Healthcare workers dedicate their lives to saving others — but who's helping them plan their future, more so their financial future? This week on Retire Rich: Tales of Financial Freedom, Marc Hernandez explores this critical question with Anissa, Director of Surgical Services. Anissa reveals her powerful story, from starting as a surgical technologist to becoming a leader in healthcare, and how she nearly fell victim to common financial missteps, like undervaluing her 401(k). But that’s not everything! She also breaks down the actionable steps healthcare professionals can take to break free from paycheck-to-paycheck living and build lasting wealth despite their demanding schedules. Want to know how you can avoid costly mistakes and unlock the financial freedom you've worked so hard for? This conversation is packed with insights healthcare workers can’t afford to miss. Key Highlights: - Anissa’s inspiring journey from surgical technologist to Director of Surgical Services and how her leadership role shaped her financial strategy - How starting her 401(k) at age 19 taught Anissa the importance of financial literacy and the common mistakes to avoid when managing retirement savings - Why financial education is critical for healthcare professionals but is often neglected, and how to bridge that gap - The role of financial advisors in helping healthcare workers maximize retirement savings and make smarter investment choices - How social media and flexible communication options can connect busy healthcare workers with financial professionals - Essential advice for new healthcare workers on how to leverage employer benefits - And much more! Connect with Marc Hernandez: LinkedIn: Marc Hernandez Marc@MAHFinancial.Biz MAH Financial (956) 994-0407 Connect with Carlos Lopez: LinkedIn: Carlos Lopez MAH Financial (956) 994-0407 About Our Guest: Anissa is the Director of Surgical Services and a seasoned healthcare professional. Starting her career as a surgical technologist, she later became a registered nurse and advanced into leadership roles. Her story underscores the importance of financial planning in the healthcare sector and the value of early investing for long-term success.

Lucy Lopez’s journey from a small town in Mexico to a successful life in the United States is a testament to determination and resilience. How did she overcome the challenges of immigration, education, and financial management? What lessons can we learn from her experiences? In this episode of Retire Rich: Tales of Financial Freedom, Carlos Lopez is joined by his inspiring mother, Lucia “Lucy” Lopez, who shares her journey from a small town in Mexico to becoming a successful educator and investor in the United States. Get ready to gain unique insights into how Lucy navigated major life transitions and financial decisions, highlighting the importance of determination, education, and careful investing. Carlos and Lucy discuss: - Lucy's story of immigrating from Mexico and starting her education in the U.S. at age 11 - Lucy’s time in the military and her transition into a successful teaching career - The financial lessons and investment strategies Lucy applied to achieve financial stability - How Carlos was inspired by his mother's journey and the pivotal role it played in shaping his approach to financial advising - And more! Connect with Marc Hernandez: LinkedIn: Marc Hernandez Marc@MAHFinancial.Biz MAH Financial (956) 994-0407 Connect with Carlos Lopez: LinkedIn: Carlos Lopez MAH Financial (956) 994-0407 About Our Guest: Carlos Lopez's mom, Lucy Lopez, originally from Mexico, has led an inspiring life marked by determination and resilience. She moved to the United States at age 11, starting first grade despite her advanced age. Overcoming numerous challenges, she graduated high school and joined the military, serving in Germany. After her service, she pursued higher education, eventually earning a master’s degree and becoming a dedicated educator for 27 years. Lucy’s financial acumen, developed through careful investments and savings, has ensured her financial stability. Her story is a testament to perseverance, hard work, and the importance of education and financial literacy.

Market volatility can be nerve-wracking, but it also presents unique opportunities for investors. How do you stay calm and make informed decisions during market fluctuations? How do you ensure your financial strategy aligns with your goals and risk tolerance? In this episode, Marc Hernandez dives into the importance of being prepared for market fluctuations while unveiling MAH Financial’s approach to providing comprehensive client support. By listening, you’ll gain insights into handling market downturns, the value of proactive communication with your financial advisor, and the strategies for maintaining a balanced portfolio even in unpredictable times. Marc discusses: - How to handle client calls and concerns during market downturns - The importance of understanding risk tolerance and timeline in financial planning - Strategies for making opportunistic investments during market dips - Proactive measures and tools for managing 401(k) and other investment accounts - And more! Connect with Marc Hernandez: LinkedIn: Marc Hernandez Marc@MAHFinancial.Biz MAH Financial (956) 994-0407 Connect with Carlos Lopez: LinkedIn: Carlos Lopez MAH Financial (956) 994-0407

