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

Financial Advisor Talking To Senior Couple At Home

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.

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.

Our Team

Turtle Creek Financial Group has a network of Field Analysts throughout the Midwest and Southern United Sates. Our FA’s bring a personal, Local level of service to our clientele while our Team headquartered in the Dallas Metroplex provides expert support to our local community Creek Financial Group associates.

William E. Watson, III · RFC

Registered Financial Consultant · President · General Agent

Bill Watson has been a Financial Services professional in the Dallas Metroplex since 1985. His background is in business continuity planning, private retirement strategies and estate transfer planning. His primary focus is in assisting individuals and private business owners in the development and implement of “Safe Money Strategies” designed to protect and maximize the value of their assets for themselves and their families.

University of North Texas—Finance & Risk Management
International Association of Registered Financial Consultants
National Association of Insurance and Financial Advisors
Society of Financial Services Professionals
Who’s Who in Executives and Professionals

Stephen Hull, RFC, MBA

Registered Financial Consultant · Executive Vice President

Stephen Hull has more than 40 years experience in the financial services industry, including 14 years in commercial banking culminating with his services as President of a Texas bank located in the Dallas-Fort Worth Metroplex. In 1990 he established Benefit Systems Group, a consulting firm designed to assist business owners providing retirement plans, benefit packages and financial planning. Steve sold BSG to a large local firm prior to accepting the position as Executive Vice President- Associate General Agent of Turtle Creek Financial Group. As Executive V.P. of TCFG Private Client Division Steve specializes in the development of customized financial strategies for business owners and professionals designed to preserve wealth and minimize taxation.

International Association of Registered Financial Consultants
National Association of Insurance & Financial Advisers
Texas Health Underwriters Association
Dallas Estate Planning Council
The Financial Planning Association

Ray Croff, CLU · ChFC · RFC · CAP · CEPA

Registered Financial Consultant · Managing Partner - Denton · CEO & President Mobius Financial Advisors

Ray has an entrepreneurial background. Before entering the Financial Service profession and joining the Turtle Creek Financial Group, he owned his own business with numerous employees, equipment and real estate for over 15 years. Combining this invaluable experience with his financial knowledge and education makes him well-suited to work with the small Business Owners and their families.

Ray Croff – Professional Education & Qualification

International Association of Registered Financial Consultants
Chartered Life Underwriter—American College
Chartered Financial Consultant—American College
National Association of Insurance and Financial Advisors
Society of Financial Service Professionals
BBA – Bachelors of Business Administration- Financial Services, University of North Texas
BBA -Bachelors of Business Administration- Insurance, University of North Texas
Adjunct Professor of Insurance – University of North Texas 2002 – 2008 Course taught focused on Finance, Employee Benefits and Insurance
CEPA – Certified Exit Planning Advisor – The Exit Planning Institute
Certified Value Builder
Certified Value Growth Advisor

Harlan W. Wiese · RFC · LUTCF · CLTC

Registered Financial Consultant · Brokerage Manager

Harlan Wiese has more than 38 years experience in the Financial Services Industry. In 2003 he established Wiese Insurance Services Company, focusing on developing a network of like-minded financial services professionals providing client solutions in the areas of retirement planning, wealth preservation, asset accumulation and distribution. Partnering with Turtle Creek Financial Group, Harlan is able to use his broad base of knowledge and skills to implement the most appropriate financial strategies to assist his clients in meeting their objectives.

International Association of Registered Financial Consultants
National Association of Insurance & Financial Advisors
Life Underwriter Training Council Fellow
Certified in Long Term Care—CLTC

Rebekah L. Collins

Office Manager

Rebekah Collins has spent the majority of her working career with Turtle Creek Financial Group having joined at the inception of the firm in the summer 2003. Prior to that she was responsible for client support at a major Park Cities Professional Facility and did a brief stint in telemarketing for a national Financial Services company. That experience has uniquely positioned her to understand what is important to both our clients and associates as we seek to offer solutions that not only assist our clients with the financial security of thier business and families but provide peace of mind to pursue their own responsibilities and interests. Rebekah supports TCFG associates in structuring programs and solutions for clients. She serves as the primary liaison with our core providers in the implementation of client services and benefits. Rebekah provides client support with a diligent conscientiousness beyond that which most people are accustomed to receiving in this high-tech era.