Charles Cardenas’s philosophy and that of the RPS Retirement Planning Systems of South Texas act in the client’s best interest. His clientele includes healthcare professionals, state and federal employees, business owners, and blue-collar workers. Charles understands that his clients are concerned about protecting their hard-earned assets and are extremely worried about possibly running out of money during their retirement years. RPS’s goal is for every client and their families to have sufficient income during retirement and to pass on family assets to the next generation efficiently through proper estate planning.
November 14, 2024

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A 2024 AARP survey found that 61% of Americans are worried they won’t have enough money to retire. As you weigh your options and start building a resilient retirement income. . .

November 7, 2024

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Retirement spending is a challenge that many are finding increasingly difficult to solve. With people living longer while the average retirement age remains relatively consistent, the question of how to. . .

October 30, 2024

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While many people are satisfied with fixed and variable annuities as written, you can adjust your contract terms by adding annuity riders. A GMWB annuity rider can help protect you. . .

October 24, 2024

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A Simplified Employee Pension Individual Retirement Account (SEP IRA) is an appealing retirement savings option for small business owners and self-employed individuals. It provides a way to save for the. . .

September 19, 2024

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You’re not alone if you’re in your 40s or 50s and feel like your retirement savings are lagging. Many people reach this stage of life and realize they haven’t saved. . .

August 14, 2024

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When it comes to managing your finances, a financial advisor may be an invaluable resource. Whether you’re planning for retirement, investing in the stock market, or simply trying to make. . .

July 10, 2024

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Planning for retirement is a crucial step in securing a comfortable and financially stable future. However, many people face the challenge of preparing for retirement on a limited budget. With. . .

June 6, 2024

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Financial knowledge and resources are crucial for economic stability and growth. However, in the United States, there are significant gaps in access to wealth-building tools and financial literacy, particularly among. . .

May 2, 2024

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Retirement planning is a complicated and lengthy process that requires careful consideration and strategic decision-making. Even with diligent preparation, common pitfalls may significantly undermine your retirement plan’s stability. Recognizing and. . .

April 8, 2024

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In an era marked by advancements in healthcare and living standards, the prospect of a longer life is a reality for many. However, this blessing also introduces a complex financial. . .

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