Cruzing Into Retirement

Rey Cruz breaks down one of the costliest retirement mistakes Americans make: claiming Social Security at the wrong time. Rey explains how full retirement age has shifted and why claiming early can cut your benefits. He also covers income-planning strategies that can help ensure your Social Security decision works for you and your family.Original Air Date: 08/16 & 08/23 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.

Most retirement planning mistakes don't happen because people make bad decisions—they happen because people wait too long to make them.In this episode, Rey Cruz explains the financial deadlines that matter most, from Medicare and taxes to income and estate planning. Learn why having a plan before retirement—not after—is one of the smartest financial decisions you can make!Original Air date: 07/12 & 07/19, 2026Investing 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.

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 2026Investing 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.

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 2026Investing 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.

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 2026Investing 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.

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 2026Investing 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 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 2026Investing 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.

In this episode, Rey Cruz dives into “Mind Over Markets", exploring how fear, greed, and emotional decision-making can impact investors, especially during volatile times. Rey explains why no one can predict the market, how your brain’s emotional alarm system influences financial choices, and why constantly checking your portfolio can actually hurt long-term results.Original Airdate: 12/14 & 12/21 2025Investing 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 madeduring 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.

Rey opens up about a tough week filled with client loss and hard reminders about how unpredictable life can be. Rey and Scott dive into a topic many people avoid—but every family needs to understand: life insurance.Rey explains why life insurance is more than a safety net, how it fits into savvy estate planning, and why old policies may no longer be serving you. Original Air date: 11/16 & 11/23 2025Investing 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. 

Rey breaks down Roth conversions — how they work, why they matter, and how to avoid costly tax mistakes. Learn how to turn your retirement savings into tax-free income and protect your legacy.Original Airdate: 10/12 & 10/19 2025Investing 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.

Rey Cruz joins Scott MacKay to break down one of the most overlooked parts of retirement planning — your estate plan. From avoiding probate and helping protecting your home to choosing the right legal documents, Rey explains the key steps every retiree needs to take. To help guide thoughtful legacy planning with a focus on future stability and care for beneficiariesOriginal Air date: 09/14 & 09/021 2025Investing 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.

Rey Cruz and host Scott McKay dive into the newly passed One Big Beautiful Bill Act of 2025 and what it really means for retirees and pre-retirees. From required minimum distributions (RMDs) to Roth conversions, estate planning, and even the surprising “Trump Accounts” for newborns, Rey unpacks how the bill impacts retirement planning today. Original Air Date: 08/10 & 08/17 2025Investing 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.Investment advisory services offered through Cruz Investments & Wealth Management, an Illinois State Registered Representative Investment Advisor. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC (MAS), Member FINRA/SIPC. Cruz Tax Advisory, LLC and Cruz Investments & Wealth Management are not affiliated with MAS. Cruz Tax Advisory offers tax advice on qualified plans. Consult your tax advisor on your specific situation.A ROTH conversion is a taxable event. Consult your tax advisor on your specific situation.Ed Slott's IRA Advisor Group℠ is a paid-membership, educational organization comprised of professionals of varying credentials. Membership in this organization does not imply a set level of skill or training. The logo and/or service mark is the property of their respective owners and no endorsement of Rey Cruz. Ed Slott's IRA Advisor Group, Cruz Investments and Wealth Management, and MAS are not affiliated entities

Rey reveals the hidden tax traps that could derail your retirement. From unexpected IRA tax hits to rising Medicare premiums, Rey breaks down how smart planning, like Roth conversions, QCDs, can help you keep more of what you’ve saved. Original Air date: 06/13 & 06/19 2025Investing 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 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.

Rey Cruz breaks down the steps of creating a Retirement Income Blueprint. He also dives into the psychological shiftthat happens when the paychecks stop, the outdated 4% withdrawal rule, and discusses guaranteed income options like annuities. Original Air date: 06/15 & 06/22 2025Investing 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 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. 

In light of Trump’s new tariffs, Rey discusses the current market volatility and advises listeners on how they should go about their retirement. Original Air date: 04/13 & 4/20 2025Investing 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 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 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 partie shave been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

Rey and Scott Discuss Rey’s most recent training and go intotax-efficient retirement strategies. Also addressed is the urgency of Roth Conversions and the importance of having money spread across tax-deferred, current, and tax-free buckets to manage taxes better.Original Air date: 03/16 & 03/23 2025Investing 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 partieshave been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

Rey and Scott talk about their most recent trip together & Rey goes into the importance of Social Security planning. Rey states when to claim, how to maximize benefits, and why setting up your SSA.gov account early matters.Original Air date: 02/23 & 03/02 2025Investing 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.

Rey Cruz is back for the New Year with radio host Scott McKay. Rey discusses Economic Uncertainty in 2025 as the new president and administration are bringing new tax law changes. He also touches on market unpredictability and the ever present issue of Inflation.Original Air date: 01/12 & 01/19 2025Investing 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.