FINANCIALLY- FREE
FAITH-FUELED.
LEGACY-FOCUSED.
Discover a Tax-Free Retirement, Eliminate debt and Protect your Legacy: One Strategy at a time
MEET THE TEAM
At Best Financial Partners, We Provide A
Comprehensive Suite Of Services
Designed To Help Individuals And
Business Owners Achieve Their Financial
Goals. Our Approach Is Holistic,
Meaning We Look At Every Aspect Of
Your Financial Life, From Retirement
Planning To Business Optimization,
Ensuring That Everything Works
Together To Build Lasting Security.
PARTNERED WITH
Texas Insurance Connect partners with Best Financial Partners, Best Health Insurance Houston , & Golden Plan Choice to bring Texans smarter coverage, better rates, and stronger financial solutions. Together, we’re helping families and business owners protect what matters most and build a secure future.
Tax Strategies/Retirement/Living Benefits
1
TAX-DEFERRED VEHICLES (401K, IRA, SEP IRA, ETC.)
We help clients roll over tax-deferred accounts, such as 401(k)s or traditional IRAs, into fee-free accounts that don’t participate in the market. This allows you to keep your tax advantages, eliminate ongoing management fees, and preserve more of your returns—so your money works harder for you without extra costs.
2
DEBT ELIMINATION STRATEGIES
Take control of your debt with personalized strategies that simplify payments and reduce high-interest liabilities. our approach ensures you have a clear path to financial freedom and can invest in your future without the burden of debt holding you back.
3
LIVING BENEFITS
Life insurance with living benefits does more than protect your family after you’re gone—it supports you while you’re alive. You can access part of your death benefit if you face a serious illness or critical condition, helping cover medical or living expenses and providing added peace of mind and financial security.
4
INFINITE BANKING
The Infinite Banking Concept (IBC) uses whole life insurance to create your own banking system. You can borrow from your policy’s cash value while it continues to grow, giving you tax advantages, financial control, and flexibility to build wealth and fund future goals.
5
DEFINED BENEFIT PLANS FOR HIGH-INCOME EARNERS
Our defined benefit plans are designed for high-income earners looking to maximize retirement savings. We work with you to create a plan that helps you save more for the future, ensuring you’re set up for a secure retirement
6
TAX-SAVING PLANS FOR INDIVIDUALS & BUSINESS OWNERS
Our tax-saving strategies help reduce your tax liabilities and ensure you’re keeping more of what you earn. We work with individuals and business owners to design tax-efficient strategies that protect your wealth.
BEYOND TRADITIONAL TAX PLANNING
Most CPAs focus on tax compliance, filing returns and keeping you within the lines. But real financial strategy goes beyond compliance. Our proactive tax planning is designed to help you build long-term wealth while minimizing your tax burden. We work with clients to implement advanced strategies such as custom corporate structures (including CLLCs), defined benefit plans, and tax-free retirement planning. These tools are tailored to your unique financial goals and are designed to reduce taxable income, maximize retirement savings, and protect your assets. Let’s move past reactive accounting. Let’s plan forward with strategies that work for you, not just with the IRS.
WHO ARE YOU PLANNING FOR?
Two frameworks that sets us apart:
STEP FRAMEWORK: BUILD, OPTIMIZE, AND EXIT YOUR BUSINESS LIKE A PRO
For entrepreneurs who want their business to fund their dreams, not dictate them. Ask yourself these questions
Does your business fund your dreams or own you? Most owners focus on today’s profits but overlook critical gaps: taxes eroding wealth, weak succession plans, or a business that can’t run without them. The STEP Framework is your end-to-end business growth and exit system.
Structure • Tax Strategy • Exit Planning •Positioning
Our STEP framework takes a holistic approach to business planning. We look at the legal structure, tax strategies, and exit planning to ensure your business is optimized for growth and long-term success. We also focus on positioning your business to maximize value and reduce taxes, giving you a clear path for future generations.
(FOR BUSINESS OWNERS)
S
STRUCTURE
Is your LLC or S-Corp
actually protecting your assets? We’ll audit your legal and financial setup to close loopholes and fuel scalability.
T
TAX STRATEGIES
Stop overpaying the IRS.
From entity optimization to retirement tax havens,
we’ll slash your liability,
putting thousands back
into growth.
E
EXIT PLANNING
Could you walk away
tomorrow and retire well? We’ll build a personal financial plan independent of your business, then align your exit (sale, succession, or stepping
back) to maximize value
P
POSITIONING
Buyers pay premiums for turnkey businesses. We’ll help you document systems, strengthen your team, and boost transferable value, so you exit on top
LEAD FRAMEWORK: YOUR BLUEPRINT FOR FINANCIAL FREEDOM
By working through the LEAD Framework, you'll identify gaps and opportunities, so you can lead your family with clarity, protection, and purpose. Ask yourself these questions
Is your money working as hard as you do? Without a plan, even high earners risk falling short of their goals, retiring later, leaving less for their family, or losing control to debt.
