(214) 886-9901
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ABOUT US
OUR STORY
I started on the radio in 1990 with one core mission: To educate my clients on ways to protect and grow their wealth in retirement.
With over 43 years of experience, I have a team formed of industry-leading retirement experts. Our experts left big-box investment firms to form a company where they can be free from forcing products and fees on their clients, and focus on researching the best annuity strategies.
I simply act as a mentor/consultant to educate my clients to find their best-fitting annuity product: whether that be wealth protection + growth, fixed income or both. My team and I pride ourselves in educating the public about common annuity misconceptions and how to avoid immoral "smoke and mirror" sales tactics used by many advisors.
We DO NOT charge fees, and consultations are always FREE. If we help find you the right annuities, we get paid directly from the chosen insurance company. After you choose the annuity to invest in, we remain your resource and point of contact going forward in dealing with your annuity's insurance company as well as regular account reviews. We are also independently licensed, which means we are contracted with most insurance companies and can shop carriers to find the best annuities for you.
We have six locations throughout the DFW metroplex where you can meet with one of our licensed experts for a free consultation. Give us a call or email us to get started!
(214) 886-9901
OUR STRATEGIES
HOW WE CAN HELP
GUARANTEED* WEALTH
PRESERVATION
We design solutions for our clients looking to preserve their retirement assets, while still earning credited growth in the stock market with zero market risk.
LIFETIME INCOME**
PLANNING
We shop for the highest rates and build income illustrations around your current portfolio so you will know exactly how much monthly income to expect in retirement without any surprises.
TAX-FREE RETIREMENT
INCOME PLANNING
No, this is not a ROTH conversion. We can share a little known strategy that investors are starting to take advantage of converting your 401k or IRAs into future tax-free income if you qualify.
401K ROLLOVERS
An extremely common strategy that we help clients with everyday. This is a popular practice because you have many more investment options including annuities within your IRA. But make sure you complete your rollover properly to avoid getting taxed!
ANNUITY EDUCATION
Our licensed annuity experts will educate you on all the different types of annuities out there, and how to find the right fit for you. We will also help you shop so you do not get ripped off or victimized by other smoke and mirror sale tactics.
ANNUITY COMPARISON
Our licensed annuity experts will compare your old annuities to see how they compare with new products, and if it makes sense for you to stay put or make a change.
BE INFORMED
DON'T GET SOLD THE WRONG ANNUITY
Make sure you fully understand the products before you invest. The most important thing is finding an advisor that you can trust will make recommendations in your best interests, and not try to sell you based on their own agenda.
Specific annuities can provide a great vehicle for asset protection with potential growth and/or guaranteed income, but there are many unethical sales tactics commonly used when making sales pitches. Here are just a few to topics to watch out for:
BONUSES
If it sounds too good to be true, it probably is. Some annuities offer "bonuses" when you invest. Many can even be as high as 10%. These bonuses do not equal real dollars being instantly added to your account value. While they can serve a purpose for certain annuity strategies, be wary of any agents that use bonuses in their sales presentation to you.
HIGH "GUARANTEED" RATES
If you are looking for fixed rates much like a CD, then Fixed Annuities may be right for you. Many Fixed Annuities currently provide annual rates of 2-4%, which beat most CDs.
When you hear about guaranteed rates closer to 7-9%, these returns are tied to future values for "income strategies," and not interest credited to your principle value like a fixed annuity or CD.
CAPS
Fixed index annuities provide principle protection with potential for growth. Your growth is tied to whatever crediting strategy you are invested within the annuity product you choose.
It is important to select the strategy that gives you the most upside potential. Strategies that have "caps" can often times limit the amount of growth you could potentially earn.
EARLY SURRENDER FEES
RIDER FEES
ACCUMULATION VALUE VS. FUTURE INCOME VALUE
Almost all annuities have a surrender fee schedule. Most fixed index annuities are around 10 years. This means that instead of paying an upfront fee or load when you invest, you will only be charged a fee if you pull your money out before the initial 10 years.
Most annuities allow you to withdraw up to 10% of your money each year for personal income or to satisfy your RMD without a free. This is called "free withdrawals." Be aware of your annuities surrender fee time-frame and percentages prior to investing.
