Business Details
Your Trusted Partner for Insurance and Retirement Planning Solutions
Tri-Tex Insurance Agency is an independent insurance firm dedicated to helping clients navigate retirement planning and personal risk management. We specialize in health insurance, life insurance, and annuities, offering tailored solutions to meet individual needs. Our team collaborates with attorneys, CPAs, and other professionals to ensure comprehensive financial strategies. With decades of combined experience, we prioritize client education and proactive planning to address market risks, longevity concerns, and long-term care needs. Our mission is to empower clients with knowledge and tools to secure their financial futures while maintaining transparency and ethical standards. 
Services
Retirement Planning
Health Insurance
Life Insurance
Annuities
Long-Term Care Planning
Social Security Optimization
Insurance Reviews
Veterans Benefits
Medicare Health Plans
Estate Planning
Highlights and features
- We offer over 25 years of experience in retirement and risk management planning.
- Our team collaborates with legal and financial professionals for holistic solutions.
- We provide free veterans benefits consultations as a service to former military members.
- We prioritize client education through financial courses and personalized strategy reviews.
- Our approach includes leveraging annuities and long-term care insurance to mitigate longevity risks.
Services
Retirement Planning
Our retirement planning service helps clients build secure financial futures by addressing market risks, withdrawal rate risks, and longevity concerns. We create customized strategies using annuities, life insurance, and investment vehicles to ensure sustainable income streams. Our approach emphasizes tax-efficient solutions and annual reviews to adapt to changing life circumstances.
Long-Term Care Planning
We specialize in long-term care planning to address the financial burden of extended healthcare needs. Our solutions include private insurance, asset-based LTC coverage, and life-insurance-linked policies. We educate clients on government benefits and help implement strategies to protect assets while ensuring access to quality care facilities.
Annuities
Our annuity services focus on providing guaranteed lifetime income through fixed, indexed, and immediate annuity products. We help clients execute 401(k)/IRA rollovers and implement lifetime income riders. Our partnerships with highly rated carriers ensure safe growth and reliable distribution strategies for retirement income stability.
Social Security Optimization
We educate clients on maximizing Social Security benefits through strategic filing decisions. Our analysis includes delayed filing advantages, spousal benefits, and tax implications. We provide personalized projections to help clients coordinate Social Security income with other retirement assets for optimal cash flow.
Veterans Benefits
Our veterans benefits service educates former military members on long-term care benefits from the Department of Veterans Affairs. We connect clients with accredited elder law attorneys and assist with application processes. This service includes free consultations to honor veterans' service while addressing their unique financial and healthcare planning needs.
People
Rick Hood
General Manager
Rick Hood, a third-generation Texan, has specialized in retirement and long-term care planning since 1995. He leads Tri-Tex Insurance Agency's strategic partnerships with legal and financial professionals while providing personalized asset preservation strategies for San Antonio families.
Robin Patnode
Operations Manager
Robin Patnode brings 18+ years of insurance experience to her role, managing client communications and policyholder services. Her background in real estate and financial industry heritage inform her approach to creating customized, flexible retirement plans for clients.
Preston Hood
IT Consultant
Preston Hood oversees Tri-Tex's data security and systems integration. As an IT service provider and college student pursuing network administration certifications, he ensures regulatory compliance and technological efficiency for the agency's operations.
Theresa Hood
Client Services Liaison
Theresa Hood, a licensed vocational nurse, serves as the agency's long-term care expert. With healthcare industry experience since 1995, she assists clients with senior living options and coordinates eldercare services through her professional network.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement planning including market risk mitigation, income strategies, tax planning, and estate management tailored to individual risk tolerances and financial goals.
Do you specialize in veterans' benefits planning?
Yes, we offer free consultations to veterans on VA long-term care benefits and coordinate with elder law attorneys to implement Medicaid and veterans benefits strategies.
How do you handle long-term care planning?
We offer private LTC insurance, asset-based solutions, and life-insurance-linked LTC policies to address healthcare costs while protecting client assets.
Can you help optimize Social Security benefits?
Yes, we analyze filing strategies to maximize Social Security income through delayed claiming, spousal benefits coordination, and tax-efficient distribution planning.
What insurance reviews involve?
Our annual insurance reviews assess policy performance, update coverage needs based on life changes, and ensure alignment with evolving retirement goals and market conditions.
Do you work with other financial professionals?
We collaborate with CPAs, attorneys, and financial planners to provide integrated solutions for tax reduction, estate planning, and wealth preservation.
