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KWS Financial Group - Jose Huerta, Jr.

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KWS Financial Group - Jose Huerta, Jr.

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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.

11/11/2026

🇺🇸 Honoring Our Veterans — With Gratitude and Respect 🇺🇸

Today, our community pauses to honor the men and women who have served our nation.

Behind every veteran is a story of courage, commitment, and sacrifice—time away from home, moments with family that could not be replaced, and responsibilities many of us will never fully understand.

To the veterans among our teachers, school staff, retirees, and families: we see you, we appreciate you, and we thank you. For those who continued serving through education, your example has reached far beyond the uniform, helping generations learn the meaning of responsibility, leadership, and service to others.

We also recognize the military families whose love and strength have supported them along the way.

May our gratitude extend beyond this day through kindness, listening, and care for those who have given so much.

To every veteran in our community: your service matters, your story matters, and you will always have our respect.

With heartfelt appreciation, Jose Huerta, Jr. KWS Financial Group

🇺🇸 If you wish, share a veteran’s name in the comments so we can honor them together.

10/15/2026

📚 2027 SOCIAL SECURITY UPDATE: COLA & EARNINGS LIMITS

Hello, everyone! I hope you and those closest to you are doing well.

For our educators and school district employees receiving Social Security—or planning to apply—here are two updates to help with your retirement planning.

💵 2027 Cost-of-Living Adjustment: 3.6%

Social Security has announced a 3.6% COLA, reflected in payments beginning in January 2027. This adjustment helps benefits keep pace with inflation.

For example, a $2,000 monthly benefit before deductions would increase by approximately $72, bringing it to $2,072. Your actual deposit will depend on Medicare premiums, tax withholding, and other deductions. This is a Social Security adjustment; it does not automatically increase your TRS pension.

💼 Working While Receiving Social Security

If you receive Social Security retirement benefits before your full retirement age, earnings from work may affect your payments. For 2027:

✅ Under full retirement age throughout the year: The annual earnings limit increases from $24,480 to $25,560—an additional $1,080. Social Security withholds $1 in benefits for every $2 earned above the limit.

✅ Reaching full retirement age during 2027: The limit increases from $65,160 to $67,920. Social Security withholds $1 for every $3 above the limit, counting only earnings before the month you reach full retirement age.

✅ Beginning the month you reach full retirement age: There is no earnings limit. Working no longer reduces your Social Security benefits.

🍎 What does this mean for educators?

Your TRS pension does not count toward Social Security’s earnings limit. Wages from substitute teaching, returning to a school district, or another job generally do count—even if the job does not pay into Social Security. Net earnings from self-employment also count.

For example, someone under full retirement age throughout 2027 who earns $30,000 from work would exceed the limit by $4,440, resulting in $2,220 in benefits withheld under the annual rule.

At full retirement age, Social Security recalculates benefits to credit months affected by earnings-related withholding. Special rules may also apply during your first year of retirement.

📌 Remember: Social Security earnings rules and TRS return-to-work rules are separate. Check both before returning to school employment.

Please reach out if you have questions. Understanding these rules can help you plan your next chapter with greater confidence!

For educational purposes only. Not affiliated with TRS, the Social Security Administration, or any government agency. Different work rules apply to disability benefits and SSI.

Official information: "ssa.gov/cola" (https://www.ssa.gov/cola/)

10/14/2026

📣 A Medicare Reminder for Our TRS Retirees

Hello, everyone! I hope you and those closest to you are doing well.

It has been a little while since I last posted, but I’m still here! Preparing for Medicare’s Annual Enrollment Period has kept me working extra hours, and Marketplace enrollment begins November 1. Please bear with me if I’m unable to post as often during this busy season.

Medicare’s Annual Enrollment Period begins tomorrow, October 15, and runs through December 7, 2026. Changes made during this window generally take effect January 1, 2027.

Medicare can feel overwhelming, especially when you’re first becoming eligible. I want to share a few reminders that may help.

🔹 For retirees currently enrolled in TRS-Care Standard

If you’re approaching age 65, make sure your Medicare enrollment is in place. You must enroll in and maintain Medicare Part B to participate in TRS-Care Medicare Advantage. Some people receive Part B automatically, while others must apply through Social Security.

TRS also needs the Medicare number shown on your Medicare card, known as your Medicare Beneficiary Identifier (MBI). Current TRS-Care Standard participants who enroll in Medicare and provide this information before turning 65 are automatically transitioned into TRS-Care Medicare Advantage and TRS-Care Medicare Rx.

Start preparing about three months before your 65th birthday, and confirm your coverage effective dates with TRS.

🔹 Thinking about choosing coverage outside TRS-Care?

