Cruz Investments & Wealth Management

Investments • Retirement Plans • Taxes • Planning • Insurance

Rey Cruz, CFP® and its employees are currently only licensed to sell securities in the States of Illinois, Colorado, and Minnesota.  Our office is located at 605 N. Broadway, 2nd Floor, Aurora, Illinois.  This website is intended only for informational purposes of its existing clients and is not a substitute for competent financial, insurance, planning, legal, and tax professional advice.  Consult the appropriate licensed professional for details regarding your specific situation.  Registered Principal offering securities through Independent Financial Group, LLC (IFG).  Member FINRA/SIPC.  IFG and Cruz Investments and Wealth Management are not affiliated.  OSJ Branch located at 1755 Street Suite 200 Naperville, IL 60563.


 
 
Calculators

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

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Newsletters

Small Companies Face Costly Cybersecurity Threats

For many small businesses, the Internet is an important tool, but cybersecuity risks are growing. 40% of all targeted Internet attacks are now directed toward companies with fewer than 500 employees, and just over half of small businesses have a basic cybersecurity plan. This article provides tips to the small business owner about how to shore up their online defenses.

There’s Still Time to Catch Up

Worker confidence in affording a comfortable retirement fell to a record low in 2011, but investors aged 50 and older may be able to make up for lost time by maximizing contributions to retirement plans and taking advantage of catch-up contribution limits. The accompanying chart shows the potential difference in accumulation by taking advantage of catch-up contributions.

Understanding the Appeal of Share Buybacks

The amount of money devoted to corporate stock buybacks surged throughout 2010 and 2011 as large companies sought ways to spend their cash stockpiles and reward shareholders. This article looks at how corporate buybacks work, why they have become more common in the current economic climate, and what they typically mean for investors.

Managing Cash When Interest Rates Are Low

It's generally a good idea to keep three to six months of income in an emergency fund, but where should cash be kept when interest rates are low? This article discusses the advantages and disadvantages of savings accounts, certificates of deposit, and money market funds.

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