Cesar de la Cerda

Personal Finance, Retirement, Investing
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  • Houston, TX
  • 713-589-6966
  • www.mybenefitpro.com/
“As an independent Investment Advisor Representative with over 15 years of experience, Cesar De La Cerda take a client-centric approach to help them achieve realistic goals more effectively.”
Firm:

My Benefit Pro

Job Title:

Owner and Investment Advisor Representative

Biography:

Cesar De La Cerda is a Investment Advisor Representative employed by My Benefit Pro in Houston, Texas. My Benefit Pro is an insurance and financial services firm located in Houston, Texas. The professional staff is owner and Investment Adviser Representative, Cesar, who has over 15 years industry experience. He served in the United States Navy as a corpsman and is a graduate of the University of Houston where he focused his studies on economics and finance. He has a passion for helping others and educating individuals, families and businesses for success!

Cesar works with individuals and business owners in the Texas area to identify risk and provide solutions to meet those specific needs. Individuals and businesses alike can be at different stages in their life phase and require different necessities at different times. He helps identify risk through a discovery process that helps prioritize essentials and helps to keep clients on track for financial independence. He hasn’t forgotten about lifestyle, after all that is why individuals and business owners do what they do.

Cesar believes the importance of financial independence provides us time to enjoy with our families, friends, community and business partners. His discovery process is designed with a goals based approach to help clients stay on track to maintain a balanced approach.

Education:

BS, Economics, University of Houston
BBA, Accounting and Finance, University of Houston-Downtown

CRD Number:

4254424

Disclaimer:

Securities and investment advisory services offered through NEXT Financial Group, Inc. Member FINRA/SIPC.

My Benefit Pro is not an affiliate of NEXT Financial Group, Inc. To view NEXT Financial Group’s privacy policy and other important information, click here.

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    Estate Planning
If my husband and I have a living trust, why would he also need a separate will?
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Estate Planning can be one of the most important considerations for a family to plan for, particularly when it can synchronize assets with intended legal requests. The simple answer is that the Trust and a Will have different functions and are recognized differently. Case in point, a Trust has a trustor and a trustee versus a Will has a testor and executor. Additionally, there can be supporting documents that can make an Estate Plan more cohesive, such as Powers of Attorney and Living Directives. In my experience, a Last Will and Testament would have the Trust as the beneficiary; the Will gives everything to the Trust, for the purpose of not having to probate. In this case, how is this Will created by the husband in sync with the Trust originally created? These documents should be evaluated by an attorney that specializes in these matters and is up to date with any changes a state may have made.

I advise my clients to review assets and update changes with an attorney at least every 2 years. When dealing with a community state, an attorney that specializes should be consulted. Where this area affects assets, is where a Financial Advisor or financial institution can assist to ensure proper registration and administration. Registration and administration can affect real estate, business holdings, investment accounts, retirement accounts, and bank accounts to name a few. If the husband made changes that limits or removes powers, this could affect how assets are controlled or who is beneficiary. This should be reviewed by an attorney so there are no surprises and result in additional costs to address later.

2 days ago