Guadalupe Investment & Insurance Services

Stephen Foley

benefit Investment Advisor Representative Chartered Federal Employee Benefit Consultantâ„ 

830-370-1185

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foley

Financial planning. Everyone’s favorite subject and thing to do. We all know deep down we need to do it but sometimes it seems a trip to the dentist’s office would be more fun. No wonder Americans spend so little time planning what might be 20-30 years of retirement. Birthday parties and vacations are so much more fun to plan. After all, all the products and sales pitches are just too confusing, seemingly complex, complicated and can be flat out boring.

IRA's, ROTH's, Rollover IRA's, Beneficiary IRA's, 401k's, 403b's, 457's, TSR's, TSA's, HSA's, 529's, Coverdell IRA's, LTC, Term Life, Variable Life, Whole Life, Universal Life, Indexed Annuities, Variable Annuities, Fixed Annuities, GLIR Riders, Living Benefit Riders, Living Trusts, and so many more financial products out there. Pretty much anyone properly licensed can sell any or all of these. There's a minefield of choices. Makes your head spin. The industry bombards us with so many products and jargon, no wonder we procrastinate. But we all know we need to start sometime and somewhere and the sooner the better. Just ask any older person if they wished they started saving sooner.

So……… Where do you turn? Who do you listen to? Who do you trust? Here’s a good start:

When choosing who to do business with, many choose to work with big name companies. Instead of the big name, some important factors are:

Are they a fiduciary? A fiduciary has a legal responsibility to operate with your best interest first and foremost and not represent just what is suitable. There is a big difference between what is a suitable recommendation and a fiduciaries responsibility of best interest!

Are they independent and do they represent multiple companies?

Are they fee-based or commissioned?

How much experience do they have in the Industry? Have they seen both bull and bear markets? Can they explain in detail exactly how a whole life policy, variable life, indexed or variable annuity really work?

Are they a full-service firm with a support system to address your own specific individual, family and business needs?

Do they take a holistic approach to your wants, needs, and goals?

Are they someone you would be friends with and be comfortable referring friends to?

Do they love what they do or just selling product for profit?

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Contact Information

Stephen Foley
Investment Advisor Representative Chartered Federal Employee Benefit Consultantâ„ 

Company: Guadalupe Investment & Advisory Services, HBW Advisory Services LLC, HBW Insurance & Financial Services, Inc.

Phone: 830-370-1185

Email: stephen.foley@hbwadvisory.com

Street Address:
104 Timber Lane
Kerrville, TX 78028

License State: TX, CA

License Number: TX#-1951404 CA#-0A76213

Please note the application of surrender charges could result in a loss of principal, the minimum guaranteed return may be 0% and investment return based on market increases may be capped. The guaranteed account value of an equity-index annuity only applies if the annuity is held until the end of the contract term and that loss of principal is possible if the annuity is surrendered before the end of the contract term. Equity index annuities are not FDIC-insured, unlike index-linked CDs. Guarantees are subject to the claims paying ability of the issuer. A fixed annuity is only as good as the financial strength of the company issuing the policy.

Investment advisory services offered through HBW Advisory Services LLC. Stephen Foley is an Investment Advisor Representative, dba, Guadalupe Investment & Advisory Services, HBW Advisory Services LLC, HBW Insurance & Financial Services, Inc.. Guadalupe Investment & Advisory Services, HBW Advisory Services LLC, HBW Insurance & Financial Services, Inc., HBW Insurance & Financial Services, Inc., dba, HBW Partners, and HBW Advisory Services LLC are separate entities which do not offer legal or tax advice. HBW entities are located at 3355 Cochran St., Suite 100, Simi Valley, CA 93063, (800) 473-3856.

All products are not represented by HBW. All HBW agents do not sell all products offered through the HBW Insurance & Financial Services, Inc., dba HBW Partners network of products and/or providers. Although Stephen Foley, dba Guadalupe Investment & Advisory Services, HBW Advisory Services LLC, HBW Insurance & Financial Services, Inc., is a part of the HBW Insurance & Financial Services, Inc. marketing system, Stephen Foley is separate and independent.

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