Fernando Aponte: Financial Advisor

Would you rather live abroad or stay in your home country during retirement? Spend more on groceries every month or have a gym membership?

It's important to think about what you desire most out of your retirement, and also what matters most to you in your day-to-day budgeting. Schedule some time with me, or any financial professional, to get a jumpstart on figuring out your future.

Here are some tips that may help you protect your parents against financial fraud or exploitation. You can call (833) 372-8311 to be connected with case managers who will assist you and direct you to additional resources.

Scammers will many times pretend to be a trusted individual, such as family or an employee of their bank. It is imperative to be knowledgeable in order to prevent a catastrophe.

As Your Parents Age, Help Them Protect Their Finances It's heartbreaking to hear stories of people losing money (even their life savings) as a result of fraud or financial exploitation, especially if they are older and financially vulnerable. In fact, it's quite common. People age 70 and older reported losses of $567 million in 2022.1 You know your par...

A 529 plan allows you to make tax-free withdrawals to pay for qualified education expenses, such as college tuition and fees. A 529 plan, also known as a qualified tuition plan, is a tax-advantaged savings plan designed to help you pay for education.

What Is A 529 Plan? If you’re looking to save money for your child’s education, consider a 529 plan. A 529 plan allows you to make tax-free withdrawals to pay for qualified education expenses, such as college tuition and fees. What Is a 529 Plan? A 529 plan, also known as a qualified tuition plan, is a tax-advantag...

How do you get life insurance? Let us help you out. Contact me today to get started.

If you live on tips, commission or other irregular earnings, it can be harder to predict your income. Here are some tips on how to budget with uneven paychecks.

Millennial Money: How to budget with a fluctuating income If you’ve ever lived off of tips or commissions, you may be familiar with the up-and-down paychecks common in certain industries. Service jobs, sales jobs, creative careers and project-based work can all have fluctuating income, where seasonality, events or the general economy might affect your ea...

The younger you are, the more your savings can grow. Taking the time to learn a few basic financial rules can help you build a healthy financial future.

8 Financial Tips for Young Adults The younger you are, the more your savings can grow. Here are eight basic money rules to get your finances on track.

Life insurance can provide living benefits, tax-free income that can help reduce your income tax liability AND can help reduce taxes on other income streams.

A great article that talks about using an IUL as an investment vehicle to pay off student loans.

The IUL is one of the top things I recommend for healthy individuals with life insurance and retirement accumulation or debt payoff needs.

How To Use Life Insurance To Pay Your Student Loans Life insurance isn't normally thought of as a way to help pay off your student debt. This article explores that possibility.

Many people don’t know that life insurance can come with living benefits,
including funds you can use while you’re alive to do things like buy a home,
supplement your retirement income, cover an emergency expense and more however this could reduce the death benefit/cash value.

Wondering what Universal Life Insurance is and if it’s right for you? Learn more into how IUL works, and how it can be a great way to supplement retirement income!

Universal life insurance Wondering what universal life insurance is and if it’s right for you?

It's important to reflect and celebrate our financial wins, no matter how big or small! As we wave goodbye to August and welcome the month of September, I encourage you to honor the steps you're taking to achieve your financial goals.

Still trying to save for those Eras Tour tickets?

Reach out to me today, and we can build a strategy for your personal savings goals!
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The power of "unplugging" is universally true and speaks to the importance of rest. All things – including people – need to take a break every so often in order to function properly.

A financial strategy built in the past, anchored in the present and ready for the future. Contact me today to discuss your goals.

Use this summer to schedule a meeting to ensure your current coverage is in good order and address any outstanding needs. Contact me with any questions.

How do you spend pay day? Do you save, invest or spend? Check out these steps on how you can spend pay day the smart way!

All investing involves risk, including the possible loss of principal, and there can be no assurance that any investment strategy will be successful. Consult a qualified professional for investment advice specific to your situation. Registered Representatives offer securities through Mutual of Omaha Investor Services, Inc., Member FINRA/SIPC. Investment Advisor Representatives offer advisory services through Mutual of Omaha Investor Services, Inc.

Conservative investors —

Fixed annuity rates are back up to 5%. If you do not feel comfortable with market risks or volatility, this can be a great option for investing a lump sum for growth. If you were to invest $100,000 into a fixed annuity today, you would come out with $27,600 in growth after 5 years.

Reach out to me if you have any questions about fixed investments!

In addition to a valuable death benefit, life insurance can offer a variety of living benefits as well. Long-term care, child dependents, retirement income and disability concerns can all be addressed with life insurance. Make sure you have a policy to help meet your needs and goals.

Roth IRAs can help create a tax-free retirement income stream. Saving after-tax dollars now may allow you to take tax-free withdrawals in retirement. Check out this article to learn more about how Roth IRAs work and let’s talk about how they might fit into your overall strategy. Contact a tax advisor for tax advice specific to your situation.

Roth IRA Basics: 11 Things You Must Know | Kiplinger Get trusted Roth IRAs advice, news and features. Find Roth IRAs tips and insights to further your knowledge on kiplinger.com.

Cash is no longer trash, but the opportunity cost might be greater than you think. (July 26, 2023)

The market has rallied nearly 30% since October, which, in theory, means we’ve entered a new bull market. However, many people simply do not care—last year’s scars are still fresh.

Many investors don’t appear to be putting much faith into this rally. We see this in equity flows, which remain subdued and well below last year’s pace.

Using 3-month Treasuries as a cash proxy, investors can earn more than 5% on cash. This is the highest yield since 1995.

What is it costing investors by sitting in cash? In the short term, very little. But over the long-term, it's significant.

- Morningstar Investment Management LLC

Mutual of Omaha's Critical Illness insurance offers rates to ease the burden in your financial plan. Click here to learn more: https://www.mutualofomaha.com/critical-illness-insurance?agent_id=1048922

Mutual funds offer a convenient way to participate in a wide range of market activity.

Mutual funds pool investment dollars from many individual investors to purchase a group of selected securities aimed at meeting a particular objective. This offers a convenient way to invest across a wide range of market activity that would be difficult for most investors to do by purchasing individual securities. More than 52% of U.S. households owned mutual funds in 2022.

Contact me to discuss potential investment options that would be appropriate for you.

*Disclosure: All investing involves some risk, including possible loss of principal.

Mutual funds offer a convenient way to participate in a wide range of market activity.

Mutual funds pool investment dollars from many individual investors to purchase a group of selected securities aimed at meeting a particular objective. This offers a convenient way to invest across a wide range of market activity that would be difficult for most investors to do by purchasing individual securities. More than 52% of U.S. households owned mutual funds in 2022.

Contact me to discuss potential investment options that would be appropriate for you.

*Disclosure: All investing involves some risk, including possible loss of principal.

If you are a small business owner with 10 or more employees, have you considered group benefits such as Life Insurance and 401(k)?

These are common employment perks that will make your place of work stand out against your competitors. You want to attract top talent with what you have to offer your employees! Chat with me today and I can help you navigate your options to provide benefits to your employees.

During turbulent economic times, it may make sense to buy life insurance. Here are a top few reasons to help decide if it’s right for you.

Did you know Medicare supplement insurance doesn’t cover prescription drugs? Give me a call to help you choose the right Mutual Of Omaha Rx Prescription Drug Plan (PDP) for you.