South Texas Advisors for Retirees, LLC

The firm provides ongoing investment supervisory services and hourly financial planning primarily for individual clients, including retirees and high-net-worth individuals, using client-specific Investment Policy Statements to document income, tax considerations, risk tolerance and time horizon. Services are offered on a discretionary basis and cover a broad set of instruments, including mutual funds, equities, bonds, ETFs, REITs, private placements and insurance products such as annuities.

The firm’s methodology combines charting, fundamental and technical analysis and emphasizes options strategies as a core trading approach, specifically writing uncovered and covered put options and selling covered calls when positions are assigned. It also employs short-term trading techniques, short sales and margin transactions and conducts quarterly account reviews by the sole adviser responsible for each client relationship.

Distinctive features include that the adviser is also a licensed insurance agent and may offer commissionable insurance products, a relationship the brochure discloses as a potential conflict of interest. The firm requires clients to use its recommended custodian (while it does not take custody itself) and delivers a one-time financial plan with additional planning available for a fee, practices that differ from many peers.