Many people cross their fingers, hoping that whatever they’re investing will somehow be enough to support them in retirement. But "hope" is not a plan—and guessing is not a strategy.
The good news? With just a little time and intentionality, you can learn how much you should be investing, how to diversify your portfolio to align with your goals and understand the tax advantages of various retirement accounts.
Use the tools on this page to get started, then schedule a call with me to learn how to implement the recommendations.
Joshua E. Hernandez
401(k) Plan Consultant - CFEd Certified FInancial Educator
Investment Guidance:
How should I be invested?
Access a tool that generates a graphical report of what a suitable investment mix would look like based on your individual risk tolerance and the stage of life you're in now.
You can review the report with me and I'll show you how to apply the recommendations using the funds available in your 401(k) plan and your IRA's.
Individual, Financial Coaching:
Access to a licensed professional
Ever spend hours watching YouTube videos trying to solve a problem, only to end up more confused than when you started? Would having direct access to a professional who could have provided answers in just a few minutes have been helpful?
Good news — you do now. Your company has made available a licensed financial professional who is familiar with your 401(k) plan and authorized to support employees with their financial questions.
His name is Joshua E. Hernandez.
With just an email or a phone call, he can help you get clear answers to some of your most important 401(k) related questions. He's also accessible for consultations to discuss anything else on your mind around the topic of "money" and long-term planning.
Your 401(k) provider will continue to be your main contact for website support and transactions, but Mr. Hernandez will be available as an additional resource for more advanced financial questions.
Schedule a call with Joshua here: www.401kCall.com
Ongoing Education:
Attend the next 401(k) class
Joshua E. Hernandez is a Certified Financial Educator and 401(k) Plan Consultant who hosts classes on the topic of 401k's and various types of retirement plans.
It's a two-part, online class called "The 401(k) Master Class".
Class 1 Topics:
- Understanding compound interest
- The difference between non-retirement and retirement accounts
- The tax advantages of retirement accounts
- Contribution limits, eligibility, matching & vesting
- Loans, fees and penalties
Class 2 Topics:
- Risk tolerance and diversification
- Target Date funds vs Individual Mutual Funds
- Small Cap vs Large Cap
- Strategy implementation
Request an invitation to the next class.
About Joshua E. Hernandez
Mr. Hernandez is a 20 year, licensed financial professional with Transamerica Financial Advisors, LLC, one of the most recognized financial firms in the United States.
His office is located in California, where he and his team support clients throughout the country.
He holds the designation of CFEd - Certified Financial Educator and supports families and business owners with solutions to help them pursue mid-term and long-term financial goals, often working in collaboration with his clients’ CPA and Estate Planning Attorney for complex planning situations.
In his spare time, Mr. Hernandez provides Free, No Obligation Financial Literacy Classes and mentors high school students in the areas of Self Confidence, Mindset and Public Speaking.