Kyle Kruger- First Command Financial Advisor

Kyle Kruger- First Command Financial Advisor

Investing? Budgeting? Planning for the Future? I can help answer any questions you might have on these topics plus many more. Give me a call or message me to find out more!

Diligent, Committed, Consistent, Dependable, Fun

Mission: Coaching those who serve in their pursuit of financial security

We celebrate you, we honor you, and we thank you. #MilitaryAppreciationMonth

Milspouse Tweet Prompts Disney to Send ‘Avengers: Endgame’ to Deployed Troops

Oh snap! Thanks to one thoughtful military spouse, the CEO of Disney sent the new Avengers: Endgame movie to troops deployed overseas so they wouldn’t have to miss out. #avengers #deployment Kat Lancaster, a Hurlburt Field military spouse, convinced the Walt Disney studio to troops in Afghanistan and Qatar.

We had your back during the government shutdown, and we have it now.

Turn to a company you can trust with vision and guidance. Consider First Command for your personal financial planning needs. The best time to get started was yesterday.

Living On Base vs. Off Base | First Command

Living on base vs. living off base: what would your vote be? PCSing? Before you decide whether to live on or off base, consider these pros and cons.

The choice period is over, and the results are in.

This is a very low number and overall can effect how you plan on retiring, depending on your length of service.

Not sure what your TSP is even doing? Let's talk today!

Cultivate discipline and feed your Monday with motivation!

Let me help you and your spouse make a long-term plan.


Here's How Much Money You Save By Cooking At Home

If you’re looking to cut costs, preparing meals at home is the way to go. This article compares the costs of eating out, delivery and meal kits with cooking. #KrugerMoneyTips A cost comparison of cooking at home versus getting delivery or using a meal kit.

Debt Consolidation: Life raft you’ve been waiting for? | First Command

A debt consolidation loan is not the right answer for everyone, but it can be an effective first step toward getting your head above the surface once again. #TuesdayTool If you feel like you’re drowning in high-interest credit card bills, debt consolidation may offer you a way out.

As long as people want to see their legacy move on to their loved ones, the need for estate protection will never go away. Let’s work together to build a plan for passing your estate to those you love most. Call me at 361-937-8772

Similar to retirement planning, the best time to start estate planning is sooner rather than later.

If paying off debt seems like an insurmountable task, tackle it methodically. Start by listing your debts by interest rate, from highest to lowest. Then tackle the highest one first and make your way down the list. #debtfree99

Don't have any debts but continue to blow your money every month? Let's talk about what your plans are for the future. You may just be surprised how paying yourself first every month can position you better for your goals!

If paying down debt is your goal, let’s talk.

What is the most cost effective way to attack the debt?

Join me on authoring your financial journey!

Almost 25% through 2019 already!!

Have you taken reins of your financial future yet?


Build that emergency fund up!
Let's chat about what is a good goal to set for you and your family.

Are you adding enough dollars each month to reach your goal?

"Don't let your budget dictate your financial plan, let your financial plan dictate your budget."

Why Globally Diversified Portfolios? | First Command

U.S. markets have outperformed most foreign markets for several years in a row. So why bother taking on the risks associated with investing abroad? @JohnWeitzerCIO makes the case for globally diversified portfolios.

Take a glimpse at what our CIO is saying in regards to diversification. When it comes to investing metaphors, few are more familiar than the tried and true “don’t put all of your eggs in one basket.” But what does that really mean?

We applaud the military families who are thinking ahead! If you need help getting started, let’s talk.

Allow me to take a dive into how I can help coach you into sharpening your finances.


You got the golden ticket!.... I mean your W-2!

Now put those dollars to use and sharpen your finances! Get a plan in place so when that refund check comes in, you know where you're allocating those dollars.

Not sure where to start? Calling me would be a good start ☺

Do you expect your financial situation will improve in the next year? 75% of career #milfams WITH a financial coach say “yes”!

Did you have that coach in sports who taught you to become a better player/leader with tips or wisdom that he learned? Same thing when it comes to finances. So for everyone who didn't go pro and is making millions, focus on what you can become with what you're working with vs praying to hit the lotto.

