Texas Capital Bank


TexasCapital081814FBTX_TEXASNK00001Loan Star

Texas Capital Bank is #1 in business loan growth over the past five years. It has outpaced the largest banks in the country, which speaks volumes about its financial strength and unwavering mission to help businesses grow and communities prosper.

The bank works primarily with privately held companies throughout Texas and across the nation, serving clients from five regional offices in Austin, Dallas, Fort Worth, Houston and San Antonio.  Local decision-making and a commitment to exceptional customer service have earned Texas Capital Bank a reputation for being The Best Business Bank in Texas®. The company also recognizes the inherent connection between business and personal goals, and its Private Wealth Advisors are experts in private banking, investment management and trust/estate planning. …Read More

Prosperity Bank


Prosperity081814BTX_0PROSPNK00001The Big Bank with your Community’s Bank Inside

In a recent interview, CEO David Zalman explained the strategy that has led Prosperity Bank to become one of the largest Texas-based banks.

Mr. Zalman, I understand Prosperity Bank is a large bank, but how is that measured?
Zalman: “With 248 banking centers and $18.91 billion in assets as of March 31, 2014,  Prosperity is one of the largest Texas-based banks. This does not include F&M Bancorporation and its subsidiary, The F&M Bank & Trust Company, which we acquired on April 1, 2014.  As of March 31, 2014, F&M had $2.41 billion in assets and 13 locations in Oklahoma and Texas. Each one of Prosperity’s banking centers offers our customers full-service banking with personal bankers, Prosperity’s ‘Real Bankers,’ who understand and cater to those customers’ financial needs. We offer traditional ‘hands-on banking,’ the kind of banking based on personal relationships that used to be the standard for community banks. In other words, Prosperity provides all of the products and services offered by a big bank, but delivers them at the banking center the way a community, customer-friendly bank serves its customers.” …Read More

IBC Bank


IBC081814FBTX_IBCBANK00001IBC Bank Boasts Local Leadership, Local Decision Making

Community banks play a vital role as the engine that keeps our local, state and national economies running. Community banks help finance startups, expansions, and development projects, creating jobs and shaping our communities. In the case of small towns, they are the lifeblood of the community.

IBC Bank, built on community banking values and processes, is large enough to have a vast financial reach, but small enough to deliver personalized service. Founded in 1966 in Laredo, Texas, International Bancshares Corporation is a $12.1 billion multibank financial holding company serving 88 communities throughout Texas and Oklahoma. Despite its vast footprint, IBC Bank understands that to be successful in the industry, you have to know the communities and the people you serve. …Read More

Carter Asset Management, Inc.


TexasFinancialAdvisory063014FBTX_TEXASRY00001Navigating to and Through a Successful Retirement With Endowment-Style Financial Planning

When the dust settled from the financial downturn in mid-2009, David Carter, CPA/PFS, CFP® enjoyed meeting with his clients to share the good news that they were just fine. Carter’s lifelong investment philosophy had paid off.

“I told my clients, ‘Look what good shape you are in because we did not try to time the market or run away from it at the first sign of a bad cycle.’ ”
Carter’s impressive resume as a Naval officer, university professor, Certified Public Accountant, …Read More

The Blair Group, LLC


TexasFinancialAdvisory063014FBTX_TEXASRY00001Protecting Clients in the Financial Storm
 Curtis D. Blair, CEO

If you like uncertainty 
and (occasionally 
stomach-churning) surprises, you probably like today’s stock market.

However, if you prefer stability and reliability and want to preserve the money you are using or will use for retirement, you’ll probably love The Blair Group. “Our firm assists clients in planning for their financial futures, with an emphasis on protecting their assets and guaranteeing a retirement income stream,” says its CEO, Curtis D. Blair. …Read More

Texas Financial Advisory


TexasFinancialAdvisory063014FBTX_TEXASRY00001Protecting Retirees’ Lifestyles From the Unexpected

Brooklynn Chandler Willy was trying to inject a little levity into a serious discussion. “The last time I checked, the mortality rate was hovering around 100 percent,” she joked. “Still, I plan for my clients’ retirement like they are going to live forever.”

Despite her playful sense of humor, Willy couldn’t be more serious when it comes to her clients’ financial futures.  As president of Texas Financial Advisory, an independent financial advisory firm specializing in the needs of pre-retirees and retirees, Willy works with clients to create a sustainable retirement income plan that seeks to protect their lifestyle from the unexpected. “We lay out a cash-flow plan so our clients will know where their money is going to come from for the rest of their lives,” she says. “Our ultimate goal is to mitigate risk for our clients.” …Read More

Income Solutions Wealth Management


Income063014FBTX_INCOMNT00001‘The Outcome Should Be Income’

Lance A. Browning, RICP® had had it with Wall Street’s “bailout/buyout mentality.”

And, after nearly two decades in the financial services industry, he wanted to be free to choose the investment options he felt were in his clients’ best interest. In August 2012, he and others in his office left the wire house where they had worked for years to start their own firm.

The idea behind Income Solutions Wealth Management was simple, he says: to create a company offering access to objective, conflict-free financial advice to retirees and pre-retirees. …Read More

The Davis/Yost Group at Morgan Stanley


DavisYostGroup063014FBTX_THEDAWM00001A Holistic, Relationship-Driven Approach to Wealth Management

The CEO of a publicly traded company needed to comply with new industry corporate governance protocols; the solution was to convert an existing line of credit secured with his company stock to one that did not require disclosure in the company’s proxy. After a nine-figure liquidity event in the high-risk energy business, a husband and wife were interested in an investment strategy with much lower risk; her objectives were clear – she wanted to sleep at night. A struggling publicly traded company under pressure from its banks sold high-yield bonds, allowing it to grow and attract a buyer at a much higher valuation.  Another client found a great deal on an aircraft purchase – but was it a great deal? …Read More

Summit Financial Group


Summit063014FBTX_SUMMIUP00001For Selecting a Financial Advisor,Trustworthiness Is No. 1 Criterion
George Warner, CFP®, CEP®, RFC®, AEP®

The selection of a financial advisor most often boils down to one question: Do you like and trust this person?

Recently, financial planner George Warner, CFP®, CEP®, RFC®, AEP® sat down with financial editors to discuss the increasing importance of trustworthiness in the investor-advisor relationship.

Warner is featured in Texas Monthly magazine as a 2009, 2011 and 2012 Five Star Wealth Manager. He is also a six-time Riter C. Hulsey Award winner in recognition of his integrity and loyalty to clients. …Read More

DDI Financial Services


Retirement Income Solutions for Challenging Times

You’ve been getting ready for years, faithfully putting money into 401(k)s, IRAs and other retirement accounts in anticipation of the time when you retire. Now comes the hard part: generating a retirement income that will meet your needs and last your lifetime.

Indeed, retirees and pre-retirees today face some of the most challenging circumstances in recent memory, says Richard “Dickie” Dean, president/CEO of DDI Financial Services. According to Dean, today’s historically low interest rates and the direct and indirect effects of the international markets are causing many people to look at options they might not have considered in the past. In addition, many are working longer and even starting new careers. …Read More