KWS Financial Group - Jose Huerta, Jr.

KWS Financial Group - Jose Huerta, Jr. Fiduciary retirement and insurance specialist that can provide a variety of services that include re I do not charge for consultations.

My goal is to provide complete information so you can make an informed decision that will impact your financial future.

Hello everyone, Hope you and your family are enjoying the summer break. I also would like to apologize for not being pos...
06/23/2026

Hello everyone,

Hope you and your family are enjoying the summer break. I also would like to apologize for not being posting on here as much as I had previously done so. It has been quite busy for me and I am already getting ready for several upcoming events in July and August.

I have been wanting to provide you some information on different types of retirement accounts for some time now. I just had not gotten around to doing so. Many of our members may already have some knowledge about the retirement accounts listed in the photo below and for some of our members it might get them thinking about some questions such as:

* What type of retirement account would benefit me the most?

* Are there fees associated with the different types of accounts?

* How much am I required to add into a retirement account if I decide to start one?

These are only a few questions that some of our members might have and I am sure there are many more questions that you might have in mind.

As educators, 8.25% of your monthly paycheck goes to your own personal TRS pension account. This is not your only option to start saving for your retirement. You have other options to choose from. Some educators are not completely aware that they can start another type of retirement account which will supplement their TRS monthly annuity at retirement. If you have questions about any of the retirement accounts you see in the photo below, please feel free to post them in the comments section below. We can all learn from each other. If you would prefer to send me a direct message, you are also welcome to do so.

Thank you so much for being part of our wonderful group and have a great rest of your week.

💙 Happy Father's Day 💙Today, we honor and celebrate the fathers who have dedicated their lives to loving, providing for,...
06/21/2026

💙 Happy Father's Day 💙

Today, we honor and celebrate the fathers who have dedicated their lives to loving, providing for, protecting, and supporting their families.

A father's influence reaches far beyond the moments we see. Through their sacrifices, guidance, hard work, and unwavering commitment, fathers help shape the lives of their children and leave a lasting impact that can be felt for generations.

To the dads who work long hours, show up when they're needed most, offer words of wisdom, provide a shoulder to lean on, and lead by example—thank you.

Your strength, patience, encouragement, and love help build strong families and strong communities.

We also recognize and appreciate the grandfathers, stepfathers, adoptive fathers, foster fathers, mentors, coaches, and other father figures who have stepped into the role of guiding, supporting, and making a difference in the lives of others.

Today is a day to celebrate the men who have embraced the responsibility of being a father and those who have chosen to lead, teach, and love like one.

Wishing all fathers and father figures a joyful, blessed, and meaningful Father's Day.

Thank you for all that you do. 💙

In case you'll be around the Edinburg area and would like to have any documents that you'd like shred, feel free to stop...
06/09/2026

In case you'll be around the Edinburg area and would like to have any documents that you'd like shred, feel free to stop on by and while you're there go ahead and have a coffee and some sweet bread on us.

🚨 Leaving Education? Don't Make a Costly Mistake With Your TRS Account Before Reading This. 🚨🍎 Thinking About Leaving Ed...
06/04/2026

🚨 Leaving Education? Don't Make a Costly Mistake With Your TRS Account Before Reading This. 🚨

🍎 Thinking About Leaving Education? Before You Touch Your TRS Account, Read This First.

Hello everyone,

Hope you and your loved ones are doing well.

Recently, I've spoken with several educators who are considering leaving the profession for a variety of reasons. Some are pursuing opportunities in the private sector, some are relocating, and others are simply ready for a new chapter in life.

If you are considering leaving a TRS-covered position, there is one important question you should ask yourself before making any decisions:
❓ What should I do with my TRS retirement account?

Many educators don't realize that they generally have several options, and the decision you make today could have a significant impact on your future retirement benefits.

Option #1: Leave Your Funds with TRS

For many educators, this may be the simplest option.

If you leave your funds in your TRS account:

✅ Your service credit remains intact
✅ Your contributions continue to earn interest
✅ You preserve the possibility of receiving a future TRS retirement benefit if you meet eligibility requirements
✅ If you later return to a TRS-covered position, your previous service credit is generally still there waiting for you
This option provides flexibility because you can always evaluate your choices later.

Option #2: Withdraw Your TRS Contributions

Some educators choose to take a refund of their contributions after leaving employment.

Before doing so, it is important to understand:

⚠️ You will forfeit your accumulated TRS service credit.
⚠️ You will lose eligibility for future retirement benefits associated with those years of service.
⚠️ If you later return to a TRS-covered position, you may need to pay a significant amount to restore those years of service.

While a refund may be appropriate in certain situations, it is important to understand the long-term consequences before making that decision.

Option #3: Return to Education Later

Life doesn't always go according to plan.
Many educators leave education for a few years and later decide to return.

If you left your TRS funds alone:

✔️ Your previous service credit generally remains available.
If you withdrew your account:
✔️ You may have the opportunity to purchase and reinstate those years of service.

However, the cost is often based on actuarial calculations and can become expensive depending on age, salary, and years being restored.

A Real-Life Example

Imagine a teacher who worked for TRS-covered employers for 12 years and then left education.

