─ RETIREMENT INCOME PLANNING
You Worked Hard to Build Your Wealth. Now Put a Strategy in Place to Help Protect It.
FOR HIGH-NET-WORTH INDIVIDUALS
Serving clients with $5M–$50M in liquid assets
─ THE RISK NO ONE IS TALKING ABOUT
The Biggest Risk No One Is Talking About
You did not build your wealth by accident. Whether you sold a business, managed a career at the highest level, or grew a portfolio over decades, you were intentional about every decision along the way.
But here is what most advisors will not tell you: the way your portfolio is structured right now could put your entire retirement at risk.
It is called sequence of returns risk. If the market drops 30 to 40 percent in the years immediately before or after you retire, the math changes dramatically.
"The people who were most affected were those who had the most to lose, but were positioned no differently than someone with a fraction of their wealth."
$10M
Portfolio value before a 30–40% market decline
What you planned to retire on
$6M
Remaining portfolio after a major drawdown at retirement
The income you counted on is no longer sustainable
2008 & 2020
This is not hypothetical, it has happened
The lifestyle you worked your entire life to afford was suddenly in question
─ THE SOLUTION
A Different Approach to Retirement Income
At Financial and Insurance Consultants, we do not place clients into off-the-shelf models and
hope the market cooperates. We build custom retirement income strategies using two distinct components.
COMPONENT ONE · INCOME FLOOR
Government Bonds & Treasuries
We purchase actual U.S. government bonds on your behalf. Not bond funds. Not ETFs that track bond indices. The actual securities, backed by the full faith and credit of the United States government.
─ Stable, predictable income stream
─ Completely independent of stock market performance
─ Regardless of what happens in the economy, your income is secure
COMPONENT TWO · GROWTH ENGINE
Academic Portfolio Management
Structured using Modern Portfolio Theory, developed by Nobel Prize laureate Harry Markowitz. This is the same model that Ben Keel teaches in the graduate financial planning program at Rice University.
─ Disciplined and data-driven
─ Designed to help your portfolio grow and outpace inflation over time
─ Delivers reliable income today while building wealth for the next generation
─ WHY THIS FIRM
Family Office Service Without the $50 Million Minimum
Most people with $5 to $50 million in liquid assets fall into an awkward gap. They have too much money for a standard advisor to give them the attention they deserve, but not quite enough to justify a full family office.
They end up at a wirehouse, assigned to whoever is available, and managed like every other account on the book.
We exist to fill that gap.
DIRECT ACCESS
Their office staff answers the phone directly. No automated systems. No transfers.
CUSTOM FINANCIAL PLAN
Built specifically around your goals, your timeline, and your risk tolerance.
SENIOR-LEVEL STRATEGY
Direct access to Ben Keel and the planning team for strategy discussions and portfolio reviews.
ONGOING MONITORING
Formal reviews every six months to ensure the plan stays aligned with your life.
─ WHO IS BEHIND THE PLAN
Ben Keel III
FOUNDER & LEAD PLANNER
MBA, CFP®, ChFC, CLU, CFEd, CKA®
Named one of the Top Financial Planners in the Nation — Consumers' Research Council of America, since 2008
Adjunct Professor, Rice University Graduate Financial Planning Program — since 2011
Past Chairman and President, Houston Financial Planning Association
Six professional designations including the CFP® — 50% pass rate after two years of study
Former Senior Financial Planner at Fidelity Investments
United States Army veteran and Eagle Scout, in the financial industry since 1993
─ NEXT STEP
Is This The Right Fit For You?
This is not for everyone. We work best with individuals who have at least $5
million in liquid assets and are serious about building a retirement income
strategy that will last. If that describes your situation, we would welcome the
opportunity to have a conversation.
This is not for everyone. We work best with individuals who have at least $5 million in liquid assets and are serious about building a retirement income strategy that will last. If that describes your situation, we would welcome the
opportunity to have a conversation.
ACCEPTING CLIENTS WITH A MINIMUM OF $1 MILLION
IN LIQUID ASSETS
ACCEPTING CLIENTS WITH A MINIMUM OF $5 MILLION IN LIQUID ASSETS
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