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,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.

Hello everyone,I hope you and your loved ones are doing well. As we welcome this Easter season, I wanted to take a momen...
04/05/2026

Hello everyone,

I hope you and your loved ones are doing well. As we welcome this Easter season, I wanted to take a moment to share a message of hope, renewal, and gratitude.

Easter is a beautiful reminder that new beginnings are always possible. It’s a season of fresh starts, renewed purpose, and quiet strength—something that each of you as educators and retirees understand so well.

Throughout your careers, you’ve planted seeds of knowledge, kindness, and inspiration. And just like spring, those seeds continue to grow in ways that may not always be seen—but are always felt.

Whether you are still shaping young minds or enjoying a well-earned retirement, your impact continues to bloom in the lives of others every single day.

May this Easter bring you peace in your heart, joy in your home, and a renewed sense of hope for the days ahead.

Happy Easter to you and your families. 🌿✨

🍎 Beyond the Classroom: Retirement Readiness Workshop 🍎Hello everyone,Hope you and your loved ones are doing well.If you...
03/26/2026

🍎 Beyond the Classroom: Retirement Readiness Workshop 🍎
Hello everyone,

Hope you and your loved ones are doing well.

If you’re an educator thinking about retirement in the next few years, this is a great opportunity to begin preparing with clarity and confidence.

We’re hosting three Retirement Readiness Workshops this April, created specifically for TRS members who want to better understand their options and avoid costly mistakes.

📅 Dates:
• April 7, 2026
• April 9, 2026
• April 21, 2026

⏰ Time: 6:30 PM – 8:00 PM
📍 Location: 3407 W. Alberta Rd, Edinburg, TX

🥪 Sandwiches and refreshments will be provided

During this workshop, we’ll cover:
✔️ Maximizing your TRS benefits
✔️ Healthcare transition & Medicare planning
✔️ Retirement income strategies
✔️ Basic estate planning
✔️ Life after the classroom

This event is open to all TRS members including:
Teachers, administrators, paraprofessionals, maintenance workers, child nutrition staff, bus drivers, and more.

⚠️ Seating is limited, so please be sure to register as soon as possible using the QR code on the flyer or the link below:
👉 bit.ly/TeacherTRS

📞 For additional information:
Jose Huerta, Jr. – (956) 821-9261
Mike Chuca – (956) 491-8532
Jeremiah Castaneda - (956)393-7516

🙏 Please feel free to share this with any colleagues who may benefit.

Looking forward to seeing you there!

Did You Know? You May Be Able to “Buy Back” Your TRS Service Years 👀Hello everyone,I hope you and your loved ones are do...
03/20/2026

Did You Know? You May Be Able to “Buy Back” Your TRS Service Years 👀

Hello everyone,

I hope you and your loved ones are doing well!

I wanted to take a moment to talk about something that has been coming up more and more in my recent appointments—purchasing years of service credit through TRS.

Many of the individuals I’ve met with recently are former TRS members who left the system at some point and are now wondering:

👉 “Is there a way to get credit for those years I stepped away?”

The good news is… in some cases, yes.

TRS does offer options that may allow you to purchase service credit, depending on your specific situation. This can apply to those who:

Worked out of state

Moved into systems like TMRS or ERS

Took time away from education and later returned

Every situation is unique—there’s no “one-size-fits-all” answer—but if you do qualify, purchasing service credit could potentially increase your monthly retirement annuity.

Many educators aren’t aware these options even exist, so I wanted to bring it to your attention.

📘 I’ve uploaded the official TRS Service Credit informational booklet in the Files section at the top of our teacher retirement group page.

🔗 You can also access it directly here:
https://www.trs.texas.gov/files/migrated/brochure_texas_service_credit.pdf⁠�

If you think this might apply to you—or if you’re just curious—take a few minutes to review it.

As always, if you have any questions:
💬 Drop them in the comments
📩 Or feel free to send me a direct message

I’m always here to help however I can.

Thank you again, and I hope you all have an amazing weekend!

🍀 Happy St. Patrick’s Day to Our Amazing Educators—Past & Present! 🍀Hello everyone, Today we celebrate not only the spir...
03/17/2026

🍀 Happy St. Patrick’s Day to Our Amazing Educators—Past & Present! 🍀

Hello everyone,

Today we celebrate not only the spirit of St. Patrick’s Day, but also the incredible impact of both our active and retired educators. 💚

To those still in the classroom—thank you for continuing to inspire, guide, and shape the future each and every day.

And to our retired educators—your legacy lives on through the countless lives you’ve touched. The lessons you shared and the care you gave continue to make a difference far beyond the classroom.

You are all part of something truly special.

May today bring you joy, a little extra luck, and a reminder of just how appreciated you are.

Wishing you and your loved ones a safe, happy, and blessed St. Patrick’s Day! 🍀

Sincerely,

Jose Huerta Jr.
KWS Financial Group

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

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