Santori Aurora Public Library
March 1, 2018

March 6, 2018
6:00 - 7:30 pm

Taxes can easily be one of your biggest expenses in retirement.

At this event, you'll examine the tax pluses and minuses of IRAs, Roth IRAs, 401ks, pension plans and Social Security. 

Then, you'll have more knowledge to understand how to find the right balance of financial vehicles to potentially reduce taxes on your income and avoid tax penalties.


March 1st  or  March 6th

6:00 - 7:30pm

Santori Aurora Public Library
101 S. River Street

Aurora, IL 60506

Meet Your Instructor

Rey Cruz, CFP

As the owner of Cruz Investments & Wealth Management, founded in 1985, Rey Cruz is focused on helping clients work toward their retirement dreams through a well-thought-out strategy for retirement income.

As the creator of the “Cruzing Into Retirement™” System, Rey has been helping individuals and families prepare for and enjoy their ideal retirement since 1985. He believes clients need a professional who will be their financial partner — one who will provide written recommendations to reach each client’s desired retirement and financial goals and who has a team in place for communication and execution. Clients will find that at Cruz Investments & Wealth Management.

Rey is also a Certified Financial Planner (CFP®) and has a bachelor’s degree from Aurora University. He holds Series 6, 7, 24 and 63 securities licenses as well as life, health, long-term care and annuity insurance licenses in Illinois, Missouri, Wisconsin, Arizona and North Carolina.

Rey has been an active leader in the Aurora community for many years. He has served on the Fox Valley Park District Board, Greater Aurora Chamber of Commerce Board, the Aurora Hispanic Chamber of Commerce Board, the Provena Mercy Foundation Board and the Aurora University Alumni Board. He currently serves as a board member for the Aurora Housing Authority.

In his free time, Rey enjoys music, golf, computers, the Indy 500, coaching baseball and playing cards. He and his wife, Monica, have been married since 1991 and have two children, Christian and Carissa.

Copyright © 2018 Emerging Advisor, LLC



Local financial advisor is helping Illinois area residents enjoy a potentially tax-free retirement. 
Reserve your seat today.

In This No Obligation "Your Retirement and Taxes" Class, You Will Discover:

•   The Four Buckets approach to tax planning

•   Should you convert to a Roth IRA? Find out here.

•   Breaking down common financial vehicles and how they are taxed differently

•   Tax-friendly ways to withdraw your retirement income

•   How taxes can affect retirement income, Social Security and your surviving spouse

•   What estate taxes could look like for you and how they may impact your family's inheritance

•   How you can reduce or potentially avoid any unnecessary taxes

•   The latest facts and figures based on the latest tax laws


If you own a 401k, IRA, 457, or 403b account, then you must attend this tax event near you!

Santori Aurora Public Library 
6:00 - 7:30pm

101 S. River Street
Aurora, IL 60506

Thursday, March 1st    

Tuesday, March 6th

Your instructor is an investment adviser representative, insurance professional and the firm is an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

This is an educational class and no specific investments or other financial vehicles will be promoted or sold at the class. However, you will be offered an opportunity to schedule a follow up consultation with the presenter where investments and/or insurance products may be presented or offered for purchase based on your personal situation.

Investing involves risk, including the loss of principal. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. This event is not sponsored by or in any way affiliated with the venue where the event is being held.

This site is not part of the Facebook website or Facebook Inc. Additionally, this site is NOT endorsed by Facebook in any way. FACEBOOK is a trademark of FACEBOOK, Inc.

This presentation should not be used as a basis for legal and/or tax advice. In any specific case, the parties involved should seek the guidance and advice of their own legal and tax counsel. Estate planning is done in conjunction with your estate planning attorney, tax attorney, and/or CPA.

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