Investments
You (and your spouse) work hard to accumulate assets over a lifetime. The hope is that, when the time comes, your retirement accounts and other investment accounts, cash value life insurance policies, and annuities will provide a rising stream of income that meets your living expenses, stays ahead of inflation, and lasts a lifetime (for you and your spouse). Your hope may also be to leave behind a legacy for children and grandchildren, or a charity or cause that is important to you, or you may have some aspirational goals that won’t wait until retirement.
We believe that all successful investing is goal-focused and planning-driven, and the investments and strategies that we use are customized in an investment plan to meet your unique goals, risk tolerance, and time horizon. Through developing a personalized investment strategy, diversification, and avoiding short-term distractions, we aim to help create and preserve your wealth so you reach your financial goals.
We offer a variety of account types (IRAs, Individual and Joint Accounts, Trusts, 529 College Savings) and fee structures that depend upon account minimums and other important factors. For managed accounts, we partner with top-tier active money managers to provide world-class portfolio management, all while ensuring cost-effectiveness and tax-efficiency for our clients. We also offer provide access to brokerage account products, such as A-share mutual funds, and variable annuities and variable life insurance. And as fiduciaries, our promise to you is that any recommendation we make will be in your best interest.
Insurance
Insurance can be an important ingredient in any successful financial plan. Insurance helps protect you and loved ones financially from unexpected events. Insurance (cash value life insurance and annuities, for example) can also be used to provide a tax-efficient source of income in retirement for individuals and small business owners.
Our Insurance Planning service is complementary and covers Income Protection; Wealth Transfer and Business Planning; Long Term Care, Chronic Illness, and Disability Protection; and Critical illness protection.
We also offer a complementary Medicare Check-Up. Our Medicare specialist can help you navigate through your Medicare options and make the most of open enrollment season. She can also review your elections, confirm they are still the right fit for your situation, and provide ongoing support.
Educators
We’ve all had teachers who have made a positive impact on our lives. They not only fill us with knowledge; they teach important life skills like communication, problem-solving, empathy, and discipline, and it’s hard to overemphasize their importance. I enjoy helping those who have tirelessly given themselves in service to others, so that when they are no longer shaping the lives of youth and young adults in the classroom, they can enjoy a more financially secure retirement.
Many of my clients are college faculty saving for retirement through the Texas Optional Retirement Plan. I offer them fee-based financial advice and active asset management on their ORP, 403b, and 457 accounts. Some of my clients are college faculty and high school teachers saving for retirement through the TRS Pension. I assist these clients by helping them to set aside additional retirement dollars through 403b and 457 accounts, and by helping them to coordinate Social Security benefits with the Windfall Elimination Provision and Government Pension Offset.
