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Higher Level of Service

Learn More About the Services that We Provide

Federal Benefits Education

Federal Employees

  • Seminars
  • Webinars

Learn all about your benefits

Federal
Benefits

Personalized Information

  • Financial Planning
  • Retirement Planning

Maximizing all your benefits

Federal
Employee

Spouse Appointments

  • Retirement Planning
  • Income Planning

Family retirement planning

CSRS-FERS
Pension

Income Planning

  • Best Time to Retire
  • Other Income Streams

Gameplan for retiring

FERS
Supplement

Income Planning

  • Qualifications
  • Earnings Limitations

Designed to supplement

Social
Security

Optimization Reports

  • Best Age to Start
  • Why FRA

Retire with more income

Thrift Savings Plan

Increasing Your Plan

  • Learn About Taxes
  • Transfers/Rollovers

Maximizing your monthly income

FEHB

Health Insurance

  • Should I Keep My Plan?
  • Co-Existing with Medicare

Secure your future financially

FEGLI

Life Insurance

  • Learn About Your Plans
  • Learn About Private Sector Plans

Making the best choices

Long-Term
Care

Are You Prepared to Pay for It?

  • Planning is Essential
  • Why People Fail to Plan

Protecting your life savings

Estate Planning

Avoiding Probate

  • Wills & Advances Directives
  • Living Trust

Covering all your bases

Roth Conversions

Avoiding Future Taxes

  • Tax-Free Withdrawals
  • Tax-Free Legacy

Growing your money tax-free

Federal Employee

Retirement Day

  • Human Resources
  • All-Related Forms

Preparation & completion

What We Offer

Click on the different headers to learn more about each of our services. Contact us today for more information!

Managing Withdrawals and Making Incomes Last

  • peace of  mind & guaranteed life-time income

Financial Wellness

  • wealth management
  • daily active management
  • risk management safeguards

Protect Your Income and Retire Your Risk

  • zero risk
  • grow your savings
  • protect your retirement
  • defer your taxes

Give Your Money a Raise

  • CDs alternatives
  • safe money
  • fixed rates 2%-6%
  • guaranteed for 2-7 years

Understanding Short-Falls

  • timing reports
  • leaving retirement income dollars on the table

Tax Planning Strategies That Can Lower Your Taxes

  • retirement savings
  • planning, managing, and reducing your taxes

Learn About the Withdrawals You Are Required to Take

  • strategic planning
  • required minimum distribution

Choose From a Wide Range of Investment Products

  • transfer accounts
    • TSP
    • 401(k)
    • IRA
    • 403(b)
    • 457(b)
  • open new IRA account
  • fund your account
  • build your portfolio

Make Your Business Work for Your Future

  • turn large tax savings into retirement income
  • retirement plans

Leveraging a Gift Into a Much Larger Future Gift

  • increase inheritance
  • tax-free transfer to children or grandchildren

Roth IRA Rules: Things You Must Know

  • avoid future taxes
  • grow money tax-free
  • tax-free withdrawals
  • leave a tax-free inheritance

Covering All the Bases

  • avoid probate
  • What is a will?
  • What is a trust?
  • What are the advanced directives?

Eliminating Out-of-Pocket Expenses

  • supplement plans
  • Medicare advantage
  • prescription drug plan
  • best choices planning

Don’t Wipe Out Your Life Savings

  • no out-of-pocket premium plan
  • increase assets
  • money back guarantee
  • tax-free benefits 

Permanent Life Insurance Should Be Affordable

  • guaranteed no-lapse
  • no premium increases
  • living benefits

Affordable, Reliable, & Simple

  • protect your family
  • funeral, burial, cremation, and additional expenses

Request a Complimentary Consultation with a Certified Financial Fiduciary

Contact Us

For over 30 years, Ray has been providing financial planning services to federal employees, executives, business owners, educators, seniors, and pre-retirees. Ray has been educating in the financial services industry and providing value to clients as a Financial Advisor; helping them plan for their short-term needs and long-term goals.

Meet Ray Torres

Contact Ray Today!

(505) 480-2591
raytorresinvestments@gmail.com
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