Who needs a Planning With A Parachute strategy?
We specialize in helping two specific groups of people protect their financial future.
Pre-Retirees (Ages 50-65)
You've built a nest egg and now you're approaching the "Red Zone" of retirement. Your focus is shifting from accumulation to preservation and income.
- Protect 401k/IRA from market crashes
- Convert assets into lifetime income
- Reduce tax liability in retirement
Young Families
Whether young adults with kids or those with a net worth of $1M+, we can help you protect what you've built. You want to ensure your family is protected no matter what happens.
- Replace income if the unthinkable happens
- Lock in low rates while you are young and healthy
- Cash value accumulation strategies
Is Your Nest Egg
At Risk?
Traditional retirement plans are vulnerable to hidden threats. Don't let a market downturn or invisible fees wipe out decades of hard work.
A typical market correction can cost you 10-35% of your portfolio value right when you need it most, with no guarantee of recovery time.
With longer life expectancies, the fear of running out of money is real. Standard 401(k)s do not guarantee income for the rest of your life.
Management fees, transaction costs, and admin fees can silently eat away up tens of thousands of your potential returns over time. For someone to just place you in a cookie-cutter plan gets us angry.
John Ferguson
Strategic Planner
Franklin Bice
Founder
45+
Years Experience
Who We Are
The Retirement and Investment Council
The Retirement and Investment Council has been helping people since 1979 in eight states with their finances and peace of mind. Starting in Andrews, TX with teachers of the local independent school district, we grew to encompass three time zones with 430 agents all working with your best interests in mind.
Unlike the "other guys" who slot you into a pre-made portfolio and meet you once a year, we believe in custom, one-of-one plans. We don't have business hours because life doesn't happen 9-to-5. We love what we do: being the go-to for whatever life throws your way.
How We Get Paid
We hate fees as much as you do. You never pay us a dime. The insurance companies pay us a commission, so 100% of your money goes to work for you.
A Complete Strategy for
True Peace of Mind.
We don't chase trends. We build custom "Retirement Parachutes" using proven financial vehicles designed for safety, growth, and tax efficiency.
Comprehensive strategies to transition you from working years to golden years without the stress.
Strategies that guarantee a paycheck for life, ensuring you never run out of money. Think of a pension plan, the check comes 'hell or high water'.
We use Index Annuities and life insurance strategies to build a fortress around your wealth, locking in gains annually and protecting you from losses.
Unlike the 'other guys', we create one-of-one plans for every scenario. Protecting your loved ones with customized solutions.
Market Goes Up
+15% Gain (You Participate)
Market Crashes
0% Loss (Your Principal is Safe)
Retirement Income
Guaranteed for Life
Upside Potential. Zero Downside Risk.
We use Index Annuities and Indexed Universal Life (IUL) strategies to build a fortress around your wealth. Unlike traditional 401(k)s, these plans lock In your gains annually and protecting you from market losses.
- Participate in market growth up to a cap.
- Never lose a penny of principal due to market crashes.
- Tax-advantaged growth and income.
- No fees directly from your pocket.
A Simple Path to Certainty
You don't need another complex product. You need a clear plan.
Schedule Your Review
Book a complimentary 'Retirement Parachute Review' session. We'll discuss your goals, assets, and concerns.
Get Your Custom Plan
We design a personalized strategy showing exactly how to protect your income and lock in gains.
Retire with Confidence
Implement your plan and enjoy a retirement free from market worry, with ongoing support from our team.
Stories from Texas Families
We don't measure success by charts. We measure it by the peace of mind of our clients.
"Franklin met with my husband before he started a new job as a lineman... in 1981. A week after the life insurance was started, my husband was electrocuted and passed away. Franklin took care of everything and helped me invest the money so that I could stay home with my young kids. That was 44 years ago, and Franklin is still helping me at every turn."
Amanda
Andrews, TX
"I met with Frank and John and I and they put together a plan for me to retire at 62. 62! They helped me have confidence in my finances... I call John probably more than I should but when I have a question, he works until he has the answer. I didn't know my past advisors well, but my husband and I consider Frank and John true friends."
Kim
Fort Worth, TX
"Franklin and John presented a clear path for me that took my finances to another level and out of harm's way. Five years in and I haven't paid a dime. They are the ones who reach out and set up the meetings on my timetable... They help me outside of finances too... They are the do-it-all team!"
Kurtis
Midlothian, TX
"I wanted to retire early and my old advisor said that it couldn't be done. Franklin and John put together a plan with methods I had never heard of that allowed me to punch my ticket at 56. Giving me years of my life back is life-changing, and I am grateful for their guidance."
Randy
Dallas, TX
Ready to Land Safely?
Don't leave your retirement to chance. Schedule a free, no-obligation strategy session with Franklin or John today. We'll review your current plan and show you how to lock in gains and eliminate risk.
Call Us
(682) 225-6292Always Available
"We don't have business hours because you don't."
Answering questions from when we wake up to when we go to bed.