41 Years of Lessons in Retirement Planning

Young, Smart, and Planning for Retirement

This month, Rey Cruz and Scott Mackay shift the conversation toward a younger generation of retirement planners. Rey explains how income planning, Roth 401(k)s, and savvy investing can create more freedom later in life. The episode breaks down why retirement planning shouldn’t wait until your 60s—and how small decisions today can make a huge difference tomorrow. Whether you’re in your 20s, 40s, or anywhere in between, this episode is all about building a smarter path toward retirement. Original Air date: 05/10 & 05/17 2026 Investing involves risk, including the potential loss ofprincipal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities ofthe issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer and no statementmade during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

Real Talk: Death, Money, and Your Family

In this personal episode, Rey Cruz reflects on the loss of his mother and how moments like these remind us how unpredictable life can be. He breaks down what really happens financially when a spouse passes away. From income changes to housing and tax decisions, Rey shares real-world insights from decades of experience. It’s a powerful reminder of why having a complete retirement plan in place matters more than ever. Original Air date: 04/12 & 04/19 2026 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein, provided by the third parties, have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

Wartime Markets

Rey Cruz and Scott Mackay discuss how global conflicts can create market volatility and emotional stress for investors. They emphasize the importance of staying disciplined and avoiding reactive decisions during uncertain times. Rey outlines a strong financial strategy that includes maintaining an emergency fund, protecting principal, and staying invested for long-term growth. Original Air date: 03/22 & 03/29 2026 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein, provided by the third parties, have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

41 Years of Lessons in Retirement Planning

After 41 years in the financial services industry, Rey Cruz reflects on the real-life lessons that shape successful retirement planning. From probate and Roth strategies to risk management and client trust, Rey shares powerful stories—both cautionary and inspiring—about families who got it right… and those who didn’t. In this episode, you’ll hear why preserving principal matters, what can happen when risk isn’t managed properly, and why having a trusted advisor through all five critical areas of retirement can make all the difference.Original Air date: 02/15 & 02/22 2026 Investing involves risk, including the potential loss ofprincipal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of theissuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of anindividual’s situation. Our firm is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

Life, Loss & Retirement

Life changes fast, and retirement planning needs to keep up. Rey Cruz shares personal stories and breaks down the key pieces of savvy retirement planning, from income and medical costs to risk and tax strategies. A thoughtful reminder that planning ahead isn’t just about money—it’s about clarity. Original Air Date: 01/18 & 01/25 2026 Investing involves risk, including the potential loss ofprincipal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities ofthe issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer and no statementmade during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.