Scenario A:

They leave their funds with TRS.

Five years later they return to education.
Result: 👉 Their 12 years of service credit are generally still there.

Scenario B:

They withdraw their TRS account.

Five years later they return.
Result: 👉 The 12 years of service credit are gone.
👉 They may need to pay thousands—or potentially tens of thousands—of dollars to restore those years.

Questions to Ask Yourself Before Making a Decision

✔️ Am I certain I will never return to education?
✔️ Do I need the money immediately?
✔️ What would my future retirement benefit be worth?
✔️ Would I be willing to pay to restore my service credit later if I change my mind?
✔️ Have I reviewed all of my options before submitting paperwork?

Final Thoughts

Every educator's situation is unique.
There is no one-size-fits-all answer.
For some individuals, withdrawing their funds may make sense.

For others, preserving their service credit could be one of the best long-term financial decisions they make.
Before making any decisions regarding your TRS account, take the time to understand all of your options and how those choices may affect your future retirement benefits.

If you have questions about TRS service credit, retirement eligibility, purchasing service credit, or understanding your retirement options, feel free to reach out.

Have a wonderful day and thank you for everything you do for Texas students.

🍎 Jose Huerta, Jr.
KWS Financial Group

Hello everyone,As we gather with family and loved ones this Memorial Day weekend, I would also like to take a moment to ...
05/25/2026

Hello everyone,

As we gather with family and loved ones this Memorial Day weekend, I would also like to take a moment to remember the brave men and women who made the ultimate sacrifice for our country and our freedoms.

Memorial Day is more than just a long weekend. It is a day of reflection, gratitude, and remembrance for those who never made it home to their families. Because of their courage and sacrifice, we are able to enjoy the freedoms and opportunities that so many of us sometimes take for granted.

To all of the military families who carry the memory of a loved one in their hearts each day, please know that their sacrifice will never be forgotten.

I would also like to thank all veterans and active service members for your continued dedication and service to our nation.

As educators, retirees, school employees, and community members, may we continue to honor the values of service, compassion, and sacrifice that help bring people together.

Wishing everyone a safe, meaningful, and peaceful Memorial Day with your loved ones. 🇺🇸❤️

🍎 Understanding the TRS Partial Lump Sum Option (PLSO)What Texas Educators Should Know Before Making This Important Deci...
05/24/2026

🍎 Understanding the TRS Partial Lump Sum Option (PLSO)

What Texas Educators Should Know Before Making This Important Decision

Hello everyone,

Hope you and your loved ones are doing well.

Today I wanted to touch on a topic that often creates a lot of questions and confusion for many Texas educators nearing retirement — the TRS Partial Lump Sum Option (PLSO).

Many TRS members hear about the possibility of receiving a lump sum at retirement, but not everyone fully understands:
✔️ How someone qualifies
✔️ How it impacts monthly retirement income
✔️ When it may make sense
✔️ And when it may NOT be the best option

🧾 What Is the Partial Lump Sum Option (PLSO)?

The PLSO allows eligible TRS members to receive:

A one-time lump sum payment at retirement IN EXCHANGE FOR a permanently reduced monthly pension payment

In simple terms: 👉 You receive some money upfront now, but your monthly annuity check becomes smaller for the rest of your life.

✅ How Does Someone Qualify?

To generally qualify for the PLSO, a TRS member must:
Be eligible for a standard retirement
Usually qualify under:
Rule of 90
Or another unreduced retirement eligibility category

The lump sum can be selected in different options such as:
12 months
24 months
36 months
(Some members may qualify for larger partial lump sum amounts depending on eligibility and retirement date.)

💡 Important Things to Understand

The lump sum:
❌ Is NOT “free money”
❌ Does NOT increase retirement income
✔️ Is essentially an advance against future pension payments

Because of this: 👉 Your monthly retirement check will be permanently reduced.

That reduction can be small for some individuals and significant for others depending on:
Age
Retirement option selected
Amount of lump sum chosen

📊 Scenario #1 — When Taking a Lump Sum MAY Make Sense

👩‍🏫 Example: Susan
Age 62
House almost paid off
Small remaining mortgage balance
No major debt
Strong retirement savings outside TRS
Susan chooses:
A 12-month partial lump sum

She uses the money to:
Pay off her home
Eliminate monthly debt
Reduce financial stress entering retirement

✔️ Why this MAY make sense:
Eliminates debt obligations
Improves monthly cash flow
Reduction in pension may be manageable
Provides peace of mind

⚠️ Scenario #2 — When Taking a Lump Sum MAY NOT Be a Good Idea

👨‍🏫 Example: David
Age 57
Little retirement savings outside TRS
Still has large medical and living expenses
Wants the largest monthly pension possible
David chooses:
A larger lump sum option
Result:
Monthly pension becomes significantly lower
Inflation and rising costs later create financial pressure

❌ Why this MAY NOT make sense:

Reduced lifetime income
Less protection against inflation
Greater risk of of not having enough money to meet daily needs
Monthly retirement income becomes tighter over time

🧠 Questions Every TRS Member Should Ask before selecting a lump sum option, consider:

✔️ Do I truly need the money upfront?
✔️ What debt would I pay off?
✔️ Will the reduced monthly pension still meet my long-term needs?
✔️ What does my healthcare situation look like?
✔️ Do I have other retirement savings?
✔️ How long do I realistically expect to rely on my pension income?

