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

HOT TOPIC: Breaking Down the Debt-Ceiling Compromise

The Budget Control Act of 2011 raised the federal debt ceiling, mandated modest but significant caps on discretionary spending over the next ten years, and left the details of larger deficit reduction to a 12 member, bipartisan “super committee.” The main provisions of the law include the assumption that higher tax rates will return in 2013.

Using Living Benefits for Retirement Income

Many Americans are finding it difficult to predict how much they can save by retirement. Because traditional pensions are available to just one out of three workers today, a potential way of creating a guaranteed income stream in retirement is to purchase the guaranteed living benefits that are available with some variable annuities.

Protect Your Business with a Disaster Readiness Plan

Most people think of hurricanes, tornados, and earthquakes as events that could seriously affect the operations of a business and result in shortages of goods and materials. But even a fire or a flood in the warehouse can cause operations to come to a grinding halt. By one estimate, one-quarter of businesses never reopen after a major calamity.

Ways to Save More

About two out of three American workers are saving for retirement, but less than half are confident that they will save enough money to live comfortably during their retirement years. This article includes suggestions for readers to take small steps that could make a big difference when they are ready to retire.

More Newsletters →