Issue Nineteen

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It's Your Money!
Issue 19 - January 4, 2016
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Your Retirement Savings is Slowly Being Erased by Market Losses

You may have noticed that your retirement savings has been slowly decreasing over the last six to 12 months. The S&P 500 suffered negative returns this year for the first time since 2008, the year of the painful and costly financial crisis. The financial analysts are predicting an even more significant decrease in the market in 2016. How much of your retirement savings is exposed to market losses and is your time horizon long enough to recover if the market crashes?

If you have read any of my previous articles, you know that I advocate the Rule of 100 regarding how much of your retirement savings should be exposed to market losses. Subtract your age from 100, and the result is the percentage that SHOULD NOT be exposed to the market e.g. IRA, Roth IRA, stocks, bonds, etc. If your advisor has the bulk of your portfolio in treasury bonds, and you think you’re safe, you’re not. Your nest egg is eroding due to management fees and inflation.

Regarding your time horizon, if you are nearing retirement or have already retired, it makes absolutely no sense to expose the bulk of your retirement savings to the unforgiving market. Unfortunately, I’ve met several retirees who suffered significant losses in 2008 because they rode the market wave too long. They never recovered, and they have spent their golden years of retirement living Social Security check to Social Security check.

You can and should move the bulk of your hard earned retirement savings to a vehicle that will pay you an immediate 7% bonus, provide no risk of loss regardless of market conditions, and provide a lifetime income payment along with your Social Security payment – two paychecks for the rest of your life.

Call me at 214-810-5881 to set an appointment to discuss your best option for protecting your retirement savings while you still can. 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

J H Talley & Associates is an accounting firm owned and operated by James H Talley, CPA and IRS registered tax preparer.  If you are an individual or small business owner, J H Talley & Associates can assist with tax preparation, tax planning, bookkeeping, accounting services, estate and trust taxes.  Call him for all of your tax and accounting needs, and be sure to tell him I referred you.

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

 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



·       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!


A Social Security Change that Might Cost You Thousands

On October 28, 2015, the House of Representatives approved the Bipartisan Budget Act of 2015 which contains significant changes to Social Security claiming options, especially for seniors who are or were married for 10 years or more.

The new Act eliminates the “File & Suspend” claiming strategies that savvy married couples have used in the past. File & Suspend is a strategy used by married couples to simultaneously generate a paycheck from Social Security (spousal benefit) while deferring at least one of the couple’s retirement benefits until a later date. This strategy allows married couples to take advantage of the deferral credits that increase Social Security retirement benefits by eight percent per year after full retirement age (66 years of age) and still get a Social Security benefit check each month.

If you or your spouse have already decided to file for your full Social Security payment early at age 62 though you would only earn 75% of your entitled benefit, you can stop reading this article now. If your finances dictate forfeiting 25% of your monthly income for the rest of your life, none of the remaining strategies can help you.

Under the new Act, married couples (and formerly married couples) can still take advantage of File & Suspend, but it is highly restricted. The spouse who is going to file and suspend has to have been born no later than May 1, 1950, and submit their request to file and suspend on or before April 29, 2016, so Social Security has time to process their application. This reflects the six-month grandfathering window included in the 2015 Budget.

The spouse who wants to take their full spousal benefit by itself and let their own retirement benefit grow must be born no later than Jan. 1, 1954. The grandfathering rule here is you need to be 62 by the end of 2015.

Call me at 214-810-5881 to set an appointment to discuss your most effective strategy for filing for your Social Security payment. It’s your money . . . until you give it away. 

Did I mention . . .

Ray Hodges Financial Group is now a licensed Investment Advisor Representative (IAR).  As an IAR, I can roll over your 401(k)/IRA you left at your former employer, act as your financial consultant if you are considering a retirement buy out at your employer, and provide IRAs and Roth IRAs to individual investors.

If you are a business owner, I provide SEP IRA, SIMPLE IRA, SOLO 401(k), and SIMPLE 401(k).  If you are a plan sponsor/business owner, I provide 401(k), Profit Sharing, Defined Benefit, and Cash Balance Plans.  In addition, I can facilitate an ERISA 3(38) Investment Manager relationship if you are exposed to fiduciary liability.

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.