{"id":237517,"date":"2023-04-20T08:53:23","date_gmt":"2023-04-20T13:53:23","guid":{"rendered":"https:\/\/rgwealth.com\/sin-categorizar\/como-puedes-invertir-tu-plan-de-ahorro-exxonmobil\/"},"modified":"2025-03-11T11:48:41","modified_gmt":"2025-03-11T16:48:41","slug":"como-puedes-invertir-tu-plan-de-ahorro-exxonmobil","status":"publish","type":"post","link":"https:\/\/rgwealth.com\/es\/perspectivas\/como-puedes-invertir-tu-plan-de-ahorro-exxonmobil\/","title":{"rendered":"C\u00f3mo puedes invertir tu Plan de Ahorro ExxonMobil"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row padding_top=\u00bb20&#8243; padding_left=\u00bb16&#8243; padding_right=\u00bb16&#8243;][vc_column][vc_column_text css=\u00bb\u00bb]<\/p>\n<h1>C\u00f3mo puedes invertir tu Plan de Ahorro ExxonMobil<\/h1>\n<p>[\/vc_column_text][vc_column_text css=\u00bb\u00bb]<strong>Gu\u00eda de las distintas opciones disponibles en tu Plan de Ahorro Voya<\/strong>[\/vc_column_text][vc_column_text css=\u00bb\u00bb]La mayor\u00eda de los planes 401(k) tienen una amplia gama de opciones de inversi\u00f3n a disposici\u00f3n de los participantes. Elegir la combinaci\u00f3n correcta de opciones de inversi\u00f3n para crear una cartera diversificada que te ayude a alcanzar tus objetivos espec\u00edficos suele ser una decisi\u00f3n muy importante.<\/p>\n<p>Descubrimos que tiene un aspecto muy diferente para cada persona, dependiendo de su apetito de riesgo, horizonte temporal y otros factores como las necesidades de tesorer\u00eda. Muchas personas se sienten desinformadas o desconocedoras de c\u00f3mo puede ser su cartera m\u00e1s eficiente. Hay multitud de combinaciones de inversi\u00f3n disponibles, y esperamos proporcionarte algunas ideas sobre la mejor manera de maximizar tu jubilaci\u00f3n.  <\/p>\n<p class=\"p1\"><p>[vc_row][vc_column][vc_single_image image=\"https:\/\/rgwealth.com\/wp-content\/uploads\/2026\/05\/Making-the-Most-of-Your-ExxonMobil-Pension-Timing-Taxes-and-Strategy.webp\" img_size=\"full\" onclick=\"custom_link\" img_link_target=\"_blank\" link=\"https:\/\/rgwealth.com\/who-we-serve\/oil-gas-industry\/exxonmobil-employees\/exxonmobil-webinar\/\"][\/vc_column][\/vc_row]<\/p><\/p>\n<p>Como empleado de ExxonMobil, tienes la posibilidad de invertir en siete opciones de Inversi\u00f3n diferentes a trav\u00e9s de tu Plan de Ahorro Voya. A continuaci\u00f3n te resumimos estas opciones. Comprende c\u00f3mo funcionan y si merece la pena utilizarlas en tu cartera para alcanzar tus objetivos de jubilaci\u00f3n.[\/vc_column_text][vc_single_image image=\u00bb233211&#8243; img_size=\u00bbfull\u00bb style=\u00bbvc_box_rounded\u00bb css=\u00bb\u00bb][vc_column_text css=\u00bb\u00bb]<\/p>\n<ul>\n<li><strong>Acciones de ExxonMobil: <\/strong>Esta opci\u00f3n permite a los participantes en el plan invertir directamente una parte de su cartera en acciones de ExxonMobil. Los participantes reciben dividendos (que se reinvierten autom\u00e1ticamente) y tienen derecho a voto, igual que si poseyeran las acciones en una cuenta de inversi\u00f3n personal. Es importante tener en cuenta que una concentraci\u00f3n elevada en una sola acci\u00f3n puede conducir a una falta de diversificaci\u00f3n y a un riesgo inherentemente mayor.  <\/li>\n<li><strong>Participaciones en renta variable: <\/strong>Este Fondo Indexado pretende proporcionar una exposici\u00f3n al mercado de renta variable estadounidense de gran capitalizaci\u00f3n y unos rendimientos que se aproximen a los del S&amp;P 500. Est\u00e1 compuesto por una cartera diversificada de acciones ordinarias estadounidenses que cotizan en bolsa. <\/li>\n<li><strong>Unidades de Mercado Ampliado: <\/strong>Este Fondo Indexado intenta igualar estrechamente las caracter\u00edsticas y rendimientos del \u00cdndice Dow Jones de Mercado Total. Est\u00e1 compuesto por una gama m\u00e1s amplia de valores que los de la opci\u00f3n S&amp;P 500 y Unidades de Renta Variable. El fondo posee principalmente acciones ordinarias estadounidenses de peque\u00f1a y mediana capitalizaci\u00f3n que cotizan en bolsa.  <\/li>\n<li><strong>Unidades de Renta Variable Internacional: <\/strong>Otro fondo indexado, esta opci\u00f3n proporciona acceso al resto del mercado burs\u00e1til mundial. Este fondo invierte en unos 3.500 valores de renta variable internacional y no mantiene ninguna exposici\u00f3n a acciones estadounidenses. Estos valores internacionales se componen de 22 pa\u00edses de mercados desarrollados y se aproximan mucho a la tasa de rendimiento total del \u00cdndice MSCI World (excluido EE.UU.).  <\/li>\n<li><strong>Unidades de Bonos: <\/strong>Esta opci\u00f3n invierte en Bonos de EE.UU. negociados p\u00fablicamente y con grado de inversi\u00f3n, con un vencimiento medio superior al de las inversiones mantenidas en el Fondo de Activos Comunes. Las participaciones representan intereses en un Fondo Indexado cuyo objetivo es reflejar el \u00cdndice Bloomberg Barclays U.S. Aggregate Bond. <\/li>\n<li><strong>Participaciones del Fondo Equilibrado: <\/strong>Este Fondo Indexado est\u00e1 dise\u00f1ado para generar ingresos y crecimiento para los inversores mediante la diversificaci\u00f3n en los distintos fondos enumerados anteriormente. La asignaci\u00f3n del Fondo a cada valor es la siguiente: 35% de participaciones de renta variable, 15% de participaciones de mercados ampliados, 25% de participaciones internacionales y 25% de participaciones de renta fija. Aunque se denomina \u00abFondo equilibrado\u00bb, no est\u00e1 adaptado a las necesidades de cada empleado de ExxonMobil. Te recomendamos que te re\u00fanas con un planificador financiero para determinar la asignaci\u00f3n de inversiones m\u00e1s adecuada a tu situaci\u00f3n particular.   <\/li>\n<li><strong>Activos comunes: <\/strong>Este Fondo est\u00e1 gestionado por una filial de ExxonMobil y mantiene valores de renta fija a corto y medio plazo. Invierte en valores de renta fija de alta calidad, como Bonos de Ahorro Serie I y Serie EE emitidos por el gobierno de EEUU. Una parte de este Fondo se utiliza para invertir en pr\u00e9stamos a los part\u00edcipes. Al final de cada trimestre, las ganancias que genere esta cuenta se abonan en las Cuentas del Plan de Ahorro de los part\u00edcipes. Estas ganancias se reinvierten en Activos Comunes.    <\/li>\n<\/ul>\n<p>Como se menciona en la descripci\u00f3n de la Unidad del Fondo Equilibrado, el surtido correcto de inversiones var\u00eda en funci\u00f3n de la situaci\u00f3n espec\u00edfica de cada empleado de Exxon. Es crucial comprender plenamente estas opciones de inversi\u00f3n y los prop\u00f3sitos de cada una, para seleccionar la combinaci\u00f3n de inversiones que se ajuste a tu tolerancia al riesgo. <\/p>\n<p>Para aprovechar al m\u00e1ximo tu Plan de Ahorro ExxonMobil y asegurarte de que est\u00e1s en el buen camino para alcanzar tus objetivos de jubilaci\u00f3n, lo mejor es que te re\u00fanas con un planificador financiero cualificado y experto que conozca bien los entresijos del Plan de Ahorro ExxonMobil de Voya. Consulta nuestro art\u00edculo sobre <a href=\"https:\/\/rgwealth.com\/es\/exxonmobil-es\/jubilacion-exxonmobil-maximizar-tus-beneficios\/\">c\u00f3mo maximizar tus prestaciones de jubilaci\u00f3n de Ex<\/a> xonMobil para obtener m\u00e1s informaci\u00f3n.[\/vc_column_text][\/vc_column][\/vc_row][vc_row padding_top=\u00bb0&#8243; padding_left=\u00bb16&#8243; padding_right=\u00bb16&#8243;][vc_column][vc_row_inner css=\u00bb.vc_custom_1722952471241{margin-top: 40px !important;margin-bottom: 30px !important;padding-top: 30px !important;padding-right: 20px !important;padding-bottom: 30px !important;padding-left: 20px !important;background-color: #ffffff !important;border-radius: 15px !important;}\u00bb][vc_column_inner][vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"text-align: left; font-size: 1.5em;\"><strong>\u00bfNecesitas ayuda?<\/strong><\/p>\n<p style=\"text-align: left;\">Si quieres que uno de nuestros contables o asesores financieros certificados (CFP\u00ae) te ayude con esta estrategia y c\u00f3mo se aplica a tu caso, el equipo de Rhame &amp; Gorrell Wealth Management est\u00e1 aqu\u00ed para ayudarte.<\/p>\n<p style=\"text-align: left;\">Nuestros experimentados Gestores Patrimoniales facilitan a nuestros valiosos clientes todo nuestro conjunto de servicios, incluida la planificaci\u00f3n financiera, la gesti\u00f3n de inversiones, la optimizaci\u00f3n fiscal, la planificaci\u00f3n patrimonial y mucho m\u00e1s.<\/p>\n<p style=\"text-align: left;\">No dudes en ponerte en contacto con nosotros en <span style=\"text-decoration: underline;\"><a href=\"tel:8327891100\">(832) 789-1100<\/a><\/span>, <a href=\"mailto:service@rgwealth.com\"><span style=\"text-decoration: underline;\">service@rgwealth.com<\/span><\/a>o haz clic en el bot\u00f3n de abajo para programar tu consulta gratuita hoy mismo.