About Us

It should be evident that the philosophy of Turtle Creek is simple yet profound. It is obvious to those who consider it, however it is rarely executed. At Turtle Creek, we believe the first two of these objectives should never be separated, for in congruence, they yield the third. Our philosophy is simple; it is rare. Any alternative is unapologetically unacceptable. As such, we encourage you to welcome our philosophy as your own: Protect Assets, Grow Wealth, Live Well.


Our Philosophy

Turtle Creek Financial Group categorizes capital management into three unique yet equally necessary qualities: growth, protection, and distribution. Most companies are quick to promote their proprietary strategies to grow wealth. Few, however, sufficiently compliment their capital growth with competent structure to protect gains from loss. Fewer still are able to procure growth and protection in a strategy that maximizes distribution.

Accumulation, while imperative, is irrelevant if the investor cannot protect his gains. Making money simply to give it back wastes not only money, but the opportunity from time and effort utilized in the process. Worse still, however, is the investor who further experiences loss of principal. Aside from the emotional toll the investor incurs, wealth simply compounds quicker and with better results when losses do not have to be recovered before another gain is realized. At Turtle Creek, we find it unacceptable to implement a plan that promotes the growth of capital without procuring the necessary safeguarding of that wealth.

Furthermore, working hard to grow an investor’s assets is deficient if those assets cannot be accessed and distributed with efficiency and maximum cash flow. When principal is not inherently protected through the asset management strategy, then the investor is forced to reallocate his principal to more secure yet equally less yielding investments. If, however, the principal is fully protected as a structural quality, then such reallocation and the forced acceptance of lower yields to mitigate risk is unnecessary. Allowing higher yields, then, even equal to that during the accumulation phase of an investor’s life, provides the investor exponential cash flow compared to the aforementioned alternative. In addition, the investor should have access to his wealth when he needs it, for while market cycles often find themselves in the spotlight, too often the investor’s own life cycle gets lost in the shadow.

It should be evident that the philosophy of Turtle Creek is simple yet profound. It is obvious to those who consider it, however it is rarely executed. At Turtle Creek, we believe the first two of these objectives should never be separated, for in congruence, they yield the third. Our philosophy is simple; it is rare. Any alternative is unapologetically unacceptable. As such, we encourage you to welcome our philosophy as your own: Protect Assets, Grow Wealth, Live Well.

 

All well managed portfolios hold defensive reserves.
Harlan W. Wiese RFC LUTCF CLTC
Private Client Division Brokerage Manager
Compound interest is good, compound taxation is bad.
Ray Croff CLU ChFC RFC CAP
Registered Financial Consultant Managing Partner - Denton
The best time to plan is before you have to. If you wait until you have to plan, you are reacting and not planning, and your options are very limited.
Stephen Hull MBA, RFC
Registered Financial Consultant
Our firm philosophy is simple: protect assets, grow wealth & live well.
William E. Watson III
Registered Financial Consultant President General Agent
The success of a financial strategy is often more dependent on its systematic nature than its rate of return.
Kurt G. Poetschke
Private Client Division
Successful people make a habit of doing what unsuccessful people are unwilling to do.
Holly L. Hullum
Private Client Division