Comprehensive Solutions- Great Rates! "Experience You Can Trust For Your Best Interest"

"360 Degree Communication" means you enter a frustration-free communication zone from application to closing. Getting the right mortgage loan at the lowest rate is like getting the keys to your new house! We can help you get there. Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you grow and manage your equity to help you become debt-free faster for the lowest monthly payment. Let our professionals guide you to the very best refinanced loan!

Tapping into your Home Equity is also easier than ever before. Tap into that wealth and accelerate your equity growth. We'll help with the best loan program to fit your short and long-term financial goals throughout your life stages: marriage, kids, college, and retirement.

Reverse Mortgages We can also help homeowners over age 62 tap into their equity for any reason- with no monthly repayment required. The Reverse Mortgage has become an important financial planning tool that is helping many Seniors keep and maintain their homes, despite rising costs and taxes that often threaten to make those homes less affordable. I can provide you with valuable information to help you make important financial decisions, such as planning for retirement, buying a home, financing a college education, or investing for your family's future. Retirement Planning   People entering retirement are facing new concerns. As healthcare is improving and life expectancies rise, you are likely to live longer during retirement than past generations. Unlike your parents who likely had their retirement funded mostly with guarantees made by their employers and the government, the assets you have accumulated may be your primary source of cash flow. I can partner with you to create a plan considering the level of assets needed to fund your vision of retirement including likely income needs, potential tax implications and risks that can stand in the way of realizing your vision. Legacy Planning   Everyone should consider doing some estate planning, no matter how large or small your estate might be. However, estate planning can be a difficult process and can bring some emotional issues to light. Should you choose to put off proper planning now, it could cost your loved ones later. Estate taxes can devour the value of the estate that is intended for your heirs. Proper planning can eliminate this worry. I can help you develop a plan to maximize the amount you leave to your heirs and minimize the amount you leave to Uncle Sam. Professional Money Management   Through H.D. Vest Advisory ServicesSM, I am able to offer my clients access to several professional money management programs that provide access to many fund managers managing separate client accounts via a wrap-fee arrangement. Investment Management Together, we can create an investment strategy that is designed just for you with your unique goals and needs in mind. I will build an investment plan that considers your investment goals, comfort level, expectations, and the effect of taxes on your portfolio. Because investment management is something that should be adjusted as your goals evolve and your portfolio changes, I will work with you on an ongoing basis to monitor your portfolio and rebalance it as needed. Cash Flow and Debt Management   Without a clear picture of what money is flowing in and out each month, it is impossible to make informed decisions with respect to the other wealth management issues that affect you. Your debt level and credit history are also important barometers of your financial health. Good debt management ensures you have credit when you need it, make wise borrowing decisions, and avoid disaster if you become overextended. We can identify where your cash is going each month and evaluate potential opportunities to improve your cash flow through tax strategies and debt management. Family Risk Management   Even the best investment plans can crumble if you have not properly prepared for the unexpected – risks that exist for every family such as disability, death, or a long-term-care need. I can evaluate your current risk plans to determine if they are adequately meeting your needs at this stage of your life and as you plan for the future. I will make suggestions that not only address your risk management needs but also consider the tax implication of these changes. Business Planning   As a business owner, you likely face daily challenges such as having enough cash available to take advantage of opportunities when they arise, using the business as a vehicle to save for your and possibly your employees’ retirement, and protecting your business from a potentially devastating financial loss. I can help you evaluate and implement strategies that not only protect your business, but also take advantage of opportunities that could improve the cash flow, tax situation, benefits, and bottom line of your business. Special Situations Planning   Throughout your life, as you pursue your long-term goals, some expected and unexpected needs will come your way, whether it is planning for a wedding, taking a spur-of-the-moment dream vacation, deciding to buy a second home or facing unexpected expenses due to unforeseen events. I am here to help you with situations that don’t always fit nicely into the other wealth management issues and determine a path to monitor your tax situation and get you through whatever financial challenges and opportunities arise.   Additional Services Bonds Business Banking* Stocks Life Insurance Annuities Mutual Funds Long-Term Care Mortgage Planning About H.D. Vest Based in Irving, Texas, since its inception in 1983, H.D. Vest Financial Services supports an independent network of tax and non-tax professionals who distribute comprehensive financial planning solutions, including securities, insurance, money management services and Wells Fargo banking products. Approximately 5,400 independent contractors manage over $21 billion in assets for some 1.8 million individuals, families and small businesses in all 50 states. H.D. Vest became a non-bank subsidiary of Wells Fargo & Company in July 2001. *Banking products offered through Wells Fargo Bank, N.A. Member FDIC. 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