Cresta Advisors, the first independent, locally owned SEC Registered Investment Advisory firm in Laredo,Texas, specializes in simplifying the investment process for business owners, working professionals, high net worth families and international clientele. As a fee-only, independent advisor firm, Cresta offers cost efficient financial solutions, and as fiduciary advisors, the company is legally bound to represent the clients’ needs above all else. Cresta Advisors does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance. Not associated with or endorsed by the Social Security Administration or any other government agency. Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits. A 529 plan is a college savings plan that allows individuals to save for college on a tax-advantaged basis. Every state offers at least one 529 plan. Before buying a 529 plan, you should inquire about the particular plan and its fees and expenses. You should also consider that certain states offer tax benefits and fee savings to in-state residents. Whether a state tax deduction and/or application fee savings are available depends on your state of residence. For tax advice, consult your tax professional. Non-qualifying distribution earnings are taxable and subject to a 10% tax penalty. Indices are unmanaged and investors cannot invest directly in an index. Unless otherwise noted, performance of indices does not account for any fees, commissions or other expenses that would be incurred. Returns do not include reinvested dividends. The Consumer Price Index (CPI) is a measure of inflation compiled by the US Bureau of Labor Studies.