Legacy • Elimination of Debt • Accumulation of Wealth • Distribution of Tax-Free Income
Our LEAD framework helps families protect their
legacy, eliminate debt, and build wealth for future
generations. By focusing on tax-free income
strategies and eliminating liabilities, we create a
plan that ensures financial security for you and
your loved ones.
(FOR FAMILIES)
L
LEGACY
Safeguard what you’ve built with smart tools like life insurance and net worth strategies, ensuring your family’s future is secure, no matter what.
E
ELIMINATIONS
Stop overpaying the IRS.
From entity optimization to retirement tax havens,
we’ll slash your liability,
putting thousands back
into growth.
A
ACCUMULATION
Discover how to
build a
tax-efficient "income
bucket" (401(k)s, IRAs,
IULs) that generates
reliable cash flow, so you retire on your terms.
D
DISTRIBUTION
Master withdrawal
strategies to avoid
outliving your savings.
The 4% rule? We’ll
show you how to beat
it.
BFP UNIVERSITY
Ready to take control of your financial future? Explore the BFP University for in-depth, expert-led video courses on
building wealth, eliminating debt, optimizing taxes, and creating a lasting financial legacy. Learn from seasoned
professionals and gain the confidence to make smarter financial decisions.
LET’S BUILD A STRATEGY THAT PROTECTS YOUR FAMILY, GROWS YOUR WEALTH, AND PASSES YOUR VALUES FORWARD.
FAQ HUB
GOT QUESTIONS? WE'VE GOT ANSWERS. OUR COMPREHENSIVE FAQ SECTION COVERS EVERYTHING FROM FINANCIAL PLANNING AND DEBT REDUCTION TO RETIREMENT STRATEGIES AND TAX
OPTIMIZATION. FIND QUICK, CLEAR EXPLANATIONS TO YOUR MOST PRESSING FINANCIAL QUESTIONS
CURIOUS ABOUT 401(K) PLANS?
¿Tiene curiosidad sobre los planes 401(k)?
CURIOUS ABOUT WHOLE LIFE?
¿Tienes curiosidad sobre el
SEGURO DE VIDA ENTERA?
YOUR BUSINESS. YOUR FAMILY.
YOUR PPO SOLUTION
Best Financial Partners provides premium PPO health coverage and employee benefits for 1099s, LLCs, and ITIN owners. We offer affordable, customized plans with nationwide PPO access, vision, dental, and supplemental options. With quick setup and bilingual support, we simplify benefits for businesses and families of 2 and up.
PROTECTING
YOUR HEALTH,
EMPOWERING
YOUR LIFE
At Best Health, we offer tailored insurance solutions to protect your health and future. Whatever life may bring, we're here to keep you secure and empowered.
WHY CHOOSE
US!
Get to Know Us
At Best Health, we offer personalized health insurance plans that evolve with you. From routine care to unexpected challenges, our personalized plans ensure you and your
loved ones are always protected, so you can focus on what matters most: living your best life.
Our health insurance plans are designed to safeguard you and your family from life's uncertainties. Don’t leave your well-being to chance. Start protecting your health today to
ensure a brighter and healthier tomorrow.
Marketplace aca
1
EXPANDED ACCESS TO INSURANCE
More people can obtain health insurance through
the ACA's subsidies and
expanded Medicaid, reducing the number of
uninsured people.
4
FINANCIAL PROTECTION
More people can obtain health insurance through
the ACA's subsidies and
expanded Medicaid, reducing the number of
uninsured people.
7
AFFORDABLE OPTIONS
The ACA’s Marketplace offer a range of insurance
plans, often with subsidies, making coverage more
affordable for low-
and middle-income
individuals
2
PROTECTION FOR PRE
-EXISTINGCONDITIONS
People can access
preventive
services, such as
screenings and
vaccines, without
out-of-pocket
costs, promoting
early detection and
better health
outcomes.
3
ESSENTIAL HEALTH
BENEFITS
The ACA mandates that all plans cover essential health
benefits like preventive care, mental health
services, and prescription drugs, providing
comprehensive healthcare options.
5
PROTECTION FOR PRE
-EXISTINGCONDITIONS
Individuals with pre-existing
medical conditions can no longer be denied coverage
or charged higher
premiums, ensuring they have access to necessary care.
6
YOUNG ADULT
COVERAGE
The ACA mandates that all plans cover essential health
benefits like preventive care, mental health
services, and prescription drugs, providing
comprehensive healthcare options.
