CINCO RANCH FINANCIAL is known for its honest financial services with personal attention to the client's needs . We tailor our services for each of our client's unique situations and provide our clients with their preferred level of information that will facilitate in their decision to choose the plan that is right for them.  Once the client's choice has been made we continue our relationship with ongoing customer service and personal attention.

Through our commitment, experience, and expertise Cinco Ranch Financial has established a business relationship with our customers that will last a lifetime!



Employee Benefit Planning 

We help get the right benefits for your organization by working as your benefits agency.  We will design your benefits package to help meet your budget and goals. Our expertise in the employee benefits arena can help you work on building your business while taking care of the people in your company.

We can help you with:

• Group Health, Dental and Life Insurance

• Retirement savings plans such as 401(k) plans and Deferred Compensation Plans

• Section 125 payroll deduction benefits.

Business Continuity Planning

We have the staff to help you create the business plan(s) you need.  Whether it is a Buy/Sell Agreement or a Stock Purchase Agreement, we have the experience to design the most efficient and tax-advantaged plan to help ensure a smooth transition of pre-arranged value for your company ownership.


Life Insurance, Health Insurance, Disability Income Insurance, Long-Term Care Insurance and Annuities

As an independent insurance agency, we can shop the best prices and interest rates available across the industry.  Let us do the shopping and provide you with the best options for you to choose from. 



Investment Planning - IRAs and College Savings Plans

We help you understand your options in investing your savings so that you can make the choices that fit your style.  Whether it is long term or short term, we can help you make the right decisions.

Final Needs Planning

We have the years of experience needed to truly understand the effectiveness of different estate plans.  We can help your attorney develop a will or trust that is most cost effective for your estate and tax planning needs.
Calculators

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

More Calculators →

Newsletters

Tax Changes for 2012

Mandatory annual inflation adjustments generally affect federal income tax brackets, retirement plan contribution limits, and estate tax exemption levels. Here are some of the major changes that could affect readers in 2012, with a table showing 2012 income thresholds for the six federal income tax brackets.

New Opportunity Under the Federal Gift Tax

The 2010 Tax Relief Act raised the lifetime gift-tax exclusion to $5 million. This means it could be a good time to make the most of tax-free gift transfers. If so, it's important to understand the annual and lifetime gift exemption limits, as well as which gifts might not be subject to them.

Balancing Stability and Growth

An investor who is 2 or 3 decades from retirement could decide to be more aggressive in pursuing investment growth than someone approaching retirement. Even though investors address this by transitioning to a more conservative asset allocation, they still need to seek growth while balancing the desire for principal preservation. This article offers some factors to consider.

Managing Cash When Interest Rates Are Low

It's generally a good idea to keep three to six months of income in an emergency fund, but where should cash be kept when interest rates are low? This article discusses the advantages and disadvantages of savings accounts, certificates of deposit, and money market funds.

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