You'll be surprised how much you can accomplish with just a little bit of work.

For those wanting to learn more, shoot me a message or call me 319-432-4381

Source: Financial Behaviors Index, November 2018

If you can’t ever seem to get your credit cards paid off, it’s probably time to jump off the hamster wheel.

Never stop bettering you or others.

Never stop sharpening your financial wisdom.
After all, you can't pay bills and retire just based on good luck and hopes.

Market Outlook 2019 | First Command

What might 2019 bring in terms of economic growth, inflation, interest rates, and more? Our CIO weighs in.

This is a good read As is our custom, we like to look back at economic and market performance before talking about our expectations for the upcoming year.

Debit cards and pay apps provide convenient access to your money—but are they too convenient?
The way technology is advancing, convenience has never been higher for throwing your money around. Make sure you are putting your dollars in all the right places for yourself before balling out.

Do you feel confident about your retirement?
If not, give me a call or txt at 361-494-4144.

Are you a young gun like myself? Combine the aspect of money AND time to get on track for where you want to be..... After all, wouldn't you rather thank yourself later vs wishing you "would've when you could've".


Are you prone to impulse spending? Consider a mandatory waiting period for 2019.

Stop doing the same old routine that has kept you stagnate financially. Set goals and get ahead of your ambitions. Call me to see how we can better those goals and have a tangible plan in place for you to act on!


Do you aspire to do be financially independent? Be specific about what you want to achieve, whether it’s saving for a home or paying off your credit card debt.

Never done a budget? You might be missing out on knowledge that pertains to YOU!
I am always a phone call/txt/Skype away from lending a hand.


Do you know someone who needs help keeping financial New Year’s resolutions? A First Command Financial Advisor can coach them to make and stick with a plan.

Have sky high goals for your future?! Give me a call so we can see what it takes for those goals to become a reality.

Don’t know what to do with your first paycheck or your 100th paycheck? Set some financial goals you want to accomplish to help you use your money mindfully. It is never too late to start tracking for what YOU want to accomplish in life.

Don't know where to start? Give me a call or slide me a dm, we'll work together to create YOUR masterpiece.


If you take your car to a mechanic and your body to the doctor, might it be worth to take your fiances to an advisor?

Mechanic helps vehicle
Doctor helps health
Advisor helps wealth

Let me help you help your future.


First Command Will Cover Coast Guard Pay During Government Shutdown

Although the Coast Guard is now getting paid, it is still amazing the extra mile my company goes to ensure the service members will not have to worry about a missed paycheck.

ATTENTION: Members of the U.S. Coast Guard impacted by the current government shutdown. We’re here to help! Through our subsidiary, First Command Bank, we’re offering all affected clients the following services:
• Zero-interest payroll advances.
• Loan assistance.
• Penalty–free early CD withdrawals.
• Secured lines of credit.
• Special handling of credit card accounts.
To learn more or take action on any of these offers, simply contact your Financial Advisor or call these specialists at First Command Bank directly:
Loan Assistance, Lines of Credit and Credit Cards: Debbie Sanders, 888.763.7600, ext. 2788; CDs: Elisa Lott, 888.763.7600, ext. 2615 First Command will extend direct deposit pay to its Coast Guard clients during the government shutdown.

Happy New Years!

Here's to 2019!

**Financial/Life Tip** Don't drink and drive. Invest in an Uber/Lyft. Spend the $10 to save $10,000+ in fines

Merry Christmas to all! Hope everyone has a blessed day!

Official NORAD Santa Tracker

SANTA IS COMING! Check and see where he is! Follow Santa Claus as he makes his magical journey around the world!

How Rising Interest Rates Affect You | First Command

It's not a question of if, but how much, you'll be impacted as interest rates change.

If you pay bills each month, take a minute and read this article. It’s not a question of if, but how much, you’ll be impacted as rates change.

Active Duty & Veteran Tickets

Did you know the Lockheed Martin Armed Forces Bowl offers free tickets for veterans and active duty service members? Make a plan to cheer on Army West Point at the one and only Bowl for the Brave, this Saturday in Fort Worth, Texas!

