Stivers Wealth Management

The firm applies a financial planning-first methodology, building portfolios around a client's retirement income timeline rather than market benchmarks. Stivers typically uses mutual fund and ETF-based asset allocation models calibrated to each household's required withdrawal rate and longevity assumptions. The investment committee also integrates insurance products where guaranteed income streams or principal protection align with the plan's stated objectives.

Stivers functions as a hybrid practice, maintaining both registered investment adviser status for fee-based advisory accounts and broker-dealer registration for commissionable securities and insurance transactions. This dual structure allows advisors to choose the compensation model that fits each client engagement. Many retiree-focused plans include a mix of advisory portfolios and fixed insurance products, which the hybrid platform can accommodate without external referrals.

The firm serves individual retirees, pre-retirees, professionals, and small business owners, concentrated in the Dallas-Fort Worth region. Corporate retirement plan sponsors also form a segment of the client base, with Stivers providing plan consulting and participant education. The typical client engagement centers on converting retirement savings into sustainable income, managing sequence-of-returns risk, and coordinating estate documents with account titling and beneficiary designations.

Stivers evaluates insurance as a planning tool — not a standalone product sale — within the broader retirement income strategy. The firm's hybrid registration lets it place fixed annuities, long-term care policies, and life insurance contracts directly when analysis shows a quantifiable need for guaranteed income or risk transfer. Any insurance placement is documented within the client's financial plan, connecting product features to specific planning gaps such as longevity risk or healthcare cost exposure.

Stivers is headquartered in Dallas and draws its client base predominantly from Texas, with a concentration in the Dallas-Fort Worth metroplex. The firm conducts in-person planning meetings at its Dallas office and can accommodate clients across the state through a combination of office visits and virtual reviews. The regional footprint reflects the firm's business development through local professional networks and community relationships.