Blog
Welcome to TRS Retirement Insights — a resource created to help Texas educators, school administrators, and families throughout McAllen, Mission, Edinburg, Harlingen, Brownsville, and the Rio Grande Valley make more informed financial decisions as they prepare for retirement and other major life goals.
I’m Sergio A. Rojas, a CERTIFIED FINANCIAL PLANNER™ professional and founder of RGV Wealth Management. Since 2008, I’ve been helping clients across South Texas navigate retirement planning, Teacher Retirement System of Texas (TRS) benefits, pension options, 403(b) plans, IRAs, Social Security planning, Medicare considerations, investment management, and long-term financial strategies.
Through this blog, I’ll be sharing answers to many of the real-world retirement and financial questions I hear from South Texas educators, retirees, and families throughout the Rio Grande Valley. My goal is to provide educational, easy-to-understand insights that help people feel more confident and informed about their financial future.
Topics may include:
- TRS retirement planning for Texas educators
- TRS pension options and Partial Lump Sum decisions
- Teacher Retirement System of Texas retirement strategies
- 403(b) and IRA planning
- Social Security and Medicare planning
- Retirement income strategies
- Investment and market insights
- Financial planning tips for families and retirees throughout South Texas
Whether you’re approaching retirement, already retired, or simply trying to make smarter financial decisions, I hope these articles provide value, clarity, and helpful guidance along the way.
Why I Spent the Last Year and a Half Studying Taxes
As a CFP® professional, I realized that many financial planning decisions have tax implications. Here's the story of why I spent the last year and a half expanding my tax planning knowledge and what I learned along the way.
Read MoreMedicare, TRS Health Coverage, and the Next Right Steps
A practical checklist for Medicare, TRS coordination, Medigap vs. Medicare Advantage, Social Security timing, and simple next steps before 65.
Read MoreI Have $100,000 Sitting in the Bank. Now What?
If I had a dollar for every time someone sat across from me and said: "Sergio, I have about $100,000 sitting in the bank and I don't know what to do with it." And honestly, it's a great question. In fact, it's one of the most common...
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What One RGV Educator Considered Before Choosing Her TRS Retirement Option
After 36 years with an RGV school district, one educator carefully evaluated her TRS retirement options, including Joint & Survivor and Partial Lump Sum choices, to help align her retirement plan with her family and financial goals.
Read MoreWhich TRS Retirement Option Makes the Most Sense for You?
Sergio Rojas, CFP® explains how different TRS retirement options may fit different family and financial situations.
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