHERE: St. Anthony’s Hotel
300 E Travis St.
San Antonio, Texas 78205
WHY: Women face tremendous challenges as they move through life’s transitions, from childhood to adult, from college to career, from single to married, to widowhood or divorce, and into the retirement years. Therefore, it is important to have more women in the financial services industry, who understand the needs of their female clients.
Agenda:
8:00 AM ‘Financial Services Opportunities in the Industry Today’
Liza Perlow, AML Officer—Assistant Vice-President of Compliance
Money Concepts International, Palm Gardens, Florida
9:00 AM ‘FMO’s Bring a Multitude of Products & Companies Assistance to the Agents’
Stacey Douglas, Director of Marketing and Operations
Marketing Financial, Springfield, MO
11:00 AM ‘Estate Planning for High Net-Worth Individuals and Affluent Families’
Karina Cantu, Attorney at Karina Cantu Law, PLCC
San Antonio, Texas
12 NOON Luncheon
1:00 PM ‘Selling Seven Million in Fixed Annuities without FDIC & Interest Rates’
Brandy Napier, Financial Advisor & Personal Banker
Great Southern Bank, Springfield, MO
2:00 PM ‘Partnering with Advisors & Agents Clients for Expertise Sales’
Kimberly Wilder, AIF, Financial Advisor
Regional Life Specialist, Austin, TX
3:00 PM ‘Sales & Development of Fee & Commission Based Annuities, 403b, 457, ORP’s
Terike Novak, Regional Director, Security Benefit
A Guugenheim Partners Company, Topeka, KS
4:00 PM ‘Business Banking Relationship & Services for our Clients’
Angie Lewis, Vice President, Relationship Manager-Business Banking
Amergy Bank, San Antonio, TX
WHO: Money Concepts International, Ruben Ruiz, Liza Perlow, Stacey Douglas, Karina Cantu, Brandy Napier, Kimberly Wilder, Terike Novak, Angie Lewis.
WHAT: ‘Women in Financial Services’ Conference.
WHEN: Friday, January 27, 2012, from 8:00 AM to 5:00 PM.
WHERE: St. Anthony’s Hotel
300 E Travis St.
San Antonio, Texas 78205
WHY: Women face tremendous challenges as they move through life’s transitions, from childhood to adult, from college to career, from single to married, to widowhood or divorce, and into the retirement years. Therefore, it is important to have more women in the financial services industry, who understand the needs of their female clients.
Agenda:
8:00 AM ‘Financial Services Opportunities in the Industry Today’
Liza Perlow, AML Officer—Assistant Vice-President of Compliance
Money Concepts International, Palm Gardens, Florida
9:00 AM ‘FMO’s Bring a Multitude of Products & Companies Assistance to the Agents’
Stacey Douglas, Director of Marketing and Operations
Marketing Financial, Springfield, MO
11:00 AM ‘Estate Planning for High Net-Worth Individuals and Affluent Families’
Karina Cantu, Attorney at Karina Cantu Law, PLCC
San Antonio, Texas
12 NOON Luncheon
1:00 PM ‘Selling Seven Million in Fixed Annuities without FDIC & Interest Rates’
Brandy Napier, Financial Advisor & Personal Banker
Great Southern Bank, Springfield, MO
2:00 PM ‘Partnering with Advisors & Agents Clients for Expertise Sales’
Kimberly Wilder, AIF, Financial Advisor
Regional Life Specialist, Austin, TX
3:00 PM ‘Sales & Development of Fee & Commission Based Annuities, 403b, 457, ORP’s
Terike Novak, Regional Director, Security Benefit
A Guugenheim Partners Company, Topeka, KS
4:00 PM ‘Business Banking Relationship & Services for our Clients’
Angie Lewis, Vice President, Relationship Manager-Business Banking
Amergy Bank, San Antonio, TX
Tuesday, January 17, 2012
MONEY CONCEPTS INTERNATIONAL TO HOST FIRST ‘WOMEN IN FINANCIAL SERVICES’ CONFERENCE
MONEY CONCEPTS INTERNATIONAL TO HOST FIRST ‘WOMEN IN FINANCIAL SERVICES’ CONFERENCE
SAN ANTONIO, Texas—Money Concepts International—wealth management company, will be hosting the first “Women in Financial Services” conference, in an effort to bridge the gap between men and women that work in the financial services industry.
We are currently in a social and economic revolution, where women now control most of the wealth, yet men lead the financial services industry. With only 20% of the financial advisors of the female gender, there is a shortage of women to fill these "wealth holders" needs.
Women now control more than half of all the wealth in the United States, according to the Federal Reserve. The female economy is one of the largest economies on the earth. They control 80 percent of household purchases and make 89 percent of the banking decisions for their families.
However, many women are dissatisfied with the condescending disrespect they receive from the financial services industry. Often they prefer a woman financial advisor to a man by 3 to 1.Women face tremendous challenges as they move through life’s transitions, from childhood to adult, from college to career, from single to married, to widowhood or divorce, and into the retirement years. Having more women in the financial industry, who understand the needs of their female clients, can be extremely beneficial.
