BTO Financial Group
ABOUT US
At BTO Financial Group, we believe financial decisions should be made with clarity—not pressure.
Our work is centered on education-based guidance, helping individuals and families understand how different financial planning tools fit together over time. Rather than leading with products, we start with questions: life stage, responsibilities, goals, and risks. From there, we focus on helping people make informed, thoughtful decisions that support long-term stability.
Financial planning is rarely one-size-fits-all. Pensions, retirement accounts, personal savings, and insurance-based strategies each play different roles depending on the situation. Our approach is designed to help clients see how these pieces interact—so choices are made with intention, not confusion.
At BTO Financial Group, we believe financial decisions should be made with clarity—not pressure.
Our work is centered on education-based guidance, helping individuals and families understand how different financial planning tools fit together over time. Rather than leading with products, we start with questions: life stage, responsibilities, goals, and risks. From there, we focus on helping people make informed, thoughtful decisions that support long-term stability.
Financial planning is rarely one-size-fits-all. Pensions, retirement accounts, personal savings, and insurance-based strategies each play different roles depending on the situation. Our approach is designed to help clients see how these pieces interact—so choices are made with intention, not confusion.
Our Philosophy:
Education First
We focus on clarity over complexity. That means breaking down financial concepts into practical, real-world terms, discussing both benefits and trade-offs, and avoiding one-size-fits-all recommendations. Planning decisions affect families for decades, so they deserve more than surface-level explanations.
Our philosophy also recognizes that financial planning happens in real life—not in ideal scenarios. Careers change. Health changes. Markets shift. Retirement timing isn’t always perfect. Effective planning accounts for uncertainty and helps people prepare for a range of outcomes, not just the best-case illustration.
Who We Serve:
We work with individuals and families navigating important planning moments, including:
Retirement and pre-retirement transitions
Pension and supplemental planning (including educator-focused planning)
Family protection and legacy considerations
Final expense and end-of-life preparation
Mortgage Protection
Tax Advantages
The TEAM
Our Philosophy:
Education First
We focus on clarity over complexity. That means breaking down financial concepts into practical, real-world terms, discussing both benefits and trade-offs, and avoiding one-size-fits-all recommendations. Planning decisions affect families for decades, so they deserve more than surface-level explanations.
Our philosophy also recognizes that financial planning happens in real life—not in ideal scenarios. Careers change. Health changes. Markets shift. Retirement timing isn’t always perfect. Effective planning accounts for uncertainty and helps people prepare for a range of outcomes, not just the best-case illustration.
Who We Serve:
We work with individuals and families navigating important planning moments, including:
Retirement and pre-retirement transitions
Pension and supplemental planning (including educator-focused planning)
Family protection and legacy considerations
Final expense and end-of-life preparation
Mortgage Protection
Tax Advantages
The TEAM
Experienced Guidance for Retirement Planning Decisions
Our team focuses on education, clarity, and transparency when discussing insurance-based financial planning strategies with a focus on retirement. We take the time to explain options, answer questions, and support informed decision-making—without pressure or promises.
Still Have Questions?
We have the Answers!
Contact
19220 Space Center BLVD, Houston Texas 77058
Texas +1 346-584-2454
North Carolina +1 984-464-8511
Virginia +1 571-946-1553
Providing education-focused guidance to help individuals and families make informed insurance and retirement planning decisions.
Our Social Media Sites will be live in Feb 2026
Business Hours
Mon - Sat : 9AM - 4PM
Sunday: 9AM - 4PM
© BTO Financial Group. 2026. All Rights Reserved.