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

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.

Rising Popularity of Roth IRA as Retirement Vehicle

Investment in the Roth IRA has been growing dramatically. Fueling the growth of this popular investment vehicle are tax-free distributions in retirement and no mandatory withdrawals due to age. Compare the trade-offs of Roth IRAs with traditional IRAs, including eligibility limitations, annual contribution limits, and withdrawal considerations.

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

Understanding the Appeal of Mutual Funds for High-Income Households

Mutual fund ownership increases directly with household income. In fact, 81% of households with incomes of $200,000 or more own mutual funds. What is it about mutual funds that attracts affluent investors?

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