MEDICARE 65 OR TURNING 65
YOUR
HEALTH,
YOUR
CHOICE
MEDICARE HAS TWO KEY ENROLLMENT PERIODS EACH YEAR. THE ANNUAL ENROLLMENT PERIOD (AEP) RUNS FROM OCTOBER 15 TO DECEMBER 7, WHEN YOU CAN REVIEW OR CHANGE YOUR MEDICARE ADVANTAGE (PART C) OR PART D PLAN FOR THE NEW YEAR. THE MEDICARE ADVANTAGE OPEN ENROLLMENT PERIOD (MA OEP) RUNS FROM JANUARY 1 TO MARCH 31, ALLOWING THOSE ALREADY IN A MEDICARE ADVANTAGE PLAN TO SWITCH PLANS OR RETURN TO ORIGINAL MEDICARE. KNOWING THESE DATES HELPS ENSURE YOUR COVERAGE FITS YOUR CURRENT HEALTH AND BUDGET NEEDS.FROM
GET HELP AT NO COST TO YOU.
CONTACT me today to feel confident bout your coverage.
1. Decide whether you want Original Medicare or Medicare Advantage
1
ORIGINAL MEDICARE
Part A: Hospital Insurance
-
Hospital stays
Specialized nursing centers
Palliative care
Some home health care
You can enroll in Medicare Part A when you turn 65. If you are already receiving Social Security disability benefits, you will be automatically enrolled in Part A.
2
ORIGINAL MEDICARE
Part B: Medical Insurance
-
Hospital stays
Specialized nursing centers
Palliative care
Some home health care
Medicare pays 80% of approved costs and you pay approximately 20%. Part B is optional because you have to pay a monthly premium and meet a deductible before Medicare pays for benefits.
3
MEDICARE ADVANTAGE
Part A:
Hospital
Part B:
Medical
Part C:
Prescript-
ions
-
Combines Original Medicare, Part A and Part B, into one plan
usually includes medicare part d prescription drug coverage
may include additional programs and services not offered by original medicare
These Plans Are Part Of The Government's Medicare Program, But They Are Offered And Managed Through Private Insurers, Such As Cigna Healthcare, And May Offer Plan Extras Not Found In Original Medicare. To Enroll, You Must Be Enrolled In Medicare Part A And Part B.
2. If you choose Original Medicare, decide whether you need to add supplemental coverage.
SKIP THIS STEP IF YOU CHOOSE MEDICARE ADVANTAGE: MEDICARE SUPPLEMENT DOES NOT WORK WITH MEDICARE ADVANTAGE PLANS (PART C).
MEDICARE SUPPLEMENT PLAN
-
Helps pay for some healthcare costs (copayments, coinsurance, and deductibles) that Original Medicare does not cover.
-
Works with Original Medicare (Part A and Part B) and Medicare Part D prescription drug plans, but not with Medicare Advantage plans (Part C).
-
Offers nationwide coverage with no network restrictions.
A Medicare supplement policy (also known as Medigap) is private health insurance that supplements Original Medicare. It helps pay for approximately 20% of Medicare expenses that Original Medicare does not cover, once the Part B deductible has been met.
3. Decide if you need to add prescription drug coverage
ORIGINAL MEDICARE
OR MEDICARE ADVANTAGE
PART D: PRESCRIPTION DRUG COVERAGE
-
Helps reduce prescription drug costs
-
All Part D plans must offer at least a standard level of coverage established by Medicare
-
Some Medicare Advantage plans include prescription drug coverage
Part D plans are part of the government Medicare program, but they are offered and managed through licensed private insurers, such as Cigna Healthcare. Enrollment in a Part D plan is not automatic. You must select and enroll in a plan.
CAN I STILL HAVE
MEDICARE WITH PRIMARY COVERAGE?
-
Although health insurance is not mandatory in the state of Texas, it is a very beneficial form of insurance that can help you save hundreds on your healthcare each year. With this in mind, it's no wonder so many people seek healthcare coverage.
-
If you currently have what is known as ‘Primary Coverage’ through your employer or your spouse's employer and wish to keep it, you can do so. However, you will need to check that your current insurance provider meets coverage standards.
-
Keeping your primary coverage allows you to waive Part B of your Medicare plan and retain the other benefits of coverage. This will not affect your Social Security status, but it could have some drawbacks later on.
-
If you eventually decide to opt into Medicare Part B, you will most likely have to pay a higher premium to do so. This is just one of the many things to consider when choosing your Medicare plan.
-
Although Medicare is usually reserved for people over the age of 65, it is never too early to start planning for your future. If you would like to learn more about Medicare and how it can help you cover the cost of your healthcare,
Not affiliated with the U.S. government or federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
REAL CLIENT STORIES...
Our Journey
LONE STAR INSURANCE CONNECT specializes in life insurance and health coverage, ensuring financial stability for you and your loved ones. Our expert team offers personalized plans that maintain their value while providing essential living benefits and tax-free retirement solutions.
Our mission is to empower individuals with financial independence and security through practical strategies, comprehensive life insurance, and dedicated health insurance options tailored to meet specific needs. Trust us to guide you through your insurance journey.