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Phone: (713) 681-2500

Fax: (713) 684-1600

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Community Outreach
Important Note:

June through November our agency may become prohibited from binding coverage should a “Tropical Disturbance” enter the Gulf of Mexico or Caribbean Sea.

In these cases we may be unable to bind new coverage quoted in open proposals until the storm leaves our area and our binding authority has been restored.

Please arrange your coverage protection early to avoid this type of delay. While we regret any inconvenience, the carriers impose these restrictions on all agencies.

Working with a Financial Planner

If you’re thinking about debt, you have company. According to the American Psychological Organization, nearly 3 out of 4 Americans think about getting out of debt on a regular basis. The number of Americans prepared for the future drops considerably, with less-than 20% of Americans feeling financially ready for retirement. With numbers like that it’s surprising only a fraction asked for help from a professional.

Financial Advisors vs Financial Planners

For professional financial advice, people often turn to financial advisors or financial planners. Often mistaken for each other, a financial planner and financial advisor have distinctly different roles. A financial advisor utilizes a broad set of financial skills offering surface-level guidance. They can help with portfolio management, estate planning, and tax preparation. A financial planner has a specific set of skills to offer targeted advice. A financial planner can help with retirement planning, smart investments, and creating personalized financial strategies.

This year, get out of the weeds. Take control of personal finances with the help of an experienced professional financial planner. If you answer yes to any of the following, you may want to think about calling a financial planner:

1. It’s challenging thinking about money

For many, just thinking about money is enough to become frustrated. Many people struggle with approaching finances at all. This is normal and happens to more people than you may think. A financial planner can step in and get things organized, and help keep things moving.

2. Managing money is mind-numbing

Effective money-management includes more than saving and spending. Each person has a different picture of the future yet one thing most will share in common is a financial vehicle for arriving there. There are a multitude of savings and investment strategies available. Find one that fits both budget and goals with the help of a financial planner.

3: It’s time for a second opinion.

People of all wealth and education levels lean on financial planners for advice and personalized guidance. From the first-time investor to the savvy business grad, a financial planner can help anyone interested in improving their financial footing. Get the most from investments. Contact a financial planner for help creating, diversifying, and utilizing savings vehicles.

Planning for the future is affordable. Financial planners utilize different pricing structures depending on the individual yet most employ a combination of three basic payment plans:

  • Flat-rate financial planning offers the advantage of flat-rate pricing for financial services.
  • Commission-based financial planning compensates planners from a percentage of investments.
  • Fee-based financial planners combine the previous payment structures to form a compensation plan.

To find the right a financial planner, start with selecting goals. Establishing an end-point gives financial planners something to help plan for. For those struggling to decide, a financial planner can help explain potential options and opportunities. It’s more than OK to ask for help planning for the future, it’s the smart thing to do. Contact a financial planner today and start working toward achievable goals today.