Retirees who decide to cancel their TRS-Care medical and prescription coverage can:

1. Contact TRS Health to request cancellation form 700B, which must be completed, signed, notarized, and returned to TRS.

2. Submit a termination request online through MyTRS, using the Health tile. This option avoids the paper form and notarization process.

Before canceling, confirm when your replacement coverage will begin and how cancellation will affect any covered dependents. Returning to TRS-Care is generally limited to the age-65 enrollment opportunity or a qualifying special enrollment event. Medicare’s annual enrollment period does not automatically give you the right to return to TRS-Care.

For enrollment and cancellation questions, contact TRS Health at 1-888-237-6762.

🔹 Already enrolled in Medicare? Review your coverage for 2027

Whether you have TRS-Care Medicare Advantage, another Medicare Advantage plan, or Original Medicare with a Medicare supplement and prescription drug plan, take time to review your upcoming costs and benefits.

A few things to check include:

• Costs: Monthly premiums, medical and prescription deductibles, copays, and coinsurance.

• Doctors and hospitals: Whether your providers will continue accepting your coverage and participating in any required network.

• Medications: Whether your prescriptions remain on the plan’s covered drug list, called a formulary, and whether their costs or coverage requirements are changing.

• Additional benefits: Dental, vision, hearing, fitness, and any OTC or healthy-food allowances your plan offers. Benefits and eligibility requirements vary by plan and may change.

Review any Annual Notice of Change and other 2027 benefit materials you receive. Additional benefits can be helpful, but your medical care, prescription coverage, and overall costs deserve close attention.

There’s much more we could discuss, but I’ll leave you with these reminders for now.

If you have general questions, please comment below. For questions involving your personal coverage or health information, feel free to send me a direct message.

Thank you for following my business page, and have a wonderful rest of your week!

09/28/2026

Hello, everyone! I hope you and your loved ones are doing well. It’s been a little while since I last posted. I’ve been busy preparing for the upcoming Medicare and ACA Marketplace Open Enrollment periods, and I wanted to share a few important dates for 2027 coverage.

Medicare Open Enrollment
📅 October 15 – December 7, 2026
Changes made during this period take effect January 1, 2027.

ACA Marketplace Open Enrollment
📅 November 1, 2026 – January 15, 2027

• Enroll or make changes by December 15, 2026, for coverage starting January 1, 2027.
• Enroll or make changes from December 16, 2026, through January 15, 2027, for coverage starting February 1, 2027.

Plan options and costs can change from year to year, so this is a good time to review your coverage for 2027.

If you have questions or would like more information, feel free to leave a comment or send me a direct message. I’ll be happy to help.

09/17/2026

📌 TRS BENEFICIARY DESIGNATIONS: AN IMPORTANT DISTINCTION

Hello, everyone. I hope you and those closest to you are doing well.

Before discussing today’s topic, I want to provide an important disclosure. I work with KWS Financial Group, an independent agency. Neither I nor KWS Financial Group is affiliated with or endorsed by the Teacher Retirement System of Texas (TRS) or any other government agency.

The information I share in this group is for general educational purposes only and is intended to help members gain a better understanding of topics involving the Texas Teacher Retirement System. Individual circumstances may differ, and questions about a specific member’s benefits should be directed to TRS.

Yesterday, I met with two sisters whose mother, a retired TRS member, recently passed away. The documents they received raised an important question about the difference between:

• A beneficiary designated to receive TRS retiree death benefits; and
• A beneficiary named to receive continuing monthly payments under the retirement annuity option selected by the retiree.

These designations are not necessarily the same.

When a TRS member retires, the member generally selects from several payment choices:

• Standard Annuity: Provides the retiree with the maximum monthly benefit for life. Payments end upon the retiree’s death.

• Option 1 — 100% Joint Life Annuity: After the retiree’s death, the same monthly payment continues for the lifetime of the beneficiary named under that option.

• Option 2 — 50% Joint Life Annuity: After the retiree’s death, one-half of the monthly payment continues for the named beneficiary’s lifetime.

• Options 3 and 4 — Guaranteed-Period Annuities: If the retiree dies before the guaranteed period ends, the beneficiary may receive the remaining guaranteed payments.

• Option 5 — 75% Joint Life Annuity: After the retiree’s death, three-fourths of the monthly payment continues for the named beneficiary’s lifetime.

Under current TRS guidance, Options 1, 2, and 5 are unavailable when more than one primary beneficiary is designated. In addition, a retiring member may not be eligible to select Option 1 when naming a non-spouse beneficiary who is more than 10 years younger. A similar limitation may apply to Option 5 when a non-spouse beneficiary is more than 19 years younger.

