Ricardo Stallings-Capital Choice Financial Services

06/04/2026

Just because one is saving for retirement that does not mean you will be able to retire and not have to find a job. Usually without planning you may get about 40% of your income in retirement. The recommended percentage is about 70-80%. That could work if all the right moves are made to make sure your expenses are below that percentage. Unfortunately today, retirees are carrying more debt into retirement.

A full retirement can be accomplished if you start at the right time and have the discipline to do so. You can almost guarantee you can retire fully and not have to retire to go to work if you start now.

Capital Choice can help, we have the tools, the products & the knowledge to help you accomplish your goals. Saving for a proper retirement is not gimmicks, its discipline, desire & a gameplan. Contact 9152949698 or DM for your free consultation & complimentary MoneyTrak gameplan!

05/08/2026

If you want the true power of what an annuity can provide IUL's will not provide it. Annuities are the only financial products that can guarantee an income for life, protects your principle from market down turns while you still benefit from market growth and can provide a legacy for your family.

There are many other benefits, lets have that discussion, the power of an annuity and your future retirement. Contact 9152949698 or DM, you will also receive a complimentary MoneyTrak gameplan!

05/03/2026

I have been in financial services for 18yrs and one of the most consistent objections I hear people say against life insurance is they don't pay. Well its only 1 reason an insurance company legally will not pay & I guarantee if you investigate any non-payment of a policy this will be the reason.

EVERY life insurance company has a clause in their policies called a 2yr contestability clause. What that means is, within the first 2yrs of a life insurance policy, if an insured dies, the company by law has the right to investigate the claim to make sure that at the application process EVERYTHING was filled out honestly.

Once an investigation is done, if it is shown that the insured was dishonest about a medical condition & they died from said condition, the company is not obligated to pay that policy. If everything was on the up & up they will pay with interest. During the underwriting process they ask for doctors info & they search the medical bereau but it takes months for the bureau to update. So if you found out you had cancer one day & you rarely visit a doctor & you go get life insurance the same day, particularly as non-med, that diagnosis will not show up, but you die 6 months later, it will show you found out you had cancer the day you filled out the app & didn't disclose, they not paying.

Bottom line, don't lie on a life app, disclose everything, give them a chance to make an informed decision, they can only say no but don't put your family in a position to learn the hard way now they get a bad taste in their mouths about life insurance.

04/21/2026

When it comes to building a financial house, you have to have a strong foundation. That foundation is life insurance, if you don't have the right type of life insurance or the right amount, its just like a physical house, without a strong foundation the house will crumble. Every thing else to build your financial house comes AFTER the foundation has been laid. What is that you may ask, lets discuss it!

Contact 9152949698 or DM, lets have that discussion & put together yiur complimentary financial game plan!

04/13/2026

I had someone ask me about supplemental retirement plans, she mentioned she had went to her HR department and they told her to look into IUL's so she asked if I knew about them. I told her that's the WORST thing you can do to supplement your retirement. I then broke down to her how insurance works, what it's meant for & how to price life insurance.

If a 35 year old male needs $1,000,000 to protect his income for his family, he can get that coverage with a living benefits 30yr term policy for about $94-$175 monthly depending on his health. Now he is good for the next 30yrs, income protected be it premature death or critical illness & he doesn't die.

Now if he wants to supplement his retirement or does not have a retirement, and he has the means lets say hypothetically he can set aside $625 a month, using a compound interest strategy, lets say the fund averages 7-10% growth. We will go with 8%. Look at the illustration of how much money one could potentially have in 30yrs.

Their money, they don't have to borrow it, it goes to their beneficiary at death, including the life insurance because they have a policy, its immediate growth without a gimmick to get immediate growth & its reasonable for the budget.
Buy Term Invest the Difference

This is how you supplement retirement the right way, $2,000,000 estate. At this point he can keep the insurance policy if he wants or let it go. If we do everything right from the beginning, the insurance becomes an option, not a need. Then we discuss ways at that time of the best distribution method to receive & now protect your retirement funds.

04/11/2026

I found the bomb savings account! Let me know what y'all think.

They said the first 3 years I won't see a balance but as long as I make the deposits after 3 years I will. They did mention tho, if I contributed about $200-$300 more a month I could see immediate growth, I guess that makes sense.

They also said I can't just withdraw the funds when I need it, I have to borrow the money & pay it back with interest to the bank.

Then they said if I passed away they will keep all the funds. But if I borrowed money, my wife has to pay them back.

They did say tho, I thought was pretty cool, if I paid an extra monthly fee, maybe $100, my wife could actually get the funds when I pass.

I think its pretty solid, what yall think?

04/08/2026

This is the reason why cash value life insurance as a whole makes up 80% of the industry but only 20% term. However close to 80% of all death benefit in inforce is term & 20% in cash value but cash value is WAY more expensive, why? Listen and answer, is this actually what's best?

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03/19/2026

Heading to drop off my granddaughter/lil mama then head to a training appointment. I'm feeling pretty good thus morning, sloppy pic but this real life 🤣 I love sitting with & helping families make some of the best decisions financially for their family. Reach of if you want ti be next 915-294-9698 or DM, get that complimentary MoneyTrak gameplan.

Also I'll be, along with many other professionals, at the Headshots & Handshakes 2 annual networking event Sunday 3-6pm come check us out, it's free!

Here is the link to register

Headshots & Handshakes 2 https://www.eventbrite.com/e/headshots-handshakes-2-tickets-1984002209015?utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=listing&utm-source=wsa&aff=ebdsshwebmobile

02/28/2026

February is supposed to be the month of love. Did you know that life insurance is one of the best ways that one can show their love? Making sure the one you love is protected financially due to your premature death or critical illness is better than any dinner, candy, card or even verbalizing it. It’s love in action even after death.

Capital Choice can help you express that love, contact 9152949698 or DM for a free consultation, you will also receive a free financial MoneyTrak game plan!

02/13/2026

Stop wondering where your money goes. Start telling it where to go. 🚀

Financial stress doesn’t have to be your "normal." Whether you’re looking to crush debt, protect your family’s income, or finally start that retirement fund, having a map makes all the difference. 🗺️

I’m officially taking on new clients and offering a complimentary, custom financial analysis using our Money Trak™ system.

Here’s what we’ll do together:
• Evaluate your current financial health.
• Protect your income and remove high-interest debt.
• Plan for the future (retirement, education, and growth).
No guesswork. Just a clear, confidential, and dynamic plan built specifically for you.

Ready to build your "Trak" to freedom?
Contact 9152949698 or DM for your complimentary plan!