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 Texas Retirement Planning

McClaran Financial Services

Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter. McClaran Financial Services is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.

Retire with confidence

Our Planning Process

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

01

Start Smart

02

Apply Discipline

03

Communicate Progress

01

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life.

Inflation

Reduction in real purchasing power as the result of increasing cost of living.

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death.

Liquidity

Limited access to assets to meet life’s unexpected financial needs.

Market

Unexpected reduction in the value of financial assets at the time of withdrawal.

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

02

Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Our Services, Your Future

We take the time to thoroughly explore your needs no matter the stage of life you are in to help provide a custom tailored solution that we continue to monitor and adjust until the end of time.

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Explore options to protect your income in the event of a an illness or injury that prevents your ability to work.

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Design an income plan that delivers dependable income and financial security throughout your retirement.

Develop solutions for healthcare expenses not covered by Medicare, a federal health insurance program.

When looking to relocate or downsize within Central and South Texas, we guide the fastest growing market in real estate, clients age 50+.  Services include selling property, buying property, or setting up real estate investment income opportunities. 

03

Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.

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Meet The Advisor

Lynette McClaran

Owner

In 1992 my brother Ross was killed by a hit and run driver, leaving a wife and a young child with nothing, not even enough money for the funeral… because he had not purchased a life insurance policy. I became a licensed insurance agent that same year and became a career agent, vowing to help others avoid this difficult situation. After seeing a huge void in the marketplace, my focus soon turned to health insurance, and after four years in customer service learning the complexities of the business I opened up my own agency in 1998. I share an office with three other agents that currently handle large group and small group employee benefits as well as individual life, health and disability coverages.  In my office I am the expert in all things in the “Senior” market, including Medicare, long term care insurance, and retirement income planning.  We have been in the same quaint and cozy office space on Broadway for over 25 years!

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Complimentary Educational Resources

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Our Upcoming Events

Events in April 2025

  • There are no events scheduled during these dates.

Our Downloads

Navigating Medicare and Medigap Insurance

One of your largest retirement expenses could be your healthcare costs. Unfortunately, the Medicare system can be quite complex. Download this free guide to help you navigate Medicare and Medicap insurance.

Our Blog

Financial Calculators

CalcXML Financial Calculators

PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.

Financial Literacy Videos

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