Financial freedom often begins with overcoming personal challenges and making informed decisions. This week, Marc Hernandez sits down with special guest Renee Armstrong, an esteemed colleague from his team, to delve into her personal journey through financial planning and overcoming challenges.  As Renee shares her experiences, you’ll gain insights into the importance of having a financial advisor and how personalized financial planning can make a significant difference in achieving long-term goals. Marc and Renee discuss:  - Renee's financial journey at the age of 28, when she sought financial advice after losing her husband - The importance of establishing a relationship with a financial advisor to meet future financial goals - Insights into the benefits and financial planning strategies for employees in government and public service roles - How Renee transitioned from her government job to a career in financial services, exemplifying the continuous learning and adaptability in financial planning - And more! Connect with Marc Hernandez:  LinkedIn: Marc Hernandez Marc@MAHFinancial.Biz  MAH Financial (956) 994-0407 Connect with Carlos Lopez:  LinkedIn: Carlos Lopez MAH Financial (956) 994-0407 Connect with Renee Armstrong: renee@mahfinancial.biz

How to build a solid financial future even if we don’t have half a million to invest? This week, Marc Hernandez and Carlos Lopez talk about their new initiative, ‘Serving the Underserved,’ focused on helping individuals who may not have substantial assets but are eager to learn how to achieve financial independence. Whether you’re just starting your career or looking to better understand your financial options, this episode is packed with insights designed to set you on a path to economic stability. Talking points include: - The importance of early financial planning and budgeting for young professionals - Carlos and Marc’s motivation for creating a financial program aimed at helping individuals who don’t have substantial assets to invest - How to utilize financial programs like 401(k)s, IRAs, and 403(b)s to build long-term wealth - Implementing proactive strategies to manage emotions related to market fluctuations - The value of staying in touch with financial advisors for ongoing support - And more! Connect with Marc Hernandez: LinkedIn: Marc Hernandez Marc@MAHFinancial.Biz MAH Financial (956) 994-0407 Connect with Carlos Lopez: LinkedIn: Carlos Lopez Carlos@MAHFinancial.Biz MAH Financial (956) 994-0407

The Retire Rich: Tales of Financial Freedom Podcast is out now! Embark on a journey to financial freedom with Marc Hernandez and Carlos Lopez as they share their personal stories and insights in the financial advisory world. In this debut episode, Marc and Carlos unveil their paths to becoming financial advisors, the influence of family and past experiences, and their mission to educate and empower clients toward achieving their financial goals. Marc and Carlos discuss: - Marc’s Inspiration: How his father’s entrepreneurial spirit and social interactions influenced his career choice - Carlos’ Unexpected Path: His transition from academia to financial advising after a serendipitous fender bender - Client Relationships: The importance of building long-term, caring relationships with clients - Educational Approach: Carlos’ use of his teaching background to simplify financial concepts for clients - Podcast Goals: Reaching new audiences and sharing financial wisdom through their show - And more! Connect with Marc Hernandez: LinkedIn: Marc Hernandez Marc@MAHFinancial.Biz MAH Financial (956) 994-0407 Connect with Carlos Lopez: LinkedIn: Carlos Lopez Carlos@MAHFinancial.Biz MAH Financial (956) 994-0407 About Your Hosts: MARC A. HERNANDEZ BBA, RFC, LUTCF® Marc Hernandez is an investment advisory representative, a registered Financial Consultant, and a life underwriter training council fellow. Marc has been servicing the public in the financial services industry since 1986. Marc has been a credit union member for over 40 years, and he has been the investment advisor at several credit unions for over 20 years. Marc helps credit union members with all types of financial planning, including investment planning, retirement planning, and various forms of insurance. Equally important is Marc’s affiliation with Simplicity Wealth LLC. They provide access to these products as well as a technology platform that helps him be efficient in day-to-day activities. Most importantly, they also provide a support network of education and experience, which helps sharpen his skills and ultimately benefits our members. CARLOS O. LOPEZ BA, MA, IAR Carlos Lopez is an investment advisory representative presently servicing the Rio Grande Valley and beyond with various types of financial planning. These services include investment planning, 401k, TSP, 403(b) and 457 optimization, wealth management and retirement planning.