Multi Generation Family Running On Winter Beach


Thanks to new prescription drugs and medical technology, people are living longer than ever before. However, one drawback to a longer life is the greater possibility of outliving your savings – creating all the more reason to develop a retirement income plan designed to last a longer lifetime.

A significant investment loss in the years just prior to and/or just after you retire can have a devastating impact on the level of income you receive over the course of your life. In fact, the earlier a loss occurs, the greater the chance of depleting your retirement savings.

We can help you design a comprehensive income plan incorporating insurance and investment vehicles to create opportunities for long-term growth as well as guarantee income throughout your retirement. This income plan is designed to withstand a volatile stock market as well as a decrease in economic activity.


In the US, we have entered an environment of rising taxes. That’s why it’s important now, more than ever before, to incorporate tax planning into your portfolio and all of your financial decisions.

Investing in a tax-deferred vehicle means your money will compound interest for years, unfettered by income taxes, allowing it to earn interest at a faster rate. While very few investments avoid taxes altogether, many allow you to defer paying them until retirement – when you may be in a lower tax bracket.

Senior couple in love walking at the beach holding hands in a romantic sunny day - Concept of love and family union

Back view of senior man holding adorable baby girl in his arms over a nature background. Two different generations concept.


Estate planning is simply determining (while you’re still alive) where your assets should go after you die. Without a properly structured estate plan, your wishes may not be fulfilled, and your loved ones could be hurt both emotionally and financially.

While the concept is simple, the vehicles, planning and implementation process can be rather complex. Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis.


One of the things that separates Acute Financial from the rest of the financial planning world is the exclusive access to Texas’ premier private lending company, Noble Capital. Clients of Acute Financial often take part in Noble Capital’s Private Lender Network (PLN.) This is an informal group of high-net-worth private individuals who participate in funding first lien mortgage loans originated and serviced by Noble Capital.

Individuals are attracted to the PLN for various reasons: Noble Capital’s lenders earn 7-9% interest paid monthly. Noble Capital is geographically focused on property located in Texas. The target LTV (loan-to-value) ratios are 55-70%. And lastly, Noble Capital’s team is highly knowledgeable in the private mortgage lending business also referred to as “Hard Money Lending.” The company has originated loans since 2002. This experience has made Noble Capital an industry leader in this capacity.

Loving couple looking at their dream house