<\/p>\n<p>[\/vc_column_text][vc_btn title=\u00bbProgramar una reuni\u00f3n\u00bb style=\u00bbcustom\u00bb custom_background=\u00bb#dd8c03&#8243; custom_text=\u00bb#ffffff\u00bb size=\u00bblg\u00bb align=\u00bbleft\u00bb i_align=\u00bbright\u00bb i_icon_fontawesome=\u00bbfas fa-angle-right\u00bb css=\u00bb.vc_custom_1722952485640{padding-right: 10px !important;}\u00bb add_icon=\u00bbtrue\u00bb link=\u00bburl:https%3A%2F%2Frgwealth.com%2Fget-started%2F|title:Get%20Started\u00bb][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=\u00bb.vc_custom_1722951727630{margin-top: 10px !important;margin-bottom: 10px !important;border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 5px !important;padding-bottom: 5px !important;background-color: #f4efe7 !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-radius: 15px !important;border-color: #d6cab8 !important;}\u00bb][vc_column_inner][vc_column_text css=\u00bb\u00bb]\n                \n                    <!--begin code -->\n\n                    \n                    <div class=\"pp-multiple-authors-boxes-wrapper pp-multiple-authors-wrapper pp-multiple-authors-layout-boxed multiple-authors-target-shortcode box-post-id-230920 box-instance-id-1 ppma_boxes_230920\"\n                    data-post_id=\"230920\"\n                    data-instance_id=\"1\"\n                    data-additional_class=\"pp-multiple-authors-layout-boxed.multiple-authors-target-shortcode\"\n                    data-original_class=\"pp-multiple-authors-boxes-wrapper pp-multiple-authors-wrapper box-post-id-230920 box-instance-id-1\">\n                                                <span class=\"ppma-layout-prefix\"><\/span>\n                        <div class=\"ppma-author-category-wrap\">\n                                                                                                                                    <span class=\"ppma-category-group ppma-category-group-1 category-index-0\">\n                                                                                                                        <ul class=\"pp-multiple-authors-boxes-ul author-ul-0\">\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            \n                                                                                                                    <li class=\"pp-multiple-authors-boxes-li author_index_0 author_kyle-mcclain has-avatar\">\n                                                                                                                                                                                    <div class=\"pp-author-boxes-avatar\">\n                                                                    <div class=\"avatar-image\">\n                                                                                                                                                                                                                <img alt='' src='https:\/\/rgwealth.com\/wp-content\/uploads\/2025\/07\/Kyle-McClain-Certified-Financial-Planner-The-Woodlands-Rhame-Gorrell-Wealth-Managment.webp' srcset='https:\/\/rgwealth.com\/wp-content\/uploads\/2025\/07\/Kyle-McClain-Certified-Financial-Planner-The-Woodlands-Rhame-Gorrell-Wealth-Managment.webp' class='multiple_authors_guest_author_avatar avatar' height='80' width='80'\/>                                                                                                                                                                                                            <\/div>\n                                                                                                                                    <\/div>\n                                                            \n                                                            <div class=\"pp-author-boxes-avatar-details\">\n                                                                <div class=\"pp-author-boxes-name multiple-authors-name\"><a href=\"https:\/\/rgwealth.com\/author\/kyle-mcclain\/\" rel=\"author\" title=\"Kyle McClain, CFP\u00ae, CIMA\u00ae\" class=\"author url fn\">Kyle McClain, CFP\u00ae, CIMA\u00ae<\/a><\/div>                                                                                                                                                                                                    \n                                                                                                                                            <div class=\"pp-author-boxes-description multiple-authors-description author-description-0\">\n                                                                                                                                                    <p><strong>Partner &amp; Senior Wealth Manager<\/strong><br \/>\n<br \/>\nAs a Wealth Manager, Kyle McClain serves on the Investment Committee, interfaces with clients, and coordinates ongoing financial planning initiatives. He also facilitates many marketing and business development functions for the firm.