CaMu Financial & Insurance Services, Inc.


TexasFinancialAdvisory063014FBTX_TEXASRY00001‘Real to Our Promises, So You Can Be Real to Yours’


From medical history to financial history. Medical X-ray to financial X-ray. Treatment plan to financial plan. Patient education to client education.

As unusual as it may seem, Dr. Rafeek Mikhail’s career transition, from physician to financial advisor, was not as much of a leap as you might think.
Dr. Mikhail, a medical doctor focusing on clinical trials and research, specialized in kidney disease for many years after he finished his fellowship at USC. He started CaMu Financial & Insurance Services, Inc. in 2006. Though he no longer sees patients, he still keeps up with the medical research on kidney disease. And he follows the same philosophy in his current role as he did as a physician.

“To be successful, both the physician-patient relationship and the advisor-client relationship require complete honesty from both parties,” Dr. Mikhail says. “Both require an open mind, effective two-way communication, and a great deal of empathy and compassion. At CaMu Financial & Insurance Services, we are committed to asking the right questions, listening closely to the answers and helping clients make wise decisions about their money.”

Protecting Assets in Volatile Markets
While the firm serves a wide-ranging clientele, the primary focus is helping people make the most of their retirement years. As Dr. Mikhail notes, generating a stable retirement income that will retain its purchasing power, be sufficient to cover health care costs and any other emergencies, and last a lifetime is increasingly difficult in today’s volatile markets.

In his experience, the best solution for most retirees is an insurance product that provides a guaranteed income while preserving principal. Clients may choose from a wide variety of no- and low-fee options from more than a dozen financial institutions.

The firm not only encourages clients to plan for their own financial futures, it educates them on how to protect their assets for future generations, says Mary Mikhail, the firm’s vice president and chief financial officer. Clients have access to the services of an attorney and a CPA who can help them create a living trust, avoid probate, minimize taxes and ensure assets are transferred according to their wishes. These professionals, along with a mortgage specialist and a real estate specialist, are part of the firm’s carefully selected network of outside advisors. “We would never refer our clients to someone we didn’t know and trust personally,” she says.

“Ultimately, it’s all about helping our clients protect the assets they have accumulated over the years and guaranteeing they’ll have an income regardless of what the markets are doing,” Dr. Mikhail says.


27240 Turnberry Lane, #200 | Valencia, CA  91355
877-368-6464 or 661-977-3371 |

Beach Cities Protective Services


TexasFinancialAdvisory063014FBTX_TEXASRY00001When the Police Can’t Protect You, We Will


If keeping safe is about knowing the right people and having the right kind of experience, then Kevin Hackie, founder and CEO of Beach Cities Protective Services, believes his company has more than earned its reputation as a premier provider of robbery suppression and executive protection services.

“With 15 years of experience in this uniquely challenging business, we continue to thrive because our clients come to us knowing that we …Read More

TB Financial Group, Inc.


EdTBFinancial063014FBFL_TBFINNC00001ucation-Focused Approach Builds Trust, Yields Smart Retirement Planning Decisions

Elizabeth Cornell and Nicholas Lizzio are on a mission to educate Central Floridians about retirement planning strategies related to annuities and life insurance. The co-founders of TB Financial Group believe that once people become knowledgeable about these retirement income instruments, many of them will naturally come to realize they are their best option to preserve principal and provide income for the rest of their lives.

“Annuities offer some of the strongest income benefits available and for a retiree or someone planning for retirement, they just make sense,” says Cornell, CEO of TB Financial, which deals strictly in fixed annuities, index annuities and life insurance. “However, given the varied benefits, restrictions and tax implications these products and carriers have, it’s extremely important to work with someone who specializes in these products and truly knows how to plan with them. There are advisors and agents who sell good products in the wrong situation which ultimately makes them bad products.” …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

ProVise Management Group, LLC


ProVise063014FBFL_PROVILC00001Financial Planning for Your Life and Your Lifestyle SM

It’s easy to find a financial advisor. After all, there are more than 11,000 in Florida, according to the Bureau of Labor Statistics. But finding one who is qualified and certified to meet your unique needs can be challenging.

“Anybody can be an investment advisor. It’s the financial planning and the credentials that separate us from others,” says Ray Ferrara, CFP®, president and CEO of Clearwater-based ProVise Management Group, LLC. …Read More

Sycamore Group Inc.


Sycamore063014FBFL_SYCAMNC00001Wally Mackey’s Success Story
President, Sycamore Group Inc.

When Wally Mackey became a financial planner, he immediately discovered a problem. He had been trained to sell products he wouldn’t buy himself: mutual funds and variable annuities.

Realizing that clients often rode an investment gains-and-losses roller-coaster – and driven by the need to put his own financial house in order – Mackey created a way to climb out of debt, avoid fees, protect against losing money and amass millions for retirement. That’s what he and his wife did. …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

Parady Financial Group, Inc.


Parady063014FBFL_PARADUP00001Educating, Empowering and Freeing Today’s Retirees

When Greg Parady tells his clients, “This isn’t your parents’ retirement” and “Our goal is to create a plan about you—your life, your way,” he’s offering more than just clever branding phrases. He is sharing his passion and the essence of his mission with today’s retirees.

Since launching Parady Financial Group, Inc. in 2001 in the heart of The Villages—Florida’s largest retirement community and the nation’s “fastest-growing metro area” in 2014, according to the Orlando Sentinel—Parady and his team of professionals have educated and counseled more than 1,600 retirees, addressing their concerns about asset protection and lifelong income. The firm’s goal: helping clients achieve peace of mind. …Read More