403(b) Plans
Section 403(b) Plans (Tax-Deferred or Tax-Sheltered Annuity Plans) What Is a Section 403(b) Plan? There are…
Ray Croff
Field Agent, CLU · ChFC · RFC · CAP · CEPA
Texas
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
Resources
Learn More About How I Can Help
Business Owner Concerns & Obstacles
We specialize in helping business owners harness the earning potential of their enterprises to create…
Businessopia
In this video, Turtle Creek Financial Group highlights their expertise in supporting Managing Owners. Discover…
Coordinated Retirement Income Strategy (CRIS)
The Coordinated Retirement Income Strategy (CRIS) is presented as a potential solution for Americans concerned…
Depletion of Estate by Taxes & Costs
What’s Meant by Estate Depletion? The estates people leave for their heirs at death can…
Disability Insurance
What Is Disability Income Insurance? Disability income insurance provides an income for an insured individual…
Employee Retention/Key Person
Every business operating today has key people that help it remain successful and profitable. Although…
Executive Bonus Plan
Executive bonus plans can provide key executives significant benefits on a tax-deductible basis for the…
Financial Analysis for Estate Planning
Learn what is typically involved in financial analysis as part of a wealth management plan….
IRA & 401K
IRA What is the best accumulation vehicle to help supplement your retirement? Depends …Depends on…
Life Insurance
What Needs Can Life Insurance Fulfill? When an individual dies, life insurance becomes an instant…
Life Insurance Trust
What Is an Irrevocable Life Insurance Trust? An irrevocable trust is a trust in which…
Long Term Care
What Is Long-Term Care? “Long-term care” refers to medical caregiving services provided as a result…
Marital Deduction
What is the Marital Deduction? The marital deduction allows property to be transferred between spouses—either…
Minimize Transfer Tax
What Are Transfer Taxes? Estate taxes are levied against an individual’s estate at death. The…
Non-Qualified Deferred Compensation
A well-designed non-qualified deferred compensation plan can provide attractive supplemental retirement benefits to executives who…
Outlining the Problem
Learn about the challenges business owners face if they plan to sell their business.
Role of the Insurance Broker in Exit Planning
Learn how our insurance specialists can assist in exit planning.
Simplified Employee Pensions (SEP)
Simplified employee pension IRAs (commonly referred to as SEPs) allow employers to establish and fund…
Social Security Maximization
When Should I Apply? There are a number of factors to consider when deciding including:…
STOP – Solve the Owner’s Problems
Discover the importance of exit planning for business owners in this eye-opening video. Turtle Creek…