Issue Fifteen

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It's Your Money!
Issue 15 - May 28, 2014
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What Goes Up Must Come Down

That was the first line of the hit song, “Spinning Wheel” by Blood, Sweat and Tears in 1969, and you would be wise to consider this lyric when thinking about your retirement savings and the current inflated stock market.

Though some of you may be too young to remember this song, those of you who do remember it are the very people who concern me the most. If you are 55 years of age or older (I would include 50+ as well.) and still have the majority of your hard-earned retirement savings exposed to stock market losses within a 401(k), IRA, or variable annuity, you are taking a dangerous risk that could lead to catastrophe. Think about the last two market collapses that occurred. In 2002, the S&P 500 plummeted by 46%. In 2009, the S&P 500 sank by 59%. Now think about how your retirement savings will be affected when the stock market comes tumbling down.

Back in December 2013, I wrote an article titled “I Know So” Money vs. “I Hope So Money” within which I provided a rule of thumb that you can use to determine how much of your retirement savings should be exposed to market loss. If you subtract your age from 100, the resulting number is the maximum percentage that should be exposed to market loss. I suggest the rest be placed within a financial vehicle that guarantees 100% protection of your savings and has no exposure to risk. For example, if you are 55 years of age, 100 – 55 = 45. No more than 45% of your retirement savings should be exposed to risk, and the remaining 55% should be in a place completely safe from market loss. I highly recommend a fixed index annuity for that percentage of your retirement savings that you can not afford to lose.

Email or call me for a copy of “The ABCs of Annuities”, a FREE DVD I provide to all of my clients and future clients who are interested in protecting their hard-earned retirement savings. It’s your money . . . until you give it away.

Did you know?

Social Security Fact:  if you are divorced, both you and your ex can collect spousal benefits (on each others work histories) after full retirement age while still postponing taking your own retirement benefits until age 70, when they are as high as can be.


If you are approaching retirement, already retired, or considering an early retirement and would like to learn more social security maximization strategies, call me to receive your personalized, free "Social Security Maximization" report.  It's your money . . . until you give it away.

Joint Ventures

Ray Hodges Financial Group is proud to announce that it has entered into a joint venture agreement with Marcus Robin, owner of AFIG, LLC  AFIG is an independent insurance agency that offers auto, home, life, health, commercial, business, and motorcycle insurance.  Call AFIG today at 469-461-3381 to compare your insurance rates to see if Marcus and his staff can save you money.  It's your money . . . until you give it away.


Women Called Moses (WCM), a non-profit organization created to provide a secure shelter for battered women and their children . Make your charitable contributions count by giving to this worthy and necessary organization.

Business Shout Out!

The following businesses are now members of my Business Advisory Council.  All members have proven to be reputable, fair, and committed to delighting their customers.  Please join me in congratulating them!

Nathan Lawrence Group, LLC, OUTSTANDING and PROFESSIONAL web, video/audio, video commercial, and elearning in Dallas, TX, 214-212-6161


Chef Carlos on the Square, AWESOME restaurant in Lancaster, TX, 972-218-8000

10 Minute Oil Change, HONEST car repair in Duncanville, TX, 972-572-7800

Buddy’s Sporting Goods, goto place for uniforms, sports equipment, etc, in Duncanville, TX, 972-780-8149

Dry Clean USA, the dry cleaners that keeps me so fresh and so clean, clean, Cedar Hill, TX, 972-291-9917


Are You Looking at the Big Picture?

Everyone should have an idea of their financial big picture and the two most important things you need to know are 1) where you are financially and 2) where you want to go financially. When you think of your financial picture, you have to answer these two questions if you plan to master your money.

If you don't understand the emotions behind your spending, you aren't ready to look at the big picture. If you don't have spending under control, you aren't ready to look at the big picture. If you haven't begun to save at least 1% of your income and started powering down your debt, you aren't ready to look at the big picture. Don't look up one day and regret not looking at your big picture.

Having a big picture view means you can also answer these three questions: 1) At what age do I want to retire (have enough passive income to wake up in the morning and elect to work or not)? 2) How much money do I want to receive each month when I reach this retirement age? 3) Do I have specific plans to assure I will receive this desired income? If you have not asked/answered these questions, when will you?

Email or call me today to begin answering the questions necessary to create your big picture. It’s your money . . . until you give it away.

Did I mention . . .

If you recently married, had a newborn baby or grandchild, bought a new home or recently divorced, you may need to increase or update your life insurance needs.  You can now use my quoter for a hassle-free quote! Because I'm contracted with 37 carriers, my quotes are the most competitive in the country!  Go to to get a free quote and apply online! 


·       Looking for a featured speaker for your group, association, organization, small business, etc? I regularly present "10 Principles of Money Mastery", "Financial Education in the Workplace", "Social Security Maximization", and "Color of Money" to organizations just like yours. Call or email to make me your featured speaker!


College Bound Rewards Program

RHFG recently signed an agreement that enables clients to earn College Bound Rewards at select private universities at over 300+ colleges in 45 states which includes Austin College, Lindenwood University, Fontbonne University, Clark Atlanta University, Morris Brown College, Bradley University, and DePaul University to name just a few.  The program is similar to an airlines frequent flier program in that all points/dollars accumulate FREE OF CHARGE and can be applied at any member school.  Current maximum reward range is $10,800 to $44,075.  Call me today for more details.

Ray Hodges Ray Hodges

214-810-5881 (w)
214-675-2952 (m)
214-785-6173 (f)
1204 Ashford Dr, Desoto, TX 75115, United States
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It's your money . . . until you give it away.