Many fixed index annuities start off with little or no fees. Certain strategy features can be added to your policy to guarantee future income and death benefit payouts, but they aren't free. These extra features are called "riders' which are associated with fees.
These riders can provide certain guarantees that may be needed to achieve your specific strategy goals, but make sure you really need them before agreeing to pay for them.
Think of your fixed index annuity as having two buckets. The "accumulation value" bucket is your real money. This is the account value that will grow with the investment strategy and decrease whenever you withdraw money. It can never decrease due to a bad market. In most cases, this value is what you will leave to your beneficiaries when you pass.
If you chose to purchase an income rider then you will have a "second bucket" called future income value. This value is a calculation based on your accumulation value growing at a certain rate provided by your income rider. As this value grows, so will the future monthly income dollar amount that the insurance company agrees to pay you and spouse (if joint income rider) for life. in some ways similar to how social security payouts work.
OUR PROCESS
STEP 1
Schedule a FREE phone consultation with our licensed annuity experts.
STEP 2
We meet to assess your financial/ retirement needs, and schedule the next meeting.
STEP 3
Our experts search and compare the top annuities that meet your needs.
STEP 4
We meet again to present our top findings and compare them in detail.
Some of OUR LOCATIONS
DALLAS OFFICE
2911 Turtle Creek Blvd Suite 300, Dallas, TX 75219
ADDISON OFFICE
5050 Quorum Dr Suite 700, Dallas, TX 75254
PLANO OFFICE
6860 North, Dallas Pkwy Suite 200, Plano, TX 75024
RICHARDSON OFFICE
2435 N Central Expy 12th Floor, Richardson, TX 75080
SOUTHLAKE OFFICE
950 E State Hwy 114 Suite 160, Southlake, TX 76092
MEMBER OF THE INDEPENDENCE EXCELLENCE GROUP
We are a proud part of the IE Group. This is a distinguished group of Financial Advisors and Insurance Professionals who have had the privilege of working extensively with many prominent groups and individuals in the areas of Wealth Management, Retirement and Income Planning.
Individually, IE Group members represent a myriad of prominent individuals from corporations, medical and scholastic establishments, professional sporting associations, and public and private organizations. A partial listing includes:
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AT&T
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Baylor University and Medical School
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Dallas Cowboys
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Exxon
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General Motors
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Harvard University School of Medicine
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Oklahoma State University
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Oklahoma University
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PGA
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Shell Oil
OUR LIFETIME CLIENT COMMITMENT
Our commitment to you as a LIFETIME client of DE is to provide you with the following LIFETIME benefits. These benefits are provided to any client who purchases an annuity based on our recommendations.
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Consistently deliver outstanding customer service
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Accessible 24/7 to answer all questions or concerns
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Available to speak on your behalf to insurance companies
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Meet at least quarterly to review your annuity products
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Ensure your Required Minimum Distributions are met once you reach 70 1/2 years of age
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Keep up with new annuity rates and products
Join Our List of Satisfied Clients.
DE has helped many clients throughout the state of Texas to increase and protect their retirement income. We want to help you too...
Such a relief!!
" DE was a delight to work with! Absolutely ZERO sales pressure, and helped me find the perfect annuity for what I needed. "
Julie S.
Dallas, TX
Very helpful and extremely knowledgeable
"DE was extremely knowledgeable and were able to explain annuities to us in a way we could understand. They let us take our time when making our decision until we felt 100% comfortable with our decision. "
Stephanie & John M.
Plano, TX
We love DE. 100% recommend
" Our family loves DE! We felt more like they were on our side rather than being super salesy. We have referred many of our friends and family to them, and will keep doing so! "
Jerry & Sally S., Lewisville, TX
Helped me find the right annuity. Zero sales pressure and unbiased.
" These guys are masters of their field. They are patient and make sure you to answer all your questions until you understand everything you need to feel comfortable before buying an annuity. They are educators and present the facts in a completely unbiased fashion. Would rate 10 stars if I could. "
Jeff G.
The Colony, TX
The reviews represent the experience of select DE's clients, which may not be representative of all customers. The reviews are not indicative, nor do they guarantee future financial success.