Sal Cruz: Financial Representative at Mutual of Omaha

02/19/2026

Financial advice hits differently depending on where you are. At 51, you’re not looking back, you’re living it. You still have levers to pull. And the decisions you make now shape the flexibility you’ll have later.

🔗 Episode 59 of Make it Personal is out now - https://mutualofomaha.co/40iMMTz

02/18/2026

What does Critical Illness Insurance from Mutual of Omaha cover? From Alzheimer’s disease to melanoma, kidney failure to organ transplants, our Critical Illness Insurance can help with many conditions.

Disclosure: https://mutualofomaha.co/4tFP8cy

02/17/2026

Looking to meet your family’s needs for financial protection while also building cash value? Look no further. An Indexed Universal Life Express life insurance policy from United of Omaha is an affordable and versatile option for those that have many needs to address.

Let’s take a look at what an IUL Express policy can offer you. Contact me for more information.



https://mutualofomaha.co/4ctYUZe

02/16/2026

Want to pay off your credit card balances sooner? These practical tips can make a real difference.

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Get proven tips to pay off credit card debt faster: make larger payments, trim expenses, use balance transfers and use consolidation plans for lasting relief.

02/11/2026

If steady, predictable income sounds appealing, you already get the idea behind annuities. In Episode 57 of Make it Personal, Mark discusses where they may (or may not) make sense in retirement.

🔗 https://mutualofomaha.co/4cm4cG2

01/30/2026

Roth 401(k) match myth: busted. For years, this question had a firm “no.” But recently, that changed. If you’re contributing to a Roth 401(k), it’s easy to assume your employer match is Roth too. In reality, that option didn’t exist until very recently.

🎧 Tune into Episode 56 of Make it Personal. Mark Zagurski covers what SECURE 2.0 changed, how Roth employer matching actually works, and what to do if your strategy doesn’t offer it yet.

🔗 https://mutualofomaha.co/460aVll

01/23/2026

This week on Make it Personal, Rick Funke reflects on his first year of retirement—what worked, what surprised him, and what he wishes he’d known before making the leap. Perfect listen for anyone planning their next chapter.

👉 Listen to Episode 55 to hear more retirement tips. On all major podcast platforms.

🔗 https://mutualofomaha.co/3ZvtzO0

01/20/2026

Have you planned for the unexpected? End-of-life expenses can take a toll on your legacy if left unaddressed. With the right planning and life insurance strategy, you can help protect your loved ones and ensure your assets are passed on as intended.

Contact me today to start your estate planning journey.

Learn More: https://mutualofomaha.co/4q8OB15

01/19/2026

This Martin Luther King Jr. Day, let’s honor and celebrate Dr. King’s legacy by reflecting on his message of love, equality and justice. Let’s commit to creating a more just world, one day at a time.

01/16/2026

Gen X has been the glue for decades, raising kids, showing up at work, checking in on parents, and somehow still trying to stash something away for retirement. Caring for everyone else is second nature, but planning for you matters too.

Episode 54 of Make it Personal unpacks how to help prepare for your future without feeling selfish.

🔗 https://mutualofomaha.co/3LLRENo

01/13/2026

The Hourglass Theory: A Smarter Way to Think About Wealth Transfer

Imagine your wealth flowing through an hourglass — assets accumulate over time, but how they pass through to the next generation depends on strategy. The Hourglass Theory helps visualize how to preserve, protect, and pass on your legacy efficiently.

Find out how to:
• Minimize taxes
• Maximize impact
• Maintain control

Want to learn how the Hourglass Theory can work for you? Let’s talk — contact me today!

Learn more: https://mutualofomaha.co/478TO0i

01/08/2026

Wealth doesn’t just happen — it’s planned. From setting clear financial priorities to structuring a budget that works with your goals, this article breaks it down step by step. Perfect for anyone ready to take control of their financial future.

🔗 Check it out:

Take control of your financial future. Find resources and professional advice to help you manage debt, understand investments and leave a lasting legacy.