Discover how to develop a financial strategy for your future.

Retirement Income Strategies

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Wealth Accumulation

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Estate Planning

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Tax Planning

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Retirement Planning

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Charitable Planning

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Insurance Planning

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Your insurance professional and Investment Adviser Representative is not permitted to offer, and no statement contained herein shall constitute, tax, legal or investment advice.

To develop a financial strategy for your future, it’s important for your financial professional to see a complete, 360-degree view of your financial picture, including how your retirement assets are integrated and work with one another. Our financial strategies and asset management services use insurance products, such as annuities, to help you meet financial goals. We can work in concert with tax professionals or attorneys in your or our network to advise you on specific aspects of your financial strategy.

Retirement Income Strategies

Retirement income strategies are not just for the wealthy. As retirement nears, the traditional strategy has been to move growth-seeking products to more conservative, fixed-income products.  According to a recent study, for a married couple age 65 there is now a 50 percent chance that at least one spouse will live to age 94.1 This means that you may need to plan for your retirement savings to potentially last 25 to 30 years.

One drawback to a longer life is the greater possibility of outliving your savings — creating all the more reason to develop a retirement income strategy designed to last a longer lifetime. Sixty-one percent of Americans surveyed said they were more afraid of outliving their assets than they were of dying.2

A significant loss in the years just prior to and/or just after you retire could negatively impact the level of income you receive over the course of your life.  In fact, if a loss occurs earlier in life, there is also the chance that you may have more time to recover (versus a loss occurring later in retirement).  Why?  Simply because a smaller pool of assets is left to sustain you throughout your retirement years and your assets may not have as much time to recover.

Wealth Accumulation

You may be able to use time to your advantage when investing for wealth accumulation.

The longer you invest, the more potential your money has to compound interest. If your portfolio has not fully recovered from losses in recent years, you may wish to consider a more aggressive allocation to make up for lost ground and get back on track to accumulating wealth.

However, with fluctuations in the stock market, it is important to remember that more conservative retirement strategies typically have only a portion of the assets invested in the stock market. Allocations can be set aside for more conservative investments and/or secured* income contracts such as annuities. Annuities are long-term vehicles designed to generate supplemental income during retirement. They have minimum guarantees backed by the strength and claims-paying ability of the issuing insurance company. After all, the last thing you want to do is lose more ground during the next market correction.

* Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing carrier.

Asset Protection

Because the market does not provide security, you may want your financial strategies to include some guaranteed* income products. For example, annuities, which are insurance products with guarantees*, can provide a source of supplemental income throughout your retirement.

Twenty-first century asset protection calls for more than just strategic asset allocation. Including products like annuities in your retirement income strategy can help protect* your money from declines due to market losses.

Diversifying your retirement assets among a variety of vehicles — both through insurance products and investments depending on what is appropriate for your situation — may offer you the best chance of meeting your retirement income goals throughout your lifespan.

*Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. 

Estate Planning

We can refer you to professionals to help meet your individual needs.

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 there may be unintended consequences for your loved ones.

While the concept is simple, the vehicles, planning and implementation process can be rather complex. Because of the estate tax laws and the 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.

Tax Planning

Tax planning is an important part of good financial planning. All of us are subject to federal income taxes and depending on where you live, state and local income taxes. Depending on the level of your financial success, you may also be subject to federal gift and estate taxes. Our team of tax professionals is here to work with you and your tax advisor to develop and implement strategies to mitigate the negative effects of taxes on your financial plan. If you do not have a tax advisor, we will assist you in finding an appropriate professional.

Retirement Planning

At some point, most of us will want to retire, meaning not working any longer for a wage. The keys to a successful retirement is to develop, implement, and monitor a plan to help you reach your goals.

There are many facets to a well-developed retirement plan, but the most important element is to begin saving as early as possible. You may not become wealthy, but you can develop a plan to provide a comfortable lifestyle when you decide “it’s time to quit.”

Your plan must include a well-thought-out investment plan. Our investment philosophy uses academic science to develop an investment portfolio that will carry you through the long term. We also serve as your “coach”, keeping you disciplined so that the news headlines don’t distract you from the long term. 

To borrow a phrase from a well-respected book, we help you keep “your eyes on the prize.”

We also help you develop and implement appropriate retirement plan protection strategies so that all you worked for is not threatened by unexpected events.

Charitable Planning

Many people want to support institutions (house of worship, alma mater) and causes (March of Dimes, ASPCA) that have been important in the course of their lives. This support may occur during working years or after retirement, and for some even after death. We are here to help you develop a charitable giving plan. Since these plans invariably involve legal and tax implications, we will work in concert with your legal and tax advisors in the implementation of your plan.

Insurance Planning

For many people, insurance planning represents the foundation of a good financial plan. There are various types of insurance products that are critical to your plan:

  • Life insurance
  • Health insurance
  • Disability income insurance
  • Long-term care insurance

Each of these levels of protection help keep your plan on track. They may be needed for all or a part of your financial life. We are here to help you develop and as needed, implement an insurance plan specifically designed for your needs. We may also provide an independent assessment of your current insurance coverage and make appropriate recommendations to strengthen your program.

"We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives."

Retirement Planning

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Insurance Planning

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Maria Deresciuc

Maria Deresciuc is the administrative assistant at Signature Financial Advisors.