<\/p>\n<p>Prior to joining RG Wealth, Kyle spent time with Fidelity Institutional Asset Management as an Investment Consultant and with Merrill Lynch as a Wealth Advisor. He graduated Magna Cum Laude with a dual degree in Finance and Economics from the University of Alabama. He also completed his CERTIFIED FINANCIAL PLANNER\u2122 program at Texas A&amp;M University, holds the CFP\u00ae designation, and has completed his Certified Investment Management Analyst (CIMA\u00ae) designation from the Yale School of Management.<\/p>\n                                                                                                                                                <\/div>\n                                                                                                                                                                                                    \n                                                                                                                                <a class=\"ppma-author-user_url-profile-data ppma-author-field-meta ppma-author-field-type-url\" aria-label=\"Website\" href=\"https:\/\/rgwealth.com\/meet-the-team\/kyle-mcclain\/\"  target=\"_self\"><span class=\"dashicons dashicons-admin-links\"><\/span> <\/a><a class=\"ppma-author-user_email-profile-data ppma-author-field-meta ppma-author-field-type-email\" aria-label=\"Email\" href=\"mailto:Kyle.mcclain.author@rgwealth.com\"  target=\"_self\"><span class=\"dashicons dashicons-email-alt\"><\/span> <\/a>\n                                                                                                                            <\/div>\n                                                                                                                                                                                                                        <\/li>\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                                                                                    <li class=\"pp-multiple-authors-boxes-li author_index_1 author_david-hunter has-avatar\">\n                                                                                                                                                                                    <div class=\"pp-author-boxes-avatar\">\n                                                                    <div class=\"avatar-image\">\n                                                                                                                                                                                                                <img alt='David Hunter CFA' src='https:\/\/rgwealth.com\/wp-content\/uploads\/2024\/07\/David-Hunter-CFP.webp' srcset='https:\/\/rgwealth.com\/wp-content\/uploads\/2024\/07\/David-Hunter-CFP.webp' class='multiple_authors_guest_author_avatar avatar' height='80' width='80'\/>                                                                                                                                                                                                            <\/div>\n                                                                                                                                    <\/div>\n                                                            \n                                                            <div class=\"pp-author-boxes-avatar-details\">\n                                                                <div class=\"pp-author-boxes-name multiple-authors-name\"><a href=\"https:\/\/rgwealth.com\/author\/david-hunter\/\" rel=\"author\" title=\"David Hunter, CFA\u00ae\" class=\"author url fn\">David Hunter, CFA\u00ae<\/a><\/div>                                                                                                                                                                                                    \n                                                                                                                                            <div class=\"pp-author-boxes-description multiple-authors-description author-description-1\">\n                                                                                                                                                    <p><strong>Chief Investment Officer<\/strong><br \/>\n<br \/>\nAs Chief Investment Officer, David is a key contributor to Rhame &amp; Gorrell Wealth Management\u2019s investment research and due diligence process. David is a member of the Investment Committee, managing client portfolios and assisting the Wealth Managers by gathering and analyzing data, developing financial planning recommendations, and providing clients a clearer picture of their financial health by understanding their needs through retirement. He has also achieved the prestigious Chartered Financial Analyst\u00ae (CFA\u00ae) designation.<\/p>\n<p>David graduated Cum Laude with Honors from the University of Alabama with a double major undergraduate degree in finance and economics. He also received a master\u2019s degree in Applied Economics through the school\u2019s dual degree program.<\/p>\n<p>David moved from Memphis to The Woodlands in 2018. While in Memphis, David worked for Morgan Stanley Wealth Management as a financial analyst researching investment solutions and producing presentations to best service clients under his team\u2019s management. David\u2019s Morgan Stanley team made the jump to the RIA space as its own investment firm and David joined them on this new opportunity to continue his role as the company\u2019s financial analyst. In addition to his previous role, David managed the firm\u2019s investment and data management technology along with managing the company\u2019s trading operations.<\/p>\n<p>Recently David has been invited to participate on a panel at the Texas RIA Summit in Dallas, where he will be discussing \u201cTrends and Market Forecast: How are investors mitigating risk from global forces while protecting and growing portfolios for their Clients?\u201d<\/p>\n                                                                                                                                                <\/div>\n                                                                                                                                                                                                    \n                                                                                                                                <a class=\"ppma-author-user_url-profile-data ppma-author-field-meta ppma-author-field-type-url\" aria-label=\"Website\" href=\"https:\/\/rgwealth.com\/meet-the-team\/david-hunter-m-ec\/\"  target=\"_self\"><span class=\"dashicons dashicons-admin-links\"><\/span> <\/a><a class=\"ppma-author-user_email-profile-data ppma-author-field-meta ppma-author-field-type-email\" aria-label=\"Email\" href=\"mailto:david.author@rgwealth.com\"  target=\"_self\"><span class=\"dashicons dashicons-email-alt\"><\/span> <\/a>\n                                                                                                                            <\/div>\n                                                                                                                                                                                                                        <\/li>\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                                                                                    <li class=\"pp-multiple-authors-boxes-li author_index_2 author_jeffrey-g-rhame has-avatar\">\n                                                                                                                                                                                    <div class=\"pp-author-boxes-avatar\">\n                                                                    <div class=\"avatar-image\">\n                                                                                                                                                                                                                <img alt='' src='https:\/\/rgwealth.com\/wp-content\/uploads\/2025\/07\/Jeff-Rhame-Certified-Financial-Planner-The-Woodlands-Rhame-Gorrell-Wealth-Managment.webp' srcset='https:\/\/rgwealth.com\/wp-content\/uploads\/2025\/07\/Jeff-Rhame-Certified-Financial-Planner-The-Woodlands-Rhame-Gorrell-Wealth-Managment.webp' class='multiple_authors_guest_author_avatar