Issue Seventeen

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It's Your Money!
Issue 17 - February 24, 2015
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The $120,000 You'll Never See

In 2012, the US Department of Labor issued a rule requiring more transparency regarding fees associated with retirement plans – 401(k), IRA, etc. Not surprisingly, the retirement plan administrators, money management firms, and your current financial advisor were none too happy about this ruling. Why? Because most people saving for their retirement have no idea how much of their retirement savings is being eaten up by operating fees, advisory fees, and hidden fees.

Some of you may have seen this 60 Minutes segment in 2013 The 401k Fallout that called attention to this problem that continues to affect millions of Americans who are diligently saving for their retirement. This segment also made us all aware of the mediocre mutual funds that are used to invest your retirement savings and the shady, behind the scene agreements that lead to the selection of some of those mutual funds. I plan to do an article comparing my exchange traded funds versus the mutual funds used in your 401k, IRA, etc. Trust me. You want to move your retirement savings to one of my funds, but for now, let’s take a closer look at the fees.

The most I charge in fees for my retirement plans and accounts is 1.9%. Your 401k/IRA that contains mutual funds is costing you at least 3% per year. And that’s being conservative. If you have $100,000 in your 401k, that 1.1% difference in fees equals $1,100 in additional fees per year. Over 20 years, you would miss out on approximately $60,000 in retirement savings. If you have $200,000 in your 401k, you would give away almost $120,000 in retirement savings. Ask a Baby Boomer who is retired and on a fixed income whether an extra $120,000 would be helpful right now.

Email or call me today to set an appointment to either open a retirement account or to roll over your retirement funds so that you can pay lower fees and enjoy more of your 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

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


"I Know So" Money vs "I Hope So" Money

We’ve all been told “Save and invest your money” but unfortunately, most of us were never given any specific direction or guidelines to decide where to save and invest other than our 401(k). There are numerous products and options, but how do you know what to do with your money? 

There is a simple method to use along with a rule of thumb that will make your decision making a lot easier, and you don’t have to be a financial advisor to understand it. Most financial options fall into two categories: green money and red money. Green money options are safe money options that have no exposure to the risk of neither market downturns nor interest rate fluctuations. Green money is also referred to as “I know so” money. Examples of green money would be CD’s, checking accounts, savings accounts, and fixed annuities. Green money options often offer built-in guarantees and can offer guaranteed lifetime payments – hence the name “I know so” money

Red money options are at-risk options that are exposed to loss due to market downturns or interest rate fluctuations. Red money is also referred to as “I hope so” money. Examples of red money would be stocks, bonds, mutual funds, and variable annuities. Red money options offer unlimited upside potential but carry the risk of losing all of your money – hence the name “I hope so” money

To determine how much of your money should be green vs. red, use the “Rule of 100.” Simply subtract your age from 100, and the difference is the recommended percentage to contribute to red money options. For example if you are 60 years old, 100 – 60 = 40 therefore no more than 40% of your money should be in red money options and 60% should be in green money options. 

Call me today to receive a free “Color of Money” report to help determine how to allocate your money. 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 over 40 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.