⚠️ One Size Does NOT Fit All

This is one of the most important parts of retirement planning.
For some educators: ✅ A partial lump sum can provide flexibility and peace of mind.

For others: ⚠️ Keeping the larger monthly pension may be the better long-term decision.

Every situation is unique.

If you have questions about the TRS retirement process, retirement eligibility, or understanding how different options may impact your future retirement income, feel free to reach out.

Thank you everyone and have a great upcoming week.

Happy Mother’s Day to all of the incredible mothers and mother figures in our community. 🌸💖Today, we celebrate every kin...
05/10/2026

Happy Mother’s Day to all of the incredible mothers and mother figures in our community. 🌸💖

Today, we celebrate every kind of mom — the moms who gave birth, the moms who adopted, the step-moms who stepped in with unconditional love, the foster moms who opened their hearts and homes, the single moms who carry so much on their shoulders, the grandmothers helping raise families, and the women who may not have children of their own but continue to nurture, guide, teach, and love others every single day.

As educators, many of you are more than teachers. You are caregivers, encouragers, role models, protectors, listeners, and safe places for so many students who need compassion and support. The impact you make reaches far beyond the classroom walls.
Motherhood comes in many forms, and every form deserves to be celebrated, honored, and appreciated.

To those celebrating today, we hope you feel loved and valued.

And to those for whom today may be difficult — whether because of loss, longing, sacrifice, or complicated emotions — please know that you are also in our thoughts and hearts.

Thank you for the love, strength, patience, and kindness you bring into the lives of others every day.

Wishing you all a beautiful, peaceful, and joy-filled Mother’s Day. 💐

Hello everyone, Hope all is going well. Being that Teacher Appreciation Week starts on Monday, I went ahead and Googled ...
05/02/2026

Hello everyone,

Hope all is going well. Being that Teacher Appreciation Week starts on Monday, I went ahead and Googled the freebies that will be provided to educators in and around the RGV. I added screenshots below of what I found in case you might like to take advantage of them throughout the upcoming week. If you have specific questions about these deals/discounts/freebies, you might want to call the business/restaurant to confirm.

Also, if anyone else knows of any other deals/freebies for educators, please feel free to post on here so anyone who is interested can also take advantage of these deals.

Hello everyone,I hope you’re enjoying your weekend with your loved ones.Lately, the topic of Social Security benefits ha...
04/26/2026

Hello everyone,

I hope you’re enjoying your weekend with your loved ones.

Lately, the topic of Social Security benefits has been coming up more often in my appointments, as well as in conversations with colleagues—especially when it comes to survivor benefits. It’s an important topic that doesn’t always get enough attention, but it can make a big difference in your overall retirement planning.

Some of the most common questions I’ve been hearing include:

Will I qualify for Social Security benefits?

If I do qualify, how much might I receive?

Does my age affect when I should start taking benefits?

If my spouse passes away, can I receive both benefits—or do I have to choose one?

I’ve added a couple of informational flyers below with simple examples to help break this down. Every situation is different, but having a general understanding can go a long way.

If you have any questions or would like to see how this applies to your personal situation, please feel free to comment below or send me a direct message. I’m always happy to help.

🧩 “What Happens If You Leave TRS… Then Come Back?”Hello everyone,Hope you and your loved ones are doing well.This is som...
04/21/2026

🧩 “What Happens If You Leave TRS… Then Come Back?”

Hello everyone,

Hope you and your loved ones are doing well.

This is something that does not get talked about enough, but I’ve seen it come up quite a bit recently.

Many educators leave the profession for a few years and later decide to come back. But what happens to your retirement during that time?

👉 The answer depends on one key decision:

Did you leave your TRS account alone… or did you withdraw it?

If you left it alone — great news.
You simply pick up where you left off.

But if you withdrew your funds, your years of service are erased… and if you come back, you may have the option to buy those years back.

Here’s where it gets interesting:

TRS doesn’t charge a flat fee.
They calculate the value of the additional retirement income you would receive and charge you based on that.

I recently worked through a scenario where buying back years could increase someone’s retirement income by over $1,000 per month… but the cost to do so was significant.

This is not a one-size-fits-all decision.

✔️ For some, it makes sense
✔️ For others, it may not

If you have ever left TRS or are thinking about it, this is something you should absolutely understand before making a decision.

If you have any questions or if I can be of assistance, feel free to comment below or send me a direct message.

Address

1015 Harvey Street
McAllen, TX
78501

Opening Hours

Monday 4pm - 8pm
Tuesday 4pm - 8pm
Wednesday 4pm - 8pm
Thursday 4pm - 8pm
Friday 4pm - 8pm
Saturday 10am - 2pm

Telephone

+19568219261

Website

Alerts

Be the first to know and let us send you an email when KWS Financial Group - Jose Huerta, Jr. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category