Issue Sixteen

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It's Your Money!
Issue 16 - January 1, 2015
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Ray Hodges Financial Group is Now an Investment Advisor Representative!!

As owner of Ray Hodges Financial Group, I am pleased to announce that I am now a licensed Investment Advisor Representative (IAR) with Redhawk Wealth Advisors which is based in Minneapolis, MN.


This means that in addition to the services I currently offer such as fixed index annuities for your retirement needs, life insurance products from over 40 life insurance carriers, health insurance, and long term care insurance, as an IAR, I now offer the following products and services:


·         401(k), 403(b)/TSA for your retirement savings

·         IRA, Roth IRA for your retirement savings

·         529 for your college savings

·         Mutual funds and money market funds


I am now able to provide 403(b)/TSAs at the following school districts:


·         Dallas ISD

·         Ft. Worth ISD

·         Arlington ISD

·         Cedar Hill ISD

·         Grand Prairie ISD


There are at least two characteristics that differentiate my products and services from competing financial advisors.  First, if you compare my fees, you will almost certainly discover mine are significantly less.  I’d be happy to do a fee comparison for you, free of charge.  The savings you will experience by moving your funds to my practice could be tremendous.  As an example, if you’re paying over 3% a year in fees on a $100,000 IRA, Roth IRA, or mutual fund account, that’s over $3,000/year.  Over a 20 year career, that’s more than $60,000 in fees you’ve given away.  Switching to my practice could cut those fees in half.


Second, while typical 401(k) and 403(b) retirement portfolios are passively managed and therefore historically underperform, my advisor firm leverages money managers from high net worth portfolios to actively manage your     401(k) and 403(b) accounts.  For once, middle class clients can take advantage of the benefits enjoyed by high net worth, wealthy clients.


If you’ve been waiting to start your retirement savings or want to move your retirement funds in order to grow your account and save on fees, email or call me today to make an appointment to start the process.  In some instances, I can even offer automatic payroll deduction so you’ll be well on your way.  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


The Habit of Saving

In Napoleon Hill’s book The Law of Success written in 1928, he lists 16 behaviors that he felt would ultimately lead to your success.  One of those behaviors included the habit of saving.  For the month of January, I’ll be posting on my Facebook page excerpts from this chapter, and I encourage you to follow me at to learn how to develop this habit.


While I admit I was inspired by Napoleon Hill’s book to write this article, the reasons that you should develop the habit of saving are much more practical and immediately necessary.  Because I specialize in retirement planning, I have the opportunity to work with Baby Boomers (ages 50 and older) regularly.   The one comment I hear consistently is “I sure wish I had saved more when I was younger.”  Sometimes it breaks my heart when I’m working with a prospective client, and we both know that all he/she has to live on is the monthly social security payment.  In 2013, the average monthly social security payment for retired workers was $1,294.  What kind of life will you have if you only have $1,294 per month to live on during your retirement?


Since pensions are a thing of the past, the onus is on you to provide for yourself during your retirement.  Baby Boomers who haven’t saved enough for retirement are forced to continue working.  Hopefully your employer won’t “encourage” you to retire early, but if you’re forced to look for another job, you will almost certainly face age discrimination which has been very discouraging for my prospective clients.


Developing the habit of saving now is the only way to avoid the heart breaking outcomes I’ve witnessed among some of my prospective clients.  The time will pass faster than you think so get started NOW!  Email or call me today to create a plan to fund your savings and retirement savings.  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.