The Right Money To The Right People At The Right Time™

Financial Planning

Planning for accumulation, conservation and ultimate distribution of your property.

Investment Management

Managing investment strategies based on your goals and risk preferences.

Retirement Plans

Helping your employees to confidently prepare for a dignified retirement.

Employee Benefits

Providing cost-effective benefit plans that meet your employees’ needs.

Executive Benefits

Providing incentive plans to build a strong and loyal executive team.

Succession Plans

Preparing for a secure and orderly transition of company ownership.

Personal Insurance

Providing important financial security for you and your family.

Business Insurance

Providing thorough and cost-effective business risk management plans.

Texarado Western logo


Serving Families and Businesses In The Agriculture Industry

Richards Financial Logo


Serving Families and Businesses In Other Industries

Benefit the team


Our Group Employee Benefits and Insurance Team

Cetera Advisor Networks logo


Our Broker-Dealer and Registered Investment Advisor Firm

Inquire with us today and see how we can help you.

Get in Touch Now

Blogs

Tax season might not spark joy, but a refund sure can. In 2025, the IRS estimates the average federal income tax refund will top $3,170. 1 That means a lot of folks are suddenly asking the same question: What should I do with it? Splurge? Save? Invest? The good news: there’s no one-size-fits-all answer. But there are a few options that tend to deliver more peace of mind and long-term upside. Here are five smart...
As spring arrives and the weather warms up, many people turn their attention to cleaning out closets and organizing their homes. According to a recent survey, about 80% of Americans have spring cleaning on their radar this year. 1 While most focus on the physical space, spring is also a great time to get your financial house in order. Refreshing your financial habits can reduce stress, provide structure, and uncover new opportunities to save money...
What makes one investor stick with their strategy through market swings while another panics and pulls out? Often, it comes down to mindset. Your investing mindset can shape how you make decisions, respond to volatility, and pursue financial goals.1 Without a strategy that aligns with that mindset, it’s easy to make impulsive choices or lose sight of your long-term plan. The good news? You don’t have to be a market expert to invest. By understanding...