Protect Your Future With Dedicated Financial Advisors in Texas

Comprehensive financial services tailored to your needs. Explore how our advisor can help you build a stable financial future.

Our comprehensive services can help you stay on target to reach your aspirations and goals in an often-complex investment and financial marketplace. We always conduct a detailed needs assessment prior to offering any services. It’s essential that we get to know you so we can make the most appropriate recommendations for your situation.

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Investment Strategies

An investment strategy should always be highly personalized. We will factor your individual financial circumstances, risk tolerance, investment goals, desired returns, time horizon, and income requirements. This custom approach helps to ensure that the investment strategies recommended are tailored specifically to you, enhancing the likelihood of achieving your financial objectives. When handling your accounts, we operate as a fiduciary, meaning we are legally obligated to act in your best interest.

Retirement Income Planning

Retirement income planning can be complex, but it’s important for a comfortable retirement. There are three key phases to planning: accumulation, distribution and preservation or transfer. Shifting from relying on a paycheck to creating income from savings requires a mindset change. We can help clients navigate the transition by determining income needs, estimating plan longevity, assessing additional income sources like Social Security, and utilizing tax-advantaged financial vehicles like IRAs, 401(k)s and annuities.

Insurance Strategies

Life insurance is more than just protection for loved ones; it’s a versatile tool for retirement planning. It also helps provide peace of mind for beneficiaries. Moreover, it offers tax advantages, such as tax-free death benefits and exchanges, along with tax-deferred cash value growth. Working with an independent insurance professional allows access to a range of options tailored to individuals needs and goals, not to a single product or brand. Complimentary reviews of existing policies are also available as part of an overarching strategy.

Tax Mitigation Strategies

A solid financial strategy will assess financial risks like current and future tax obligations that could erode assets over time if left unchecked. We work with certified public accountants to help ensure you are leveraging tax credits and deductions to protect your hard-earned nest egg. These professional partners are invaluable for tracking tax law changes, offering strategic advice and advocating for you tax interests. We may also propose other financial vehicles to consider in your portfolio that offer tax benefits.

IRA/401(k) Rollovers

Have you changed jobs and left 401(k) accounts behind with previous employers? If so, we can help gather those languishing accounts and roll the funds in to a financial vehicle that will continue working for you toward your retirement goals. We can also explain the various IRA types, the breakdown the pros and cons, and help you determine if rolling funds into a different account type will have a tax benefits in retirement.

Health Care Planning

Health care premiums and expenses seem to be a growing spending category for Americans as the cost of health care services tends to increase over time. Keeping these costs in check can help you live within a budget. We can help clients who are eligible for Medicare understand the different coverage types (Medicare Parts A, B, C and D), make selections and adhere to deadlines. We can also source long-term care insurance coverage that can be helpful following an injury, illness or disability.

Federal Employee Benefits

If you work for the federal government, you know that the retirement benefit options can be complex. We have experience working with hundreds of retired federal government workers to decipher and decide on the options that are best suited for their situations. We understand how your FERS and CSRS pension, available supplements, Social Security and TSP savings can work together to provide retirement income. It’s always best to be well informed before making final selections.

Legacy Planning

Legacy and estate planning are not just for the wealthy. Planning encompasses the efficient transfer of assets and heirlooms to your beneficiaries and heirs according to your values and intentions. We work with estate planning attorneys to help ensure the proper legal documents are in place to support your wishes. It’s important to address legacy issues sooner, rather than later, to make sure a plan is in place so you’re your wishes are communicated and carried out no matter the circumstances.

5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster

Do you have doubts about your ability to reach your retirement goals? Are you less than confident about certain aspects of your retirement strategy? Here’s the good news…there’s always time to adjust your plan and get back on track. You can take your retirement strategy from flop to blockbuster with these simple strategies.