Cruzing Into Retirement

Rey Cruz
  • 5.0 (1)
  • Business
  • Updated Monthly

Join Rey Cruz on 95.9 The River as he gives helpful advice for a stress-free retirement. Investment advisory services are offered through Cruz Investments & Wealth Management, an Illinois State Registered Representative Investment Advisor. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC (MAS), Member FINRA/SIPC. Cruz Tax Advisory, LLC and Cruz Investments & Wealth Management are not affiliated with MAS. Cruz Tax Advisory offers tax advice on qualified plans. Consult your tax advisor on your specific situation. This show is a paid placement.

  1. Aug 18

    Cracking the Social Security Code

    Rey Cruz breaks down one of the costliest retirement mistakes Americans make: claiming Social Security at the wrong time. Rey explains how full retirement age has shifted and why claiming early can cut your benefits. He also covers income-planning strategies that can help ensure your Social Security decision works for you and your family. Original Air Date: 08/16 & 08/23 2026. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

  2. Jul 20

    The Retirement Deadlines You're Missing!

    Most retirement planning mistakes don't happen because people make bad decisions—they happen because people wait too long to make them. In this episode, Rey Cruz explains the financial deadlines that matter most, from Medicare and taxes to income and estate planning. Learn why having a plan before retirement—not after—is one of the smartest financial decisions you can make! Original Air date: 07/12 & 07/19, 2026 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

  3. May 19

    Young, Smart, and Planning for Retirement

    This month, Rey Cruz and Scott Mackay shift the conversation toward a younger generation of retirement planners. Rey explains how income planning, Roth 401(k)s, and savvy investing can create more freedom later in life. The episode breaks down why retirement planning shouldn’t wait until your 60s—and how small decisions today can make a huge difference tomorrow. Whether you’re in your 20s, 40s, or anywhere in between, this episode is all about building a smarter path toward retirement. Original Air date: 05/10 & 05/17 2026 Investing involves risk, including the potential loss ofprincipal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities ofthe issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer and no statementmade during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

  4. Apr 23

    Real Talk: Death, Money, and Your Family

    In this personal episode, Rey Cruz reflects on the loss of his mother and how moments like these remind us how unpredictable life can be. He breaks down what really happens financially when a spouse passes away. From income changes to housing and tax decisions, Rey shares real-world insights from decades of experience. It’s a powerful reminder of why having a complete retirement plan in place matters more than ever. Original Air date: 04/12 & 04/19 2026 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein, provided by the third parties, have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

  5. Mar 24

    Wartime Markets

    Rey Cruz and Scott Mackay discuss how global conflicts can create market volatility and emotional stress for investors. They emphasize the importance of staying disciplined and avoiding reactive decisions during uncertain times. Rey outlines a strong financial strategy that includes maintaining an emergency fund, protecting principal, and staying invested for long-term growth. Original Air date: 03/22 & 03/29 2026 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein, provided by the third parties, have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

  6. Feb 18

    41 Years of Lessons in Retirement Planning

    After 41 years in the financial services industry, Rey Cruz reflects on the real-life lessons that shape successful retirement planning. From probate and Roth strategies to risk management and client trust, Rey shares powerful stories—both cautionary and inspiring—about families who got it right… and those who didn’t. In this episode, you’ll hear why preserving principal matters, what can happen when risk isn’t managed properly, and why having a trusted advisor through all five critical areas of retirement can make all the difference.Original Air date: 02/15 & 02/22 2026 Investing involves risk, including the potential loss ofprincipal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of theissuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of anindividual’s situation. Our firm is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

  7. Feb 11

    Life, Loss & Retirement

    Life changes fast, and retirement planning needs to keep up. Rey Cruz shares personal stories and breaks down the key pieces of savvy retirement planning, from income and medical costs to risk and tax strategies. A thoughtful reminder that planning ahead isn’t just about money—it’s about clarity. Original Air Date: 01/18 & 01/25 2026 Investing involves risk, including the potential loss ofprincipal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities ofthe issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer and no statementmade during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

  8. Jan 27

    Mind Over Markets

    In this episode, Rey Cruz dives into “Mind Over Markets", exploring how fear, greed, and emotional decision-making can impact investors, especially during volatile times. Rey explains why no one can predict the market, how your brain’s emotional alarm system influences financial choices, and why constantly checking your portfolio can actually hurt long-term results. Original Airdate: 12/14 & 12/21 2025 Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer and no statement madeduring this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.

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About

Join Rey Cruz on 95.9 The River as he gives helpful advice for a stress-free retirement. Investment advisory services are offered through Cruz Investments & Wealth Management, an Illinois State Registered Representative Investment Advisor. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC (MAS), Member FINRA/SIPC. Cruz Tax Advisory, LLC and Cruz Investments & Wealth Management are not affiliated with MAS. Cruz Tax Advisory offers tax advice on qualified plans. Consult your tax advisor on your specific situation. This show is a paid placement.

Information

  • Creator
    Rey Cruz
  • Years Active
    2025 - 2026
  • Episodes
    18
  • Rating
    Clean
  • Copyright
    © Rey Cruz
  • Show Website
    Cruzing Into Retirement