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Walter Reyna

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Waler J Reyna Logo
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Waler J Reyna Logo
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Fiduciary Care
40 Years of
Financial Expertise

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WayMaker Advisor
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What We Do

Active Approach

Our philosophy is to take an active approach in the management of your assets. This approach helps us analyze information from a unique perspective, enabling us to identify global investment opportunities that others might miss.

Risk Adjusted Investing

As a Registered Investment Advisor, our active strategies emphasize risk-adjusted investing that keeps you on your path to achieving your dream. Our goal is simple. Maximize your returns. Minimize your risks.

Superior Service

Our superior service ensures you have direct access to your fiduciary at any time, providing personalized guidance whenever you need it. Whether by phone, text, or email, service is always available to you in a timely manner.

Our Fees

Our fees are fully transparent, based solely on the value of the assets we manage for you. As a fiduciary, our interests are aligned with yours—when you succeed, we succeed.

Your Trusted Advisor

As fiduciaries, we prioritize your interests above all else. Unlike other financial advisors, we aren’t driven by commissions or incentivized to sell specific products.

Financial Planning
Asset Manangement
One-On-One Coaching
Estate Planning
Retirement Distributions

Frequently Asked Questions

How much life insurance do I need?
We utilize a capital needs anlysis approach to determine how much money your family will need provided via life insurance.
When deciding whether to “rent” or “own” a policy, it’s about choosing between term life insurance (renting) and permanent life insurance (owning). Term life provides coverage for a specific period, typically 10 to 30 years, and is often more affordable, making it ideal if you need coverage for a set time, like while paying off a mortgage. Permanent life insurance, on the other hand, lasts your entire life and builds cash value over time, offering lifelong protection and an investment component. We’ll assess your goals and financial situation to determine which option best fits your needs.
Yes, you can avoid penalties when withdrawing from your IRA, but there are specific rules. Generally, you can withdraw from your IRA without penalties after age 59½. However, there are exceptions that allow for penalty-free withdrawals before this age, such as using the funds for a first-time home purchase, qualified education expenses, medical bills, or in the case of disability. It’s important to understand the specific conditions, and I can help guide you through these options to avoid unnecessary penalties while meeting your financial needs.
A common way to estimate how long it would take to double your money is by using the “Rule of 72.” This rule states that you can divide 72 by your annual rate of return to get an estimate of the years it will take. For example, if your investments grow at 6% per year, it would take about 12 years to double your money (72 ÷ 6 = 12). Of course, this is just an estimate, and actual results depend on factors like market performance and the specific investments you choose.
To generate $50,000 per year to supplement Social Security, we need to look at your desired withdrawal rate from your investments. A common rule of thumb in our current environment is the 4% rule, which suggests you can safely withdraw 4% of your retirement savings annually without depleting your principal over time. Based on that, to generate $50,000 a year, you would need approximately $1.25 million saved ($50,000 ÷ 0.04 = $1.25 million). However, this depends on factors like your investment strategy, risk tolerance, and market conditions, so we can tailor a more precise plan to meet your needs.

Main Office

Come By, See How We Work

5315 N McColl Rd,

McAllen, TX 78504

(956) 682-4196

Contact Form

Main Office

5315 N McColl Rd,

McAllen, TX 78504

(956) 682-4196

Come By, See How We Work

Contact Form

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