GROW
“Help secure Your Future with Expert Retirement Planning and Investment Strategies”
As you approach retirement, you have important dreams and goals for your future. Achieving financial security in retirement depends on your ability to plan, save, and invest wisely today. The decisions you make now about managing your 401(k), pensions, savings, and investments will play a key role in reaching your retirement goals and enjoying the blessings of financial independence as you grow older.
At Caprock Financial, we specialize in retirement planning for seniors, helping you build a comprehensive strategy that aims to ensure your financial future is secure and aligned with your dreams.
CAPROCK
Financial Group
“Help secure Your Financial Future and Legacy for You and Your Loved Ones”
Help to ensure your financial security in retirement and create a lasting legacy with comprehensive retirement planning. By managing your 401(k), pension, and savings, you can strive to protect your wealth throughout your life and beyond, giving you peace of mind and helping your loved ones enjoy the benefits of your careful planning.
“Let’s Sit Down and Talk About Your Financial Future”
We understand that planning for your future is a big decision, and we’d love to help you navigate it. Whether you’re looking to manage your 401(k), plan for retirement, or create a strategy for your savings, we’re here to guide you. Please reach out by phone or email to schedule an in-office appointment at your convenience. We look forward to meeting with you and helping you achieve your financial goals in a relaxed and friendly setting.
8 ELEMENTS
OF FINANCIAL CONTROL
“A goal becomes a reality with a plan. Let’s create yours together!”
Emergency Builder
Liquidity is important for those unexpected yet expected events. Not having enough emergency funds can cause inefficiencies in your investments and income if those emergencies are having to be taken care of out of them.
Revenue Replacer
Revenue Replacer looks at what happens when sources of income are lost. This may be the loss of pension, social security, and other sources of income when a loved one passes away. It’s important to have a strategy in place to replace that income, so that the lifestyle going forward isn’t compromised.
Income Optimizer
Income is the foundation of a financial plan. Income optimization makes sure you’re taking income the most tax efficient way. It also ensures that you have enough guaranteed income source for certainty in your financial life. Predictable income allows you to be spontaneous with your lifestyle for the things you enjoy doing, and living the retirement you dreamed of.
Asset Builder
Once you have your income optimized and you know that you have your income and where their sources are coming from, you have your emergency builder set up so you have liquidity. You have your revenue replacer taken care of so you’re taking care of your loved ones. Now’s the time to start to finally start building your assets, not just for short-term and long-term. Using the asset builder process, we are able to structure assets strategically utilizing intelligent portfolio design hoping to enhance the most amount, or get the most amount of your money that’s possible.
Legacy Enhancer
Legacy Enhancer focuses on growing your assets for your future, and those that you want to leave your money to. The right balance of risk and reward can be found by developing an investment policy statement for your financial plan to ensure you’re not taking on too much risk, and that your goals can have a higher likelihood of success.
Tax Planner
With tax planning everyone understands that whether you pay $5 or $50,000 to the IRS, everyone loathes paying money to the tax world. Realizing that taxes are a fee that can have a negative income, not just short term, but also long term with your investment plan is very serious business. During the tax planner module we look to see how taxes impact everything. All the way from your income, to your assets, to your estate, and your legacy. We stress the tax importance so people understand the net rate of return for their investments rather than the gross.
Legacy Defender
Legacy Defense is important for protecting your money from other people. You’ve worked hard to get where you are. We live in a litigious society. This analyzes where your investments & assets might be vulnerable to lawsuits and creditors & then makes recommendations on how better to protect yourself.
Dynasty Creator
Dynasty Creator assesses where your estate is now, and how better to optimize what you leave behind. It’s not only important what you leave behind, but how you leave it. There are 3 places your assets can go when you pass: Your Loved Ones, Charities, & the IRS. No one wants to leave it to the IRS. A properly structured financial plan will include legacy strategies to leave assets the most tax efficient way.
RETIRE
EARN MORE KEEP MORE
DERECK BLAIR
Dereck Blair is a lifelong servant of the community who has been an insurance expert, financial planner, and tax specialist for almost a decade.
As a 3rd generation farmer himself, Dereck grew up experiencing first-hand the pressure that comes with knowing that a bad crop or a bad turn of luck could bankrupt their family or worse, even if it seemed like they were doing everything else right.
Dereck uses this same philosophy in financial planning, to help and guide individuals, families, and businesses he works with; to plan for the good but be well prepared for the unfortunate situations that potentially may happen. He does this by using a very comprehensive and personal planning system.
After attending West Texas A&M University, Dereck founded Caprock Financial so that he could implement his philosophy and help families like his protect and grow their generational wealth without the constant worry that they may lose the things they worked so hard for.
Today he lives a life that he’s proud of in Shallowater where he is married to the love of his life, Heather, and raising their six amazing children.
Getting Crushed
by Taxes?
There is a better way. Our focus on tax planning for retirement aligns with the concerns of retirees who are looking for ways to minimize taxes and maximize their savings.
