Wood Family Group is a full-service retirement and financial planning firm headquarted in Brentwood, TN. Our mission is to create results-driven retirement and financial plans that protect, grow and transfer all that you have worked so hard to achieve.

Financial Planning


Every day we face challenges managing our finances. Stock market swings, fluctuating interest rates, taxes, debt and inflation – the effects can be unsettling.

We can help you achieve your financial goals and will give you the guidance to:

  • Save for retirement.
  • Generate retirement income.
  • Minimize your tax burden.
  • Determine proper insurance coverage.
  • Help you develop strategies to manage your financial future.
  • Offer personalized programs to help you achieve your unique goals.

Retirement Planning


Baby Boomers are redefining age and retirement. Realizing the retirement of your dreams starts with your own personalized definition as well as a focused plan.

When creating your definition of retirement, take some time to imagine what your dream lifestyle would be like. Then, consider these simple questions:

  • Where will you live?
  • What will you do?
  • What activities will you participate in?
  • Will you have enough income to maintain or elevate your current lifestyle?
  • What can you do now to better position yourself for a successful retirement?

How do you define a successful retirement? Planning and thinking ahead can lead to a very active, satisfying life in your later years. Wood Family Financial, can help get you there.

Lifetime Income


Protecting your hard-earned assets in perhaps the most volatile era in generations can be easier than you think. And there may not be a more important time than now to safeguard all that you’ve worked so hard to achieve.

Choosing the right fixed-index annuity can provide the best of both worlds – security and results. Wood Family Financial has an in-depth portfolio of the most competitive, guaranteed and safe annuity products available to the general public today.

Annuities, like everything else, are continuously evolving. The features and benefits of a fixed-index annuity today compared to even a few years ago are as different as the comparison between an apple and an orange. One of the biggest innovations of modern indexed annuities is the ability to custom design and deliver an annuity that perfectly matches the individual needs of the client.

IRA Solutions


A traditional Individual Retirement Account (IRA) is a personal tax-deferred retirement plan established for those who receive compensation or earned income from employment, those who are divorced or separated and receive taxable alimony or maintenance payments and have not reached the age of 70 ½. IRAs were created to provide individuals with the opportunity to build their own tax-deferred retirement savings program.

One of the downsides of IRAs is that every year, millions of Americans are forced to take a Required Minimum Distribution (RMD) from their IRAs and qualified plans starting at age 70½. This RMD, drastically decreases the amount that will be left for their beneficiaries after they’re gone.

Wood Family Financial, has a broad portfolio of IRA/RMD solutions that can give you the freedom to withdraw your RMD each year and still be guaranteed to leave at least 100% of the original premium as a death benefit through the age of 88, regardless of market conditions.

Life Insurance


Life insurance has many uses, but one size does not fit all. Almost all insurance companies have now updated their life expectancy tables to reflect the fact that we are now living longer. If a person has life insurance and the policy is more than 2 years old, they should absolutely have their policy reviewed by a knowledgeable insurance professional. Assuming that the applicant still has their health, there is a very good chance they may be able to dramatically increase the amount of coverage they have at no additional cost, or simply lower their cost of their current coverage.

Here are just some of the reasons you should consider life insurance:

  • Help replace your income and provide financial security for your dependents.
  • Help pay final expenses.
  • Create an inheritance for your heirs.
  • Help pay federal, state, inheritance, and estate taxes.
  • Make significant charitable contributions.

Wealth Transfer


There are few things more important to successfully transferring wealth than solid financial planning. The failure to plan a tax-efficient wealth transfer can greatly diminish the amount of wealth that ultimately reaches the next generation. With so much focus on building an effective retirement plan, creating an equally effective plan for transferring hard-earned assets can unfortunately be an afterthought.

Here are some key points to consider when planning a tax-efficient wealth transfer:

  • Be proactive and start planning early. Planning needs to start many months, if not years, before the ultimate transfer.
  • Involve family members in the process. The passing of a loved one is challenging enough without having to sort through the complex problems of a poorly planned estate.
  • Find an experienced and trusted advisor.
  • Explore the various options available and decide what is best for you and your heirs.
  • Develop a charitable giving plan and an estate plan.

Long-Term Care


According to the Federal Government, over 60% of senior citizens will experience the need for long-term healthcare at some point in their lives.

Unfortunately, the vast majority of seniors have no protection from this very legitimate threat. Some cannot qualify due to poor health, some assume the government will take care of them, some cannot afford the premiums and others are simply in denial of the potential disaster of a long-term care situation.

The need for coverage is real. However, there are some very valid reasons why seniors avoid obtaining conventional long-term care coverage.

For those without long-term care coverage, there is good news. Over the last few years, there have been some highly innovative solutions developed that can help individuals protect themselves at very affordable costs. At the very least, we strongly encourage you to explore your coverage options.

Managed Money


At Wood Family Financial we have chosen to work closely with wealth money managers that believe in being opportunistic in good times and defensive in bad times.

Meet the registered investment advisor firm we’ve chosen to give you the fiduciary level of service you deserve: Horter Investment Management, LLC – A Foundation for Success

Horter Investment Management’s goal is to design a portfolio that is low-risk/low-volatility. They help retirees secure a better retirement by ensuring your individual needs remain the top concern. Also, they have been a leader in the financial services industry for over 29 years.

Want to learn more? Click on the video from their founder, Drew Horter.

Your Future Starts Today!

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