Texas Financial Advisory specializes in helping professionals and business owners develop sound strategies for retirement, investments, financial management, saving for children’s college education, taxes, insurance, and estate planning. We provide personalized and hands-on service with a focus on money management and other opportunities that are critical to the client’s financial well-being. We educate our clients about financial concepts and products and take the mystery out of investing, insurance, estate conservation, and preserving wealth.
Personalized, hands-on service focused on money management and opportunities critical toyour financial well-being.
We help you develop sound strategies for retirement income, financial management, education costs, and wealth preservation.
It’s critical to ensure that all of your money is working for you and that tax liabilities aren’t eroding your hard-earned savings. It is also critical to ensure that your savings is delegated to where you deem fit.
Home Health Care
Asset Protection Trusts
Power of Attorneys
Money Purchasing Plans
Exchange Traded Funds (ETF)
Texas Financial Advisory provides the value-added service of Medicare Advisory.
Medicare’s annual open enrollment period begins October 15 and ends December 7, 2021. During this time, you have the opportunity to enroll in a Medicare Advantage or Supplemental Plan while current Medicare beneficiaries have the option to adjust your coverage for the coming year.
*Are you looking to enroll in a Medicare Advantage or supplement plan during this year’s Annual Enrollment Period?
*Are you thinking of changing Medicare Advantage plans?
If so, we invite you to watch this helpful and insightful 30 minute webinar hosted by Yvette Barrera, Vice President, Certified Financial Fiduciary® & Medicare Supplement Specialist. It is time to consider your strategy for Medicare benefits and we can help.
How long might you live?
Your actual lifespan is a wildcard. But estimating your longevity as accurately as possible can help you:
Planning for YOUR Life
Unfortunately, most longevity plans are based on plugging in generic averages from the general population. How can you arrive at YOUR life plan, if you haven’t factored in your individual health variables, lifestyle preferences, and anticipated medical and long-term care spending?
Optimized Longevity Planning
To discover longevity planning that’s as unique as you are, take our Health Analysis and Longevity Optimizer (HALO) assessment today!
After completing your assessment on our secure portal, and providing your name and email address, you’ll receive immediate feedback, including your personal Longevity Healthspan. The Longevity Healthspan lists your Mean Life Expectancy and projected number of:
[email protected] | 210.530.1292
Mutual Funds and Exchange Traded Funds (ETF’s) are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.
Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative. Please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.
Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.