Ryan Bennett

Personal Finance, Retirement, Insurance
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“Ryan Bennett helps others work toward their financial goals. His process is transcendent. His passion is working with new families, people at or near retirement, and those unsure where to even begin.”
Firm:

Transamerica Financial Advisors, Inc.

Job Title:

Investment Advisor Representative

Biography:

Ryan Bennett is an Investment Advisor Representative with a visionary outlook on the future of the financial industry. His focus is on building and leading an agency that can help people from all walks of life, regardless of their life stage or income stage. From new families who are unsure where to start, to baby boomers at or near retirement, to professionals who make really good money but also spend a lot of money, Ryan’s passion is fulfilling his transcendent role as an advisor to his clients and as a mentor to his team.

He began his career with a large communications company in 2004 where he was entrusted with managing multi-million dollar projects and leading large teams to deliver results impacting Wall Street. In 2013, he joined Transamerica Financial Advisors, Inc. to assist with bringing investment and professional money management services typically reserved for the very wealthy to middle-income families.

Ryan is both a Registered Representative as well as an Investment Advisor Representative and holds FINRA Series 6, 63, and 65 securities registrations with Transamerica Financial Advisors (CA Insurance Lic. #0I47162). Furthermore, he holds a Variable Annuity Contract License through the California Department of Insurance and a non-resident Insurance License in nine other states as well. Ryan holds a Bachelor's of Science in Computer Science and Engineering from UCLA and has completed studies toward an MBA from California Lutheran University in Thousand Oaks, CA.

He resides in Camarillo, California with his wife, Hilary, and their three children, Emmalyn, Zachary, and Jaxon. He enjoys golf, baseball, and singing.

Education:

BS, Computer Science & Engineering, UCLA

Assets Under Management:

$3 million

Fee Structure:

Asset-Based

CRD Number:

6274472

Insurance License:

#0I47162

Disclaimer:

Transamerica Financial Advisors, Inc. financial professionals may only transact business in states where they are registered. Any individual communication trying to effect a transaction in securities or the rendering of personalized investment advice for compensation will not be made to persons in states where the financial professional is not registered. 

Securities and Investment Advisory Services offered through Transamerica Financial Advisors, Inc. (TFA) - Member FINRA, SIPC, and Registered Investment Advisor. TFA1877350-09/17

www.finra.org

www.sipc.org

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    Debt, Estate Planning, Investing
Should I pay off my mortgage loan or invest with the money I am receiving from an inheritance?

The quick answer is yes, pay off the mortgage and any other debts you may currently have! Be debt free! You'll still have plenty to work with and invest above and beyond the $180k (plus any other debt you might need to pay off).

However, if you're looking for a "good" reason NOT to pay off the mortgage, any financial advisor could probably give you at least one or two options that would make it appear more attractive than paying off the mortgage.

This is because you can seek investment options that provide the potential to earn a better interest rate on your money than what you'll pay on the mortgage.

However, before you decide to go down this road, be sure you're working with someone who genuinely has YOUR best interest in mind. A big part of determining that this makes sense is looking at it in the context of your overall financial situation (as well as your financial past and future anticipated financial situation). For example, the following are just a few questions that will help inform your decision to forgo paying off the mortgage and instead seek returns from an investment that outperform the mortgage:

How old are you and your spouse?

What is your annual income?

What is your annual budget?

How much of your budget is a necessity vs a luxury?

What other types of investments and/or accounts do you already have setup?

The list goes on, as a solid client interview to help assess the right decision in this situation would most likely include additional initial questions as well as more than a few follow-up questions. Probably a good hour long discussion, if not a couple of meetings before both you, your spouse, and your advisor could truly feel certain that you're making the right decision.

I'm sure there's more than a few advisors (including myself) who would be more than happy to arrange for helping you reach the right decision!

5 days ago
    Life Insurance, End of Life, Women & Money
How should I invest my late husbands life insurance policy?
60% of people found this answer helpful
November 2017