in the media

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Britewater Financial Group is continuously featured in the media for our knowledge and years of experience in the financial industry.

Bankrate: "Applying for a personal loan is less complicated than applying for a mortgage or home equity loan; you just need to show proof of income and employment," Cruz says.
Authority Magazine: "Stay learning. You need to learn as much as possible to become an expert in your industry and provide the highest level of service to your clients."
CreditCards.com: "The higher your credit score, the more favorable credit cards you'll receive," Cruz says.
Plansponsor: "A more hands-on approach would help the saver make adjustments and help the employee see that saving is not that difficult."
U.S. News & World Report: "If you are younger than 59 1/2, you will also pay a penalty of 10% on top of the ordinary tax on the money you cashed out," says Juan Carlos Cruz.
Forbes: If you're concerned about the safety of the investment options offered by a non-ERISA plan, you can reduce your risk by choosing a low-fee index fund within your plan, says Juan Carlos Cruz
U.S. News & World Report: "These homes need a lot of love, but done right, they will be a great way to secure a wonderful home and have equity to work with," Cruz says.
CNN Underscored: Cruz prefers the 30-year mortgage because it gives you the ability to speed up your payments on your own schedule.
U.S. News & World Report: "Review your gym membership terms to ensure you are not paying to have your membership suspended."
Financial Advisor IQ: Cruz says that one common problem is that clients have all their retirement savings in a 401(k). If that's the case, it's valuable to diversify the taxable income.
Financial Advisor IQ: "Clients should have enough liquidity for everyday living expenses outside of the annuity."
Bankrate: "This is why it's so important to choose a power of attorney wisely..."
Cheapism: "Seek out legal services or an attorney who has unemployment compensation expertise in your state."
GOBankingRates: "There are tools that could simulate and help mitigate risk, and these advisors have access to these tools to help you."
Bankrate: "The economy is fragile, and while the economy is in this state, the Fed will continue to keep interest rates very low."
Bankrate: "Additional income always helps with qualification, this is an easy way to reduce your DTI ratio - but be sure your co-borrower has little to no debt and a high credit score."
U.S. News & World Report: "Cruz asks new clients about their retirement picture - when they hope to retire and what that retirement will ideally look like."
Bankrate: "If you're not sure which mortgage is right for you, talking to a loan officer can help you narrow down your options."
GOBankingRates: "Healthcare costs usually climb with inflation, so a good indicator of what may happen is to follow the inflation index."
U.S. News & World Report: "No matter how old you are, you need to have a debt payoff plan."
Fox Business: "If you get in trouble with a personal loan, contact your lender and see if they can work out a forbearance or restructure the agreement."
Newsday: "You can afford to borrow more with less qualifying income. To a young adult, this could be an amazing opportunity because they can borrow so cheaply."
NextAdvisor: "instead of you taking a large loan and making payments back to the bank, the bank actually makes payments to you."
GOBankingRates: "The HYCD works just like a regular CD, but may require a higher balance than other CDs and to hold for a longer period of time."
U.S. News & World Report: "[Retirees] have to face the realization of having to reduce their lifestyle or to look for other sources to help fill in retirement income gaps."
PLANADVISER Magazine: "This is how you can bridge the income needed today from Social Security and be able to grow your full Social Security income by a significant amount."
Cheapism: "If your company offers a match, it's very smart to start contributing to your 401(k). This will provide an immediate 100% return on your money via the employer's match."
Forbes: "We know now more than ever our health is at risk and that we may experience unexpected medical expenses."
The Wall Street Journal: "Just do your due diligence; you may be surprised on some of the flexibility these schools may allow, especially during these pandemic times."
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