She started in the company and industry in the beginning December 2021. Maria graduated from the Technical University of Moldova with Bachelor’s in Technology and Management of Food Industry.

In her free time, Maria enjoys traveling, cooking, working out, and spending time with her family and her dog, Mozart.

Her life motto is: “When you think like giving up, just remember why you started”.

Hector Castellanos

Hector Castellanos is an associate advisor with Signature Financial Advisors.  Hector’s primary focus is helping business owners achieve their financial goals through planning and preparation.  He has more than 15 years experience in the financial industry, primarily working in Business Banking and Commercial Lending.

Hector has earned his Investment Advisory license and holds insurance licenses in Texas and Colorado.    Hector is a graduate from Colorado State University where he earned his Bachelor of Science degree in Psychology and Bachelor of Arts degree in Sociology.  

Hector lives in Houston, Texas with his wife Julia and daughter Mackenzie.  He enjoys playing sports and attending sporting events.  Hector also enjoys coaching his daughter’s soccer team and relaxing with friends while drinking a nice Malbec.     

Sydnee Rose Miller

Hi, my name is Sydnee Rose Miller. I was born in the Midwest on Aug. 18, 2009.

My new mom, Liebe Ostrow Miller, picked me out of thousands of new pups. I now guard the new office of Signature Financial Advisors.

I’m very affectionate and look forward to meeting you. (Please bring doggie treats!) I’m also very happy to have a yard of my own here at the office.


Vanessa Aguilar

Vanessa Aguilar is the Senior Client Relationship Manager at Signature Financial Advisors. She got her start in the industry in 2015 and enjoys communicating with clients and helping to reduce the financial pressure they may be experiencing. Vanessa holds life, accident and health licenses. She graduated from the University of Houston-Downtown with a Bachelor of Arts in Finance.

In her free time, Vanessa enjoys working out, exploring nature, spending time with family and reading.Se


A partner at Signature Financial Advisors, Tom McGuinness is a certified public accountant (CPA) and certified valuation analyst (CVA). Tom’s goal is to help every client identify ways to simplify their financial lives, achieve their goals and avoid obstacles.

Tom began his accounting/consulting career in 1982 and his areas of practice include:

• Business tax compliance and strategy
• Individual tax compliance and strategy
• Tax controversy
• Business consulting
• Business valuation
• Physician-side healthcare consulting

Tom has been a licensed CPA since 1983 and received his CVA designation in 1999. He is a member of the American Institute of Certified Public Accountants, the Texas Society of Certified Public Accountants and the Houston Chapter of the TSCPA. In addition, he serves as adjunct professor of practice management at the University of Texas Health Science Center in Houston. Tom is also a founding member and past president of the National CPA Healthcare Advisors Association. He graduated from the University of Houston with a B.A. degree in accounting in 1981.

Tom and his wife Renee have five children between them along with four grandchildren. In his free time, Tom enjoys his grandkids, golf, hunting, fishing, ranching, and travel.

Randy Reimer, CPA, CFP®

As a partner at Signature Financial Advisors, Randy Reimer is focused on helping individuals and businesses with tax and financial planning, including business acquisition and disposition, strategic planning and consulting.

Randy got his start in the industry in 1982, primarily helping the clients of CPA firms with tax compliance and preparation. In 2007, he decided to pursue the CFP® designation to better serve clients in other areas of their financial life, including long-term savings and investments, insurance and estate planning.

He specializes in:

• Tax compliance and planning for business owners and individuals
• Financial planning for business owners and individuals
• Succession planning

Randy is a Certified Public Accountant (CPA) and Certified Financial Planner (CFP®) practitioner. He is affiliated with the American Institute of Certified Public Accountants, the Texas Society of Certified Public Accountants, the Houston Chapter of CPAs and the Certified Financial Planner Board of Standards. He graduated from Sam Houston State University and completed the Certified Financial Planner® Certified Education Program at Rice University, Glasscock School of Continuing Studies.

Randy has been interviewed on Houston’s KTRH Newsradio (740 AM) with Matt Patrick and on Texas Business Radio. In addition, Randy was featured in a tax-planning article that appeared in an International Resource Group newsletter. Randy has been married to Kimberli since 1980, and they have two daughters and two granddaughters. In his free time, Randy enjoys golf, traveling and spending time with his grandkids.

Samuel A. Dodson, CPA, MST

James Rush, CFP®, CRPC®

James Rush is a partner at Signature Financial Advisors. He has more than 20 years experience in the wealth management, financial planning and insurance industries.

He specializes in the following areas:
• Tax Planning
• Income Planning
• VA Pension Benefits
• Wealth Management

James holds his insurance license in Texas and has earned his securities and investment advisory licenses. He is a Certified Financial Planner practitioner, a National Futures and Commodities Agent, and a Chartered Retirement Planning Counselor. James earned a bachelor’s degree in business from the University of Houston and was once a vice president of one of Houston’s leading banks. In addition to his work at Signature Financial Advisors, James advises veterans and their families on eligibility for the Department of Veterans Affairs pension benefits. These benefits are crucial in helping families cope with rising costs of assisted living and memory care services.

James is a frequent guest speaker for local Fortune 500 companies and nonprofit organizations on many topics, including retirement and income planning. He is Founder of Veteran Care Advisors of Texas.

Liebe Miller, CLU, CSA