Army vs UH Armed Forces Members Sign Up for up to Four Complimentary Tickets Each year the Lockheed Martin Armed Forces Bowl is able to provide thousands of free tickets for veterans and active duty service members, through the generosity of our corporate partners, to attend the bowl game with their families.

You work hard for every dollar you earn, so shouldn't your dollars be working hard for you???

Having your money work for you rather than against you (credit card, loans, high interest debt), can allow you to position your future in a way that YOU want it to.

Not sure where to start? Give me a call and I'd love to help.


Proud to be a title sponsor for the 7th Annual "Texans vs Cowboys" Charity toy drive, hosted by Miracles @ Tha Spot Foundation.

Happy Holidays to the local boys and girls of the Corpus Christi community. Featuring the US Coast Guard, who will be flying in Santa!
(Reindeer need a rest too!)

If you would like to donate toys for this event, give me a call/txt and I'd be happy to assist.

Financial Tip: Check in with your financial coach regularly to ensure your financial plan is tracking with major changes in your career, family and health. Do a financial review at least once a year.

My recommendation... Do your financial review prior to the Christmas holiday so you start the next year knowing what your objectives/goals are. Get ahead of the eight ball versus playing catch up next year to get on track.

Don't have an advisor to help you out? "Better call Kruger"

Happy Thanksgiving to all!

Get the most out of the $$$ spent on food and save those leftovers!
Somebody has to eat that Cranberry-Fish Soufflé Salad your grandma whipped up!

The #BRS opt-in deadline is 12/31 of this year. Make sure you and your spouse are working together to determine the best course of action for your family.

Help me help you make a well informed decision on what option is more in line with your family's vision. Give me a call or shoot me a txt if you'd like some assistance to discuss this important choice.

Please join us in recognizing the legacy of courage unique to the exceptional men and women in the U.S. Marine Corps. #MarineCorpsBirthday

On this day, 243 years ago in Philadelphia, Pennsylvania, the USMC was founded. To this day, the USMC continues to thrive due to the hard work and sacrifices from the men and women of the United States of America. Thank you all for your service

The TSP (thrift savings plan) is a great benefit. I find it troubling that more service members don’t take advantage of it. If you know someone who could be taking better care of their financial future, I have openings in my coaching schedule.

AND! With less than 60 days remaining to elect into the BRS or stay traditional, now is the time to get your ducks in a row!
Please reach out if you or someone you know isn't quite sure what the best choice is going forward. I would be more than happy to help sharpen your financial knowledge!

Are Bond Yields Signaling an Economic Recession?

In his latest commentary, First Command CIO John Weitzer examines the current economic climate and whether it signals an upcoming recession.

If you're reading this post, take 3.5 minutes & click this link to learn something!
#KRUGERMONEYTIP When interest rates are on the rise, what does that mean for the long-term economic outlook? First Command CIO John Weitzer explores potential predictive indicators for a recession and how they’ve played out historically.

I love being a financial coach because there is nothing more satisfying (No, not even your grandmas rhubarb pie) than seeing the joy and happiness on a family's face when they accomplish a goal from a plan that they set in place years ago!

Want to learn how you can get a plan in place for your family's financial future? Giving me a call or your nearest First Command office would be a great place to start.

When you’re looking for Halloween costumes, don’t forget to check out thrift stores. You’ll often find new or gently used costumes for half the price!
Throw some cheap clothes together and toss fake blood on it!

Lets face it, Halloween is fun but try and leave the scariness for October!

Nothing is more frightening than waking up on November 1st and checking that bank account to find a big fat pumpkin " $0 " sitting there all because you had to buy that $150 costume (which is now ruined) and that $200 bar tab.

Join me in celebrating the founding of the U.S. Navy, America’s Shield for the past 243 years. #NavyBirthday
Thank you to all of those that have served and are currently serving the best country in the world! USA!
Founded in 1775, stronger than ever in 2018!

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Coaching Those Who Serve



5702 S Staples St. Ste F-3
Corpus Christi, TX
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BillCutterz is a bill negotiation service that saves you money on your monthly bills by negotiating directly with your bill companies for large discounts.