If the beneficiary named under Option 1, 2, or 5 dies before the retiree, TRS states that the retiree’s future payments automatically increase to the Standard Annuity amount. TRS also explains that the retiree generally cannot simply name another beneficiary to replace the deceased beneficiary for those continuing monthly payments.

However, the retiree may still update the beneficiary designated to receive the separate retiree death benefit. According to TRS, a designated beneficiary is generally entitled to a $10,000 lump-sum survivor benefit when a service or eligible disability retiree dies. That benefit is separate from any continuing monthly payments that may be payable under Options 1 through 5.

Returning to the situation that prompted this post, one daughter appeared in the paperwork as a primary beneficiary, and the documents also referenced Option 1. Because the daughter was considerably younger than her mother, the paperwork raised questions about whether she was:

1. The beneficiary entitled to the Option 1 continuing annuity;
2. The beneficiary of the separate retiree death benefit; or
3. Listed in some other capacity.

Those distinctions cannot be determined reliably from assumptions or a brief review of selected documents. TRS must examine the deceased member’s complete record and make the official determination regarding the benefits that may be payable.

The most important takeaway is this: Being listed as a primary, alternate, or contingent beneficiary does not automatically establish that someone will receive the retiree’s continuing monthly annuity. Eligibility depends on the retirement option selected, the beneficiary designation connected to that option, any subsequent changes, and TRS rules.

If you are retired or preparing to retire, consider reviewing your beneficiary designations and making sure you understand which designation applies to your continuing annuity and which applies to your retiree death benefits. When in doubt, contact TRS directly and request clarification in writing.

You can learn more about the TRS annuity payment options here:

https://trs.texas.gov/pension-benefits/active-member-resources/plan-retirement/annuity-payment-options

Additional information about naming or updating beneficiaries is available here:

https://trs.texas.gov/pension-benefits/know-benefits/manage-account/name-beneficiary

I know this was a lengthy post, but I hope it helps clarify an area that can easily become confusing. If you have general questions, please leave them in the comments or send me a direct message. Questions concerning a particular member’s account or entitlement to benefits should be directed to TRS.

Thank you again for being part of our Facebook group.

09/11/2026

🇺🇸 SEPTEMBER 11 — WE WILL NEVER FORGET

Today, we pause to remember the nearly 3,000 innocent lives lost on September 11, 2001.

We honor the courageous firefighters, police officers, emergency personnel, military members, and ordinary citizens who responded with extraordinary bravery—many sacrificing their own lives while trying to save others.

We also remember the families who lost loved ones and the survivors and first responders who continue to carry the physical and emotional effects of that tragic day. Our thoughts and prayers remain with them.

September 11 reminds us that even during one of our nation’s darkest moments, courage overcame fear, compassion overcame division, and Americans came together to help one another.

As educators, school employees, retirees, and members of our community, may we continue teaching future generations about the lives that were lost, the heroes who answered the call, and the unity that brought our nation together.

May we honor their memory not only with our words, but also through kindness, service, gratitude, and care for one another.

We remember. We honor. We will never forget.

— Rio Grande Valley Teacher Retirement Assistance 🇺🇸

09/09/2026

Hello, everyone!

I hope you and those closest to you are doing well.

For those who may not know me, my name is Joe Huerta, and I am an agent with KWS Financial Group.

I wanted to come on briefly to remind everyone about our 1st Annual Financial Wellness Conference for Educators, taking place this Saturday, September 12, at the Edinburg Conference Center at Renaissance.

The doors will open at 8:00 a.m., and the conference will begin at 8:30 am with a Check-in. Coffee and Refreshments will be provided during this time. I have included the agenda with this post so you can see the educational topics we will be covering throughout the day.

This conference is open to everyone who works within a school district, regardless of the position you hold. Whether you are a teacher, administrator, counselor, paraprofessional, secretary, librarian, nurse, custodian, maintenance employee, bus driver, child nutrition employee, coach, or another valued member of the school community, you are welcome to attend.

The primary purpose of this conference is education. We want everyone who attends to leave with helpful information and resources that can assist them in making informed decisions about their finances, benefits, and retirement future.

We will also have several vendors located in the hallway directly outside the conference room. We encourage you to visit with them before the conference begins, during the scheduled breaks, and after the event.

Our participating vendors include:

Grand Canyon University
Rally Credit Union
Analea’s Style It
Stephanie’s Beads
Nilda’s Salon & Home Décor
KWS Financial Group

We will also have door prizes and giveaways throughout the conference, so we hope you will join us for a day of learning, fellowship, and fun.

Our hope is that this first conference will be successful and that, with the community’s support, we can continue growing it into something even larger in the years ahead. This event is also one of the ways we want to give back to the education community that has given us so much.

