WELCOME TO THE
"FINANCIAL EDUCATION CENTER"
WELCOME TO THE
"FINANCIAL EDUCATION CENTER"
When it comes to long-term planning, “Hope and Pray” is not a sustainable financial strategy...
Too many people cross their fingers, hoping that whatever they’re putting into their 401(k) will somehow be enough to support them in retirement. But hope is not a plan—and guessing is not a strategy, especially during a time you’ll be depending on that income.
The good news? With just a little time and intentionality, you can take control. You can learn exactly how much you should be investing and how to diversify your portfolio to align with your retirement income goals.
Use the tools below to get started, then schedule a call with me to learn how to implement the recommendations.
Joshua E. Hernandez
401(k) Plan Consultant & Certified FInancial Educator
Investment Guidance:
How should I be invested?
How much should I be investing?
Investment Guidance:
How should I be invested?
How much should I be investing?
Access a tool that generates a graphical report of what a suitable investment mix would look like based on your individual risk tolerance and the stage of life you're in now.
You can review the report with me and I'll show you how to apply the recommendations using the funds available in your 401(k) plan.
Answer a few questions
Obtain the report
Review it with a professional
Apply the recommendations
Complete the Risk Tolerance Questionnaire at www.MyRiskTolerance.net
Answer a few more questions and I'll generate an additional report showing you how much you should be investing aimed to acheive your retirement income boals.
Individual, Financial Coaching:
Speak with a professional
Ever spent hours watching YouTube videos trying to solve a problem, only to end up more confused than when you started?
Would a direct link to a professional who truly understands your issue have been helpful?
Good news — your company has made available a licensed financial professional who is familiar with your 401(k) plan and authorized to support employees with investment education and other financial matters.
With just an email or a phone call, he can help you get clear answers to some of your most important financial questions — from everyday money matters to long-term planning.
His name is Joshua E. Hernandez.
Mr. Hernandez brings 20 years of experience as a licensed financial professional and is available to our employees for consultations at no extra cost.
You can schedule a call with Joshua here: www.401kCall.com
Email him at [email protected]
Financial Literacy & Ongoing Education:
What should I be learning?
The road to retirement is paved with many financial decisions.
Joshua E. Hernandez is a Certified Financial Educator (CFEd) with a passion for teaching. He conducts monthly classes on a variety of financial topics designed to support smart decision-making throughout your financial journey.
These classes are engaging, fun and available to our staff at no extra cost.
Some of the topics in the class schedule:
The difference between PreTax vs Roth Contributions
Retirement Income Planning Ideas
Building Wealth Concepts
Tax Advantaged Strategies
Debt Management
LIfe Insurance Planning
Social Security Planning
Estate Preservation: Wills and Trusts
You can get an invitation to the next class by requesting it here.
Financial Literacy & Ongoing Education
What should I be learning?
The road to a secure retirement is paved with informed financial decisions.
Joshua E. Hernandez is a Certified Financial Educator (CFEd).
He and his team conduct monthly classes on a variety of topics related to finance.
Topics include education around:
PreTax vs Roth Contributions
Retirement Planning
Building Wealth
Tax Advantaged Strategies
Debt Management
Life Insurance Planning
Social Security Planning
Estate Preservation: Wills and Living Trust
Get your questions answered during these live, educational webinars designed to help you pursue a more secure retirement.
Get and invitation to the next class by requesting it here.
Individual, Financial Coaching:
Speak with a professional
Mr. Hernandez leads a team of licensed advisors that support clients throughout the country with answers to a variety of questions within and outside of a 401(k) plan.
Employees have access to a licensed financial professional to discuss your 401(k), or anything else that may be on your mind related to your financial strategy.
Consultations with a licensed professional is a complimentary service available to employees of Anser Advisory.
Schedule a call in advance here:
About Joshua E. Hernandez
Licensed 401(k) Pan Consultant
Mr. Hernandez is a licensed financial professional with Transamerica Financial Advisors, LLC, one of the most recognized financial firms in the United States.
His office is located in California, where he leads a team of advisors who support clients throughout the country.
He holds the designation of CFEd - Certified Financial Educator, has 20 years of experience supporting families and business owners with solutions to help them pursue mid-term and long-term financial goals, often working in collaboration with his clients’ CPA and Estate Planning Attorney.
In his spare time, Mr. Hernandez provides Free Financial Literacy Classes and mentors high school students in the areas of Self Confidence, Mindset and Public Speaking.
Licensed 401(k) Pan Consultant
*When you link to any of the websites/hyperlinks displayed within this email, you are leaving this email and assume total responsibility and risk for your use of the website. We make no representation as to the completeness or accuracy of any information provided at these websites. Investing involves risk including the potential loss of principal.
Transamerica Financial Advisors, LLC and its representatives do not provide tax, estate planning, or legal advice. Consult your own independent tax and legal professionals for advice on your situation and the concepts presented here. Securities and investment advisory services are offered by Transamerica Financial Advisors, LLC (TFA), a Registered Investment Adviser and Broker-Dealer, Member FINRA, SIPC.
World Financial Group Insurance Agency, LLC, World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc., (In California dba World Financial Insurance Agency, LLC) and/or WFG Insurance Agency of Puerto Rico, Inc. – collectively WFGIA – offer insurance products.
California License #0679300. WFGIA and TFA are affiliated companies. Headquarters: 6400 C Street SW, Cedar Rapids, IA 52499. Phone: 770.453.9300 TFA Headquarters: Two Liberty Place, 50 South 16th Street, Philadelphia, PA 19102. Phone: 770.248.3271
