Full 1
Protect AssetsGrow WealthLive Well
Full 1
Full 1
Protect AssetsGrow WealthLive Well
Full 1
Full 1
Protect AssetsGrow WealthLive Well
Full 1

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

Turtle Creek Financial Group supports a national network of Field Analysts to assist clients in achieving these goals.

Financial Services

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

Retirement Strategies

Individuals fund their retirement income from four potential sources: Social Security retirement benefits, employer retirement plans and IRAs, personal savings and investments, and post-retirement employment.

Charitable Giving

A gift made to a nonprofit organization, charity, or private foundation. But more than that, a charitable gift allows a donor to make a difference, to make an impact on an individual’s life, and to give back to the community that they live in.

Business Planning

Exit, Succession, and Retention Planning: Our team provides you with creative solutions through a number of advanced strategies that can be custom-tailored to meet your specific needs. 

Estate Planning

The process of creating a legacy by arranging for the transfer of property at death. Estate planning focuses on creating certainty for the legal transition of property through the orchestrated use of trusts, wills, beneficiary designations and ownership structures.

Financial Resources

Premium Finance

Some individuals have a need for large amounts of life insurance coverage whether it be for personal/estate planning or business planning. They may be asset rich but don’t have the cash flow needed to make the premiums or they may feel that they can earn more on the funds in their business than the interest…

Financial Analysis for Estate Planning

Learn what is typically involved in financial analysis as part of a wealth management plan. This includes defining what you need, determining your likely sources of retirement income, defining your wealth gap, and adjusting your analysis for inflation factors.

Role of the Insurance Broker in Exit Planning

Learn how our insurance specialists can assist in exit planning.

Outlining the Problem

Learn about the challenges business owners face if they plan to sell their business.

Indexing vs Investing

Learn why indexing can be superior to investing.

403(b) Plans

Section 403(b) Plans (Tax-Deferred or Tax-Sheltered Annuity Plans) What Is a Section 403(b) Plan? There are two general types of 403(b) plans: voluntary-only salary deferral or reduction plans in which employees allocate a portion of their pre-tax compensation to the 403(b) plan, generally not operated as part of ERISA, and plans in which employers make contributions…

Avoiding Probate

What Is It? A revocable living trust is a legal entity created by a person, the grantor, to receive assets that the trustee will manage and ultimately distribute according to the grantor’s wishes. Because the trust is revocable, the grantor can alter, amend or revoke it at any time during his or her lifetime. But…

Minimize Transfer Tax

What Are Transfer Taxes? Estate taxes are levied against an individual’s estate at death. The part of the estate that gets taxed is the part exceeding a specific exempt amount. Also excluded from federal estate taxation are the amounts left to a surviving spouse that qualify for the marital deduction. What’s the Effect of These…

Bypass Trust

What Is a Bypass Trust? A bypass trust is a device used to minimize a married couple’s federal estate taxes. It’s an arrangement that lets both spouses fully utilize their applicable exclusion amounts. How Does It Work? When the first spouse dies, the bypass trust receives that person’s assets up to the amount exempt from…

Marital Deduction

What is the Marital Deduction? The marital deduction allows property to be transferred between spouses—either during life or at death—without triggering either the federal estate tax or the federal gift tax. For the transfer to qualify, certain requirements must be met. One is that property given or left to the spouse can’t be a “terminable…

Calculators

Retirement Calculator

Retirement Calculator

Please fill out the fields below and press enter to submit the form. Numbers only. No commas (,), percent signs (%), or dollar signs ($) — you may use decimal points (.)

Auto Loan Calculator

Auto Loan Calculator

Please fill out the fields below and press enter to submit the form. Numbers only. No commas (,), percent signs (%), or dollar signs ($) — you may use decimal points (.)

College Savings Calculator

College Savings Calculator

Please fill out the fields below and press enter to submit the form. Numbers only. No commas (,), percent signs (%), or dollar signs ($) — you may use decimal points (.)

Debt Payout Calculator

Debt Payout Calculator

Please fill out the fields below and press enter to submit the form. Numbers only. No commas (,), percent signs (%), or dollar signs ($) — you may use decimal points (.)

Amortization Calculator

Amortization Calculator

Please fill out the fields below and press enter to submit the form. Numbers only. No commas (,), percent signs (%), or dollar signs ($) — you may use decimal points (.)

Mortgage Calculator

Mortgage Calculator

Please fill out the fields below and press enter to submit the form. Numbers only. No commas (,), percent signs (%), or dollar signs ($) — you may use decimal points (.)

Future Value Calculator

Future Value Calculator

Please fill out the fields below and press enter to submit the form. Numbers only. No commas (,), percent signs (%), or dollar signs ($) — you may use decimal points (.)

Successful people make a habit of doing what unsuccessful people are unwilling to do.

- Holly L. Hullum,

Private Client Division

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

All well managed portfolios hold defensive reserves.

- Harlan W. Wiese RFC LUTCF CLTC

Private Client Division Brokerage Manager

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

Compound interest is good, compound taxation is bad.

- Ray Croff CLU ChFC RFC CAP

Registered Financial Consultant Managing Partner - Denton