Investment Guidance

How should I be invested?

Access a tool that generates a graphical report of what a suitable investment mix would look like based on your individual risk tolerance.

You can review the report with an investment professional who can show you how to apply the recommendations using the funds available in your 401(k) plan.

1. Answer a few questions
2. Obtain the report
3. Review 
4. Apply the recommendations

Complete the Risk Tolerance Questionnaire at www.MyRiskTolerance.net 

About Joshua E. Hernandez

Mr. Hernandez is a licensed financial professional and Investment Advisor Representative with Transamerica Financial Advisors, Inc; one of the most recognized financial firms in the United States.

His office is located in Calfornia,  where he leads a team of advisors who support clients throughout the country.

Holds the designation of CFEd - Certified Financial Educator,  has 15+ years of experience supporting families and business owners with solutions to help them pursue mid-term and long-term financial goals, often working in collaboration with his clients’ CPA and Estate Planning Attorney.  

In his spare time, Mr. Hernandez provides Free Financial Literacy Classes and mentors high school students in the areas of Self Confidence, Mindset and Public Speaking.

Calculators & Projections

• Determine what your retirement account could look like at the rate you are investing
• Get an estimation of your Social Security Income
• Find out what Required Minimum Distributions could be at any given age
• Ideas on how to save for a car or a home?
  

Give these calculators a try. They offer some rough estimates.

Financial Literacy & Ongoing Education

What should I be learning?

The road to retirement is paved with financial decisions. 

Joshua E. Hernandez is a Certified Financial Educator (CFEd). He and his team conduct monthly classes on a variety of topics related to finance.

Topics include:

• PreTax vs Roth Contributions
• Retirement Planning
• Building Wealth
• Tax Advantaged Strategies
• Debt Management
• Insurance Planning
• Social Security Planning
• Estate Preservation

Get your questions answered during these live, educational webinars designed to help you pursue a more secure retirement.

Flexicare employees have access to these "live" classes at no additional cost. View library of classes here.

Individual, Financial Coaching:

Speak with a professional

Mr. Hernandez leads a team of licensed advisors that support clients thoughout the country with answers to a variety of questions within and outside of a 401(k) plan.

 Employees have access to a licensed financial professional to discuss your 401(k), or anything else that may be on your mind related to your financial strategy.

Consultations with a licensed professional is a complimentary service available to employees of Anser Advisory.

Schedule a call in advance here:
www.401kCall.com 

A complimentary copy of the book "How Money Works"

A lot of financial books are big and boring. This book is simple and easy to read.  It’s been written and illustrated in a way for anyone to understand, with financial concepts impactful enough for executives to benefit from.

 It is available on Amazon for purchase. As an employee of Anser Advisory,  you can obtain a copy of the book from Joshua E. Hernandez for free.

Attend the next "401(k) Masterclass"
A two-part virtual class designed to help anyone better understand their retirement plan:

• A deep dive into how retirement plans work
• The tax advantages of retirement plans
• Understand plan design like eligibility, match and vesting schedules
• How to understand your investment options and diversification
• Lear how to read your quarterly statements
• Improve the conversations you have with your financial advisor

Hosted "live" by 401(k) Advisor: Joshua E. Hernandez

Enroll in the next class at www.401kWebClass.com 

A "Financial G.P.S." for every employee

A Guided Personal Strategy:

• Includes a discussion with a financial professional about where you are today and your mid-term and long-term financial goals.
• The custom strategy includes a road map with recommendations on how you can go about pursuing several of those financial goals as efficiently as possible.
• What might cost $1,000 to obtain from a Financial Planner is available to you as a complimentary service as an Anser Advisory employee.

You may implement recommendations on your own, take them to an advisor you are currently working with, or work with Mr. Hernandez directly.