avatar' height='80' width='80'\/>                                                                                                                                                                                                            <\/div>\n                                                                                                                                    <\/div>\n                                                            \n                                                            <div class=\"pp-author-boxes-avatar-details\">\n                                                                <div class=\"pp-author-boxes-name multiple-authors-name\"><a href=\"https:\/\/rgwealth.com\/author\/jeffrey-g-rhame\/\" rel=\"author\" title=\"Jeffrey G. Rhame, CFP\u00ae\" class=\"author url fn\">Jeffrey G. Rhame, CFP\u00ae<\/a><\/div>                                                                                                                                                                                                    \n                                                                                                                                            <div class=\"pp-author-boxes-description multiple-authors-description author-description-2\">\n                                                                                                                                                    <p><strong>President<\/strong><br \/>\n<br \/>\nJeff grew up in Nacogdoches, Texas, and received a degree in Accounting from Stephen F. Austin State University. Through post graduate work at The University of Houston, he also achieved his designation as a CERTIFIED FINANCIAL PLANNER\u2122 practitioner.<\/p>\n<p>Jeff has been honored with industry awards and featured in many publications over his three decades in wealth management, including Barrons, Forbes and The Wall Street Journal. He was also honored as one of AdvisorHub\u2019s Advisors to Watch, ranked by the Houston Business Journal as a top Wealth Manager, and ranked as a Future 50 by CityWire magazine. Under his leadership, the firm was ranked multiple times as Best of The Woodlands \u2013 Top Financial Advisors and Planners by Woodlands Online. For over 15 years, Jeff has been recognized as a Five Star Wealth Manager by Five Star Professionals.<\/p>\n<p>For almost two decades, Jeff served as an adjunct professor for the University of Houston and Lone Star College Systems, teaching classes on Investment Management, Estate, and Insurance Planning. As a member of the Financial Planning Association, he has also taught, and continues to teach, on- and off-site retirement workshops for the employees of many Fortune 500 companies, such as ExxonMobil and Chevron.<\/p>\n<p>Jeff has served on multiple different boards and organizations over the years, including President of The Woodlands Rotary Club, Vice President of the Alden Bridge Village Association, Alden Bridge Village Foundation, Tall Timbers District Vice Chairman Boy Scouts of America, Assistant Scoutmaster Troop 772, and a founding member of The Woodlands Sigma Chi Alumni Association. Jeff also served as a Scoutmaster for the Boy Scouts Sam Houston Area Council contingency for both the 2017 National Jamboree as well as the 2019 World Jamboree. Currently, Jeff serves on the Memorial Hermann Hospital\u2019s Advisory Board in The Woodlands and the Executive Advisory Board for The Nelson Rusche College of Business at Stephen F. Austin State University.<\/p>\n                                                                                                                                                <\/div>\n                                                                                                                                                                                                    \n                                                                                                                                <a class=\"ppma-author-user_url-profile-data ppma-author-field-meta ppma-author-field-type-url\" aria-label=\"Website\" href=\"https:\/\/rgwealth.com\/meet-the-team\/jeffrey-g-rhame-cfp\/\"  target=\"_self\"><span class=\"dashicons dashicons-admin-links\"><\/span> <\/a><a class=\"ppma-author-user_email-profile-data ppma-author-field-meta ppma-author-field-type-email\" aria-label=\"Email\" href=\"mailto:Jeff.author@rgwealth.com\"  