Broker Check
Jose M Borro II
Jose M Borro II
AirMar Wealth Management Financial Planner
https://www.prudential.com/advisor/jose-borro (561) 206-5366

Jose M. Borro II, CPFA®
Founder, AirMar Wealth Management

Born and raised in Naples, Florida, Jose is the son of Cuban immigrants whose sacrifices shaped his values: freedom, family, and opportunity. That legacy is the heart of everything we do at AirMar.

After more than a decade in the financial industry, Jose founded AirMar Wealth Management to offer something often missing in finance—human advice, grounded in trust, values, and lived experience. Every strategy we create is designed around one central truth: your life comes first.

When he’s not helping clients shape their futures, Jose is enjoying his own—boating along the Atlantic with his wife Lauren, adventuring with their son Judah, and soaking in the Florida lifestyle that inspires the AirMar name.

Licenses & Credentials:

  • FINRA Series 7 & 66 held with LPL Enterprise
  • Florida 2-15 Life, Health & Variable Annuity License
  • Certified Plan Fiduciary Advisor (CPFA®)
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What Will You Do With Your Bonus or Windfall?

Money Read Time: 3 min

While many of us have been conditioned to expect a regular bonus from work or some other gift of money, either from living relatives or through an estate, there is still a big thrill when circumstances drop a big pile of money into your life.

In 2024, the average work bonus was roughly 2.8 percent of the worker's annual salary, across all industries. What would you do with yours? While there's nothing wrong with having a little fun, you may have some goals that need attention, too.1

Let’s examine your choices for your windfall.

Thinking About the Future

  • Review Your Accounts — Reviewing your contributions to your personal or workplace retirement accounts is one way to prepare for the future.
  • Invest — Perhaps it might be time to consider some sort of investment. We can discuss your options.
  • Emergency Fund — If you don't have one, now's a great time to start it. If you do have one, it might be time to review.

Debt

It casts a long shadow, so it's always nice to get a bit of sunshine instead.

  • Consider Paying it Down or Off — Using your windfall to pay off any high-interest debts. The average interest rate for credit cards is somewhere around 20 percent.2

Family

If you're raising kids, you know some things are coming up, either college or something else.

  • College Plans — If saving for your child's college education is a top priority, you may want to use part of the windfall.
  • Saving and Investing — Remember that the future for your loved ones goes well beyond immediate concerns. If your priority is your family, look at the “Thinking About the Future” section again in that light.

Saving for Big Purchases

You might have a big purchase in mind. We can discuss any of them, whether they are listed here or not.

  • Down Payment on a Home — Many people's goals include home ownership. If you want to buy a home or are already well on that path, your bonus could get you on that goal.
  • Vacation — You know you have one in mind! It's the vacation to end all vacations, whether it requires a giant jet or a private yacht. Talk to me about how we can start a place to set aside money for this goal.

A windfall provides an opportunity to work toward one of your goals. I look forward to speaking with you and answering your questions about any of the options above.

1. Northwestern Mutual, February 14, 2025
2. Bankrate, August 5, 2025

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.

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