It is a wise business move for companies of all industries to have equally gender balanced management and leadership teams, in order to make unbiased, strategic decisions in today’s global economy. By nature, men and women bring different, but complementary qualities and skills to the table.
Research shows that women are less likely than men to take extreme investment risks and achieve more consistent and higher yields on funds they manage. In one study, they measured brain activity in men and women while making investment decisions. In men, the reward center of their brain lit up. In women, they reward center lit up, but so did the consequences center of their brain.
“Women in Financial Services” make up about 20% of the industry. Yet, women listen more than men in client appointments. There are many reasons why there are not more women in financial planning & services & wealth management. Money Concepts Texas will do their part to increase
-more-
the number and the awareness, with a special event “Women in Financial Services,” says Ruben
Ruiz, Regional Director of Money Concepts International, financial advisor and author.
Money Concepts International will host the first conference on “Women in Financial Services” on January 27th, 2012, from 8:00 AM to 5:00 PM, at the St. Anthony’s Hotel, in San Antonio, Texas, in an effort to promote equal opportunity in the financial industry and challenge stereotypes. As a top leader in the financial industry, Ruiz’s goal is to create diversity, equality, opportunity for women, and increase financial education amongst both men and women. For additional information contact Priscilla Hurst at Priscilla@rubenruiz.net.
About Ruben Ruiz
Ruben Ruiz is an award-winning author, financial coach, president and CEO of The Ruiz Financial Group, LLC., and W&M Publishing. Ruiz is a member of the Financial Planning Association (FPA) of San Antonio and South Texas and has served in various positions for the organization, including chairman of the Board. Ruiz teaches, educates and provides consulting services to clients and associates in wealth management and financial planning. He has published three books on financial planning & money management, in English and Spanish. Ruben Ruiz, Jr., MSFS, CLU, ChFC, RFC, is a Regional Director of Money Concepts Financial Planning Centers in San Marcos and San Antonio, Texas.
SAN ANTONIO, Texas—Money Concepts International—wealth management company, will be hosting the first “Women in Financial Services” conference, in an effort to bridge the gap between men and women that work in the financial services industry.
We are currently in a social and economic revolution, where women now control most of the wealth, yet men lead the financial services industry. With only 20% of the financial advisors of the female gender, there is a shortage of women to fill these "wealth holders" needs.
Women now control more than half of all the wealth in the United States, according to the Federal Reserve. The female economy is one of the largest economies on the earth. They control 80 percent of household purchases and make 89 percent of the banking decisions for their families.
However, many women are dissatisfied with the condescending disrespect they receive from the financial services industry. Often they prefer a woman financial advisor to a man by 3 to 1.Women face tremendous challenges as they move through life’s transitions, from childhood to adult, from college to career, from single to married, to widowhood or divorce, and into the retirement years. Having more women in the financial industry, who understand the needs of their female clients, can be extremely beneficial.
It is a wise business move for companies of all industries to have equally gender balanced management and leadership teams, in order to make unbiased, strategic decisions in today’s global economy. By nature, men and women bring different, but complementary qualities and skills to the table.
Research shows that women are less likely than men to take extreme investment risks and achieve more consistent and higher yields on funds they manage. In one study, they measured brain activity in men and women while making investment decisions. In men, the reward center of their brain lit up. In women, they reward center lit up, but so did the consequences center of their brain.
“Women in Financial Services” make up about 20% of the industry. Yet, women listen more than men in client appointments. There are many reasons why there are not more women in financial planning & services & wealth management. Money Concepts Texas will do their part to increase
-more-
the number and the awareness, with a special event “Women in Financial Services,” says Ruben
Ruiz, Regional Director of Money Concepts International, financial advisor and author.
Money Concepts International will host the first conference on “Women in Financial Services” on January 27th, 2012, from 8:00 AM to 5:00 PM, at the St. Anthony’s Hotel, in San Antonio, Texas, in an effort to promote equal opportunity in the financial industry and challenge stereotypes. As a top leader in the financial industry, Ruiz’s goal is to create diversity, equality, opportunity for women, and increase financial education amongst both men and women. For additional information contact Priscilla Hurst at Priscilla@rubenruiz.net.
About Ruben Ruiz
Ruben Ruiz is an award-winning author, financial coach, president and CEO of The Ruiz Financial Group, LLC., and W&M Publishing. Ruiz is a member of the Financial Planning Association (FPA) of San Antonio and South Texas and has served in various positions for the organization, including chairman of the Board. Ruiz teaches, educates and provides consulting services to clients and associates in wealth management and financial planning. He has published three books on financial planning & money management, in English and Spanish. Ruben Ruiz, Jr., MSFS, CLU, ChFC, RFC, is a Regional Director of Money Concepts Financial Planning Centers in San Marcos and San Antonio, Texas.
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