Jesse Hernandez dba: Hernandez Financial

10/10/2026

Friday Focus – Financial Planning

What is a Roth IRA? 🤔

A Roth IRA is a retirement savings account funded with money you’ve already paid taxes on. The benefit? Your investments can grow tax-free, and qualified withdrawals in retirement are tax-free, too.

So why might someone consider one?

✅ Tax-free retirement income: Qualified withdrawals can provide another source of income in retirement without additional federal income tax.

✅ More flexibility: Roth IRAs generally don’t require you to take money out during your lifetime.

✅ Planning for the future: Having different types of retirement accounts can give you more options when deciding where your retirement income will come from.

✅ Can you automate a contribution to a Roth IRA? Yes.

✅ Can you make changes to the amount you contribute? Also, yes.

But a Roth IRA isn't the right fit for everyone. Income limits, eligibility rules, taxes today versus taxes in retirement, and your overall financial goals all matter.

That’s where financial planning comes in. I look at how your retirement accounts fit together and help you understand the options available for your situation. 🫶

10/09/2026

🏡 Do you have an estate plan? And if you do, when was the last time you looked at it?

It’s easy to put estate planning on the “I’ll get to that later” list—or assume everything is covered once the paperwork is signed, but life happens and changes may need to be made.

Our newest article, “Six Estate Planning Assumptions Worth a Second Look,” takes a look at some common assumptions about wills, beneficiaries, probate, family decisions, and estate taxes.


👉 Read the full article here ⬇️

It's easy to set estate planning aside once you've done a version of it. You sign the paperwork. You name a beneficiary. You mentally close the file.The only thing is, the file keeps changing. Accounts get opened. Families grow. Laws shift. And in the space between signing and revisiting, a handful....

09/29/2026

Find the next layer in your Money Stack.

09/26/2026

☀️ Friday Focus - Financial Plans - They do more than you think...

Your financial plan isn't supposed to stay frozen in time.

New job. New grandbaby. Paying off the mortgage. Retirement getting closer. Life happens—and your plan should keep up.

What’s changed for you lately?
— Jesse

09/25/2026

Your to-do list called...
It says "life insurance" has been sitting at the bottom of your list since forever. ☺️

✅ Let's cross it off this month. It takes about 30 minutes and we'll keep it simple. Message Audrey or call and schedule an appointment with her today! 📲

09/22/2026

One step can support the next.

09/19/2026

👋 Meet Audrey – Client Support Manager

We are excited for you to get to know the people behind Hernandez Financial, so we’re completing our “Get to Know Our Team” series with the last of our team members, Audrey Brandsma, Client Support Manager.

Audrey joined Hernandez Financial in 2022 as an Administrative Assistant and has since been promoted to her current role as Client Support Manager. Audrey helps keep things moving behind the scenes with client services, marketing, and all the little details that keep the office running smoothly. She is a Notary Public and is also a licensed Life Insurance specialist. Audrey is constantly expanding her knowledge in Medicare and Medicare Supplement Plans. She is able to help our clients find a Medicare Supplement & Prescription Drug plan that meets their needs.

Outside the office, Audrey owns Sparkly Squirrel Co., her custom tee business and creative outlet. But most importantly, she’s a wife, a mom of two grown sons, and a dog mom to two very spoiled pups. Audrey loves spending time with her family, working on one of her many creative projects, watching her favorite sports teams – the Seahawks and the Mariners, creating funny reels / TikTok videos, binge-watching her favorite shows and shopping.

We’re glad to have Audrey on the team and appreciate her humor, personality, and the care she brings to the team and to the office.
Say hello to Audrey in the comments! 👋

09/17/2026

👋 Meet Andrew (Drew) – Financial Advisor Intern

We are excited for you to get to know the people behind Hernandez Financial, so we’re continuing our “Get to Know Our Team” series with one of our newer team members, our Intern: Drew Brandsma.

Drew joined the Hernandez Financial family at the end of last year. Drew is currently attending Washington State University, where he is studying business through the Carson College of Business. He expects to graduate next spring; and is also working toward completing his Series 65 as he prepares for his future in financial planning.

You will see Drew in the office on Thursdays and Fridays for training and mentoring. He will eventually step into the role of Jesse’s future Para-Planner and assist him with the financial planning side of the business.

When he’s not in the office or buried in school work, Drew is probably watching one of his favorite sports teams -- the Falcons or the Braves. He also enjoys researching cars and adding his own modifications, spending time with family, and binge-watching his favorite shows.

We’re excited to have Drew on the team and appreciate the humor, energy, and personality he brings to the office. We’re looking forward to watching him grow into his future role here at Hernandez Financial.

Say hello to Drew in the comments! 👋

09/15/2026

Some financial moves do more.