We are currently exploring what would be required to offer continuing education or professional development credit for future programs. Because the approval process takes time, credit will not be available for this Saturday’s conference. However, we hope to pursue that opportunity for future events.

If we are approved to provide professional development credit, we will contact school districts throughout the Rio Grande Valley to explore opportunities to bring educational presentations directly to their employees.

I will also share updates in the Facebook group I manage, Rio Grande Valley Teacher Retirement Assistance. If you are not already a member and would like to join, please send me a direct message, and I will be happy to send you an invitation.

Several administrators have already contacted my colleague, Jeremiah Castaneda, and me about visiting their campuses to provide information similar to what we will be presenting at the conference. If your campus or district would like us to participate in a professional development day or another employee event during the school year, we would be more than happy to discuss that opportunity with you.

Before I close, I would like to ask for your help. If it is not too much trouble, please share this post or pass the conference information along to your colleagues, friends, and family members who work within our school districts.

If you would like a copy of the conference flyer, please send me a direct message, and I will gladly send it to you. The QR code is on the photo of the flyer and I have also added the link below to our website where you will find more information and can also register for the conference.

https://sites.google.com/view/financialwellnessconference/home

We are looking forward to welcoming as many members of our education community as possible this Saturday. Thank you for your time, thank you for helping us spread the word, and we hope to see you at the conference!

09/06/2026

Calling all educators in the RGV!! Come and join us for our 1st Annual Financial Wellness Conference for Educators being held at The Edinburg Conference Center at Renaissance on Saturday, September 12, 2026. Doors will open at 8:00 am to everyone attending the conference. The sessions will start at 8:30 am and we will finish by 1:30 pm. Lunch will be provided. Click on the story below and you will be directed to our event page on Facebook that has more information about our event. Hope to see you there!

08/31/2026

⚠️ PLEASE BE AWARE: SCAM CALLS TARGETING OLDER ADULTS ⚠️

Hello, everyone. I hope you and those closest to you are doing well.

I would like to share something that recently happened to my father-in-law in hopes that it will help protect someone else.

Over the weekend, he told my wife and me about a telephone call he had received. Thankfully, he did not answer and allowed it to go to voicemail.

The message said something similar to:

«“This message is for [his name]. We are calling from Wells Fargo Bank to inform you that your checking account ending in ###X has been compromised. For additional information, please contact our fraud department at 1-888-###-###X.”»

The message was concerning because the caller used his name and referred to a bank account. My wife searched the telephone number and then called it from her own phone. Surprisingly, the call appeared to connect to a line associated with Ambetter Health rather than Wells Fargo.

We cannot know from this experience exactly who placed the original call or why the number connected somewhere else. Scammers can disguise, “spoof,” or misuse telephone numbers, so the number displayed or provided in a voicemail may not identify the person or organization that actually called.

However, this experience is an important reminder:

🚫 Do not call a number provided in an unexpected voicemail claiming that your bank account has been compromised.

🚫 Do not confirm your name, bank information, Social Security number, Medicare number, date of birth, or health-insurance information.

🚫 Do not provide a verification code sent to your phone.

🚫 Do not allow an unexpected caller to pressure or frighten you into acting immediately.

Instead, hang up and contact the bank, insurance company, Medicare, or other organization directly using the telephone number printed on your card, statement, or official website.

Older adults—especially those enrolled in Medicare—already receive an overwhelming number of calls about insurance, benefits, medical supplies, and financial accounts. An unexpected caller may begin by discussing one subject, such as a compromised bank account, and then attempt to obtain enough personal information to commit identity theft or make an unauthorized insurance enrollment or plan change.

Please remember that Medicare and the Health Insurance Marketplace are separate programs. Someone who has Medicare generally should not be enrolled in a Marketplace plan without carefully understanding the consequences. If a person receives Marketplace premium tax credits while no longer eligible for them because of Medicare, the person may have to repay some or all of that assistance when filing a federal income-tax return.

If you believe someone has enrolled you in a Marketplace plan without your permission, contact the Health Insurance Marketplace immediately at 1-800-318-2596.

If the suspicious activity involves Medicare, call 1-800-MEDICARE (1-800-633-4227).

You may also report suspected fraud to the Federal Trade Commission at ReportFraud.ftc.gov.

Please take a few minutes to discuss these warnings with your parents, grandparents, relatives, neighbors, and friends. A simple conversation could prevent someone from losing money, having their identity stolen, or experiencing problems with their health coverage.

If you have heard about another scam targeting older adults—or if you have a safe experience you are comfortable sharing—please add it in the comments. The more information we share, the better prepared our community can be.

Thank you for being part of our Facebook group. Please stay alert, look out for one another, and have a wonderful evening.

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

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+19568219261

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