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Texas Financial & Retirement

Financial planners helping East Texans get retirement right

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Income Planning

How can I save more for my retirement?

By Texas Financial | September 6, 2018

How can I save more for my retirement?

As we grow older and get closer to our expected retirement, we often look for ways to increase our savings to have better retirement income. There are several ways you may be able to do that. Employer Matching Contributions Obviously, if your employer offers a retirement savings plan like a 401(k) or 403(b), you shouldRead More

Filed Under: Asset Accumulation and Growth, Income Planning, Investment Planning, Retirement Tagged With: 401k, finances, holloway financial, holloway financial planning, james holloway, life planning, retire, retirement planning, savings, texas financial & retirement, texas financial and retirement

Even older working households with a retirement plan aren’t saving enough

By Texas Financial | August 23, 2018

Even older working households with a retirement plan aren’t saving enough

Every generation seems to enjoy pointing at the newest generation coming up behind them and saying, “Those kids today! They just don’t …” Today’s aging Baby Boomers are no different. It’s common to hear those “of a certain age,” complaining about Millennials (those aged 22 to 37, currently). It may be criticism of their wardrobe,Read More

Filed Under: Asset Accumulation and Growth, Income Planning, Investment Planning, Retirement Tagged With: 401k, holloway financial, holloway financial planning, james holloway, life planning, millennials, retire, retirement planning, savings, texas financial & retirement, texas financial and retirement

Why saving money isn’t all you need to do to get retirement right

By Texas Financial | August 2, 2018

Why saving money isn’t all you need to do to get retirement right

If you asked people approaching their planned retirement age if they wish they had saved more in their earlier working years, almost all would say “yes.” Without a time machine, we can’t go back and save more sooner. We can only make changes going forward to improve our retirement income. But even if we’ve beenRead More

Filed Under: Asset Accumulation and Growth, Income Planning, Retirement Tagged With: finances, holloway financial, holloway financial planning, james holloway, life planning, retire, retirement planning, savings, texas financial & retirement, texas financial and retirement

Should you visit with a Financial Advisor or Planner?

By Texas Financial | July 23, 2018

Should you visit with a Financial Advisor or Planner?

Smart people know that sometimes they need to seek out expert opinions – because none of us is an expert in everything. As the person in charge of your finances, you should be willing to consult a financial advisor when necessary. We serve a diverse group of clients at Texas Financial and Retirement and haveRead More

Filed Under: Asset Accumulation and Growth, Financial Planning, Income Planning, Investment Planning, Retirement, Social Security Tagged With: finances, financial adviser, financial advisor, financial planner, holloway financial, holloway financial planning, james holloway, life planning, social security planning, texas financial & retirement, texas financial and retirement

When should I start receiving my Social Security benefits?

By Texas Financial | July 21, 2018

When should I start receiving my Social Security benefits?

The amount you can expect to receive from Social Security varies quite a bit. As we at Texas Financial & Retirement like to point out, Social Security should only account for about ⅓ of your income during retirement (the other ⅔ coming from retirement plans and personal savings). For many people, it will actually beRead More

Filed Under: Financial Planning, Income Planning, Retirement, Social Security Tagged With: financial adviser, financial advisor, financial planner, holloway financial, holloway financial planning, income, james holloway, life planning, retire, social security planning, texas financial & retirement, texas financial and retirement

Everyone is working longer before retirement – particularly women

By Texas Financial | July 20, 2018

Everyone is working longer before retirement – particularly women

Men and women are different, in case you weren’t aware. And not just physically – the differences extend into many aspects of life, including retirement. Our gender affects the predicted average length of our lives and the age at which we will likely choose to begin retirement. According to the Center for Retirement Research atRead More

Filed Under: Financial Planning, Income Planning, Investment Planning, Retirement Tagged With: career, holloway financial, holloway financial planning, life planning, retire, retirement age, texas financial & retirement, texas financial and retirement

Can I live on my Social Security when I retire?

By Texas Financial | July 19, 2018

Can I live on my Social Security when I retire?

No, you probably cannot. Social Security is not designed to replace your full working wages. It’s intended to cover only approximately 40 percent of the income you earned while working. You may not need to fully replace your working years’ income during retirement, however. The Social Security Administration notes that many financial advisors suggest you’llRead More

Filed Under: Financial Planning, Income Planning, Retirement, Social Security Tagged With: finances, holloway financial, holloway financial planning, income, james holloway, life planning, retire, retirement planning, savings, social security planning, texas financial & retirement, texas financial and retirement

What Happens To My 401(k) Or 403(b) When My Employer Changes?

By Texas Financial | June 18, 2018

What Happens To My 401(k) Or 403(b) When My Employer Changes?

When you leave an employer, or your employer is bought or merges with another company – or goes out of business, you typically need to decide what to do with your old 401(k) or 403(b) retirement account. That’s not terribly uncommon. Recently, right here in East Texas, we have seen major changes within the medicalRead More

Filed Under: Financial Planning, Income Planning, Investment Planning, Retirement Tagged With: finances, financial adviser, financial advisor, financial planner, holloway financial, holloway financial planning, income, james holloway, life planning, retire, rollover, savings, texas financial & retirement, texas financial and retirement

Are you overdue for a Financial Stress Test?

By Texas Financial | May 29, 2018

Are you overdue for a Financial Stress Test?

Speaking of a physical stress test, the Mayo Clinic says “A stress test, also called an exercise stress test, shows how your heart works during physical activity. Because exercise makes your heart pump harder and faster, an exercise stress test can reveal problems with blood flow within your heart.” We may not always be pleasedRead More

Filed Under: Financial Planning, Income Planning, Retirement Tagged With: 401k, finances, financial adviser, financial advisor, financial planner, holloway financial, holloway financial planning, james holloway, retire, savings, texas financial & retirement, texas financial and retirement

Do you need more certainty in retirement?

By Texas Financial | May 22, 2018

Do you need more certainty in retirement?

When we’re in the workforce during our accumulation years, the last thing we want to see with our finances is too much stability. We want growth, and lots of it! The chance for that growth is balanced against the risk of some losses. The goal, of course, being to see more gains than losses duringRead More

Filed Under: Financial Planning, Income Planning, Investment Planning, Retirement Tagged With: annuities, finances, holloway financial, holloway financial planning, income, james holloway, retire, retirement planning, savings, texas financial & retirement, texas financial and retirement

How much do I need to save for retirement?

By Texas Financial | May 9, 2018

How much do I need to save for retirement?

How much is “enough” for retirement is a very personal question – it varies greatly from one person or family to another. Here are just a few of the things you ought to consider when trying to determine how much is enough for you to save for retirement. What age do you plan to retire?Read More

Filed Under: Financial Planning, Income Planning, Investment Planning, Retirement, Social Security Tagged With: financial planner, holloway financial, holloway financial planning, income, james holloway, life planning, retire, retirement planning, savings, social security planning

How soon do I need to start saving for retirement?

By Texas Financial | April 30, 2018

How soon do I need to start saving for retirement?

Retirement today is very different than it was half a century ago. In the past, many received pensions from their lifelong employers after they retired. Combining that pension with Social Security and the confidence that their largest purchase (a house) would certainly be worth more every year helped create a stable retirement. Now, pensions areRead More

Filed Under: Asset Accumulation and Growth, Financial Planning, Income Planning, Investment Planning, Retirement Tagged With: 401k, finances, financial adviser, financial advisor, financial planner, holloway financial, holloway financial planning, life planning, retire, retirement planning, savings, texas financial & retirement, texas financial and retirement

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Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM).  AEWM and Texas Financial & Retirement, LLC are not affiliated companies.

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