target=\"_self\"><span class=\"dashicons dashicons-email-alt\"><\/span> <\/a>\n                                                                                                                            <\/div>\n                                                                                                                                                                                                                        <\/li>\n                                                                                                                                                                                                                                                                                        <\/ul>\n                                                                            <\/span>\n                                                                                                                                                                                    <\/div>\n                        <span class=\"ppma-layout-suffix\"><\/span>\n                                            <\/div>\n                    <!--end code -->\n                    \n                \n                            \n        [\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=\u00bb.vc_custom_1728421117615{padding-top: 20px !important;}\u00bb][vc_column_inner][vc_column_text css=\u00bb\u00bb]<p style=\"text-align: left;\"><strong>IMPORTANT DISCLOSURES<\/strong>:<\/p>\r\n<strong>Rhame &amp; Gorrell Wealth Management is not affiliated with or endorsed by ExxonMobil.<\/strong> Corporate benefits may change at any point in time. Be sure to consult with human resources and review Summary Plan Description(s) before implementing any strategy discussed herein.\r\n<br>\r\n<br>\r\nRhame &amp; Gorrell Wealth Management, LLC (\u201cRGWM\u201d) is an SEC registered investment adviser with its principal place of business in the State of Texas. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RGWM has attained a certain level of skill, training, or ability. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own CPA or tax professional before engaging in any transaction.\u00a0 The effectiveness of any of the strategies described will depend on your individual situation and should not be construed as personalized investment advice. Past performance may not be indicative of future results and does not guarantee future positive returns.\r\n<br>\r\n<br>\r\nFor additional information about RGWM, including fees and services, send for our Firm Disclosure Brochures as set forth on Form ADV Part 2A and Part 3 by contacting the Firm directly. You can also access our Firm Brochures at\u00a0<a href=\"https:\/\/adviserinfo.sec.gov\/\" target=\"_blank\" rel=\"noopener\">www.adviserinfo.sec.gov<\/a>. Please read the disclosure brochures carefully before you invest or send money.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>La mayor\u00eda de los planes 401(k) tienen una amplia gama de opciones de inversi\u00f3n a disposici\u00f3n de los participantes.<\/p>\n","protected":false},"author":14,"featured_media":235700,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[119,114],"tags":[],"ppma_author":[59,61,62],"class_list":["post-237517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-exxonmobil-es","category-perspectivas","author-kyle-mcclain","author-david-hunter","author-jeffrey-g-rhame"],"aioseo_notices":[],"authors":[{"term_id":59,"user_id":14,"is_guest":0,"slug":"kyle-mcclain","display_name":"Kyle McClain, CFP\u00ae, CIMA\u00ae","avatar_url":{"url":"https:\/\/rgwealth.com\/wp-content\/uploads\/2025\/07\/Kyle-McClain-Certified-Financial-Planner-The-Woodlands-Rhame-Gorrell-Wealth-Managment.webp","url2x":"https:\/\/rgwealth.com\/wp-content\/uploads\/2025\/07\/Kyle-McClain-Certified-Financial-Planner-The-Woodlands-Rhame-Gorrell-Wealth-Managment.webp"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""},{"term_id":61,"user_id":16,"is_guest":0,"slug":"david-hunter","display_name":"David Hunter, CFA\u00ae","avatar_url":{"url":"https:\/\/rgwealth.com\/wp-content\/uploads\/2024\/07\/David-Hunter-CFP.webp","url2x":"https:\/\/rgwealth.com\/wp-content\/uploads\/2024\/07\/David-Hunter-CFP.webp"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""},{"term_id":62,"user_id":10,"is_guest":0,"slug":"jeffrey-g-rhame","display_name":"Jeffrey G. 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