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McLemore Financial Group

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United States
Stephenville, TX
McLemore Financial Group

We strive to serve our clients during the financial planning process through deep and meaningful relationships that last for generations.

At the McLemore Financial Group, we do three things for clients and expect one in return. We help clients seek to:
-Simplify their financial lives and pursue their dreams
-Generate the necessary income to sustain the lifestyle they deserve now and in retirement
-Build a legacy for the ones they love and the things they care about. What we expect in return:
-should our clients have a question on a

nything financial, we expect to be the first phone call. We want to be your primary financial advisor. Our staff consists of experienced professionals with a "hands on" approach to financial guidance. Not only will you find our team members knowledgeable, but you will also discover that our staff truly cares about your dreams. As your Financial Professionals, we will do everything in our power to keep you focused on where you want to go, advise you on how to get there, and continually remind you of the importance of maintaining a disciplined approach to pursuing your dreams. Our company is based on the principle that education and understanding of your current financial situation is vital to successfully make prudent decisions concerning your future financial condition. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. Securities offered through LPL Financial, member FINRA/SIPC. www.finra.org and www.sipc.org

Investment advice offered through McLemore Group, a DBA of Advisor Resource Council, a registered investment advisor. McLemore Financial Group and Advisor Resource Council are separate entities from LPL Financial. For a list of states in which we are registered to do business, please visit McLemoreGroup.com

08/27/2026

Your retirement account balance might not be what it seems

This is one of those "aha" moments we often have with clients.

That $800,000 in your traditional 401(k)? Uncle Sam is actually a silent partner in that account.

Here's the math: $800,000 in a traditional 401(k), assuming a 25% retirement tax bracket, gives you $600,000 of spendable wealth.

This is why we often discuss Roth conversions during those transition years between retirement and Social Security, when your income might be lower.

The IRS doesn't send annual statements showing their portion of your retirement accounts, but they'll eventually collect their share.

Contact us to run the numbers and explore potential Roth conversion opportunities.

08/25/2026

Why do highly successful people sometimes struggle with retirement transitions?

The more successful someone is in their career, the more challenging retirement can become.

High achievers often report significantly higher rates of retirement adjustment difficulties.

The very skills that built career success can become challenges in retirement:

👉Love of optimization → Fewer clear metrics to optimize

👉Competitive drive → Less obvious competition to engage

👉Goal-oriented thinking → Fewer externally imposed goals

👉Strong work identity → Questions about identity beyond career

Dont let them… Try this instead:

✅Start exploring post-career interests years before retiring

✅Gradually reduce work responsibilities rather than stopping abruptly

✅Develop new sources of purpose and meaning beyond career achievements

✅Consider phased retirement or consulting opportunities

✅Focus on relationships and activities that provide fulfillment

Retirement success isn't only about having enough money - it's about having enough purpose and meaning.

The clients who transition most successfully start planning their post-career identity well before they retire.

08/19/2026

We recently worked with a successful business owner whose three adult children knew about the family's $8 million manufacturing company but had vastly different ideas about its future.

One child wanted to sell and pursue their own career, another assumed they'd automatically take over, and the third felt completely unprepared for any leadership role.

The father had been avoiding these conversations for years, hoping things would "work themselves out." Meanwhile, tension was building, and the business succession plan remained unclear.

We helped facilitate their first structured family wealth meeting. Was it uncomfortable at first? Absolutely. But it turned out to be transformative.

The results were remarkable:

👉Each child gained clarity on their role and the responsibilities that come with family wealth

👉They discovered shared values around the business mission and family legacy

👉We implemented tax-efficient succession strategies that worked for everyone's goals

Most importantly, they avoided becoming part of the 90% of wealthy families who lose their wealth by the third generation

The real breakthrough wasn't just about money—it was about honest communication and aligned expectations.

Most wealth transfer failures happen due to family conflicts and lack of preparation, not poor investment returns.

08/17/2026

Are you making the most of your Health Savings Account?

Many people treat HSAs like checking accounts for current medical bills, which is understandable but might not be the most strategic approach for retirement planning.

Here's what we share with clients: Current HSA limits for 2026 are $4,400 individual, $8,750 family, plus $1,000 catch-up at 55+.

The unique advantage is the triple tax benefit - deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses.

The strategy we often discuss: If you can afford to pay current medical expenses out-of-pocket, let your HSA grow for 15-20 years.

After age 65, you can withdraw for any reason (taxed like a traditional IRA), or continue using it tax-free for medical expenses.

Given that Fidelity estimates couples need $345,000 for retirement healthcare costs, a well-funded HSA can be incredibly valuable.

What's your current strategy with your HSA?

08/14/2026

Could healthcare costs be your biggest retirement expense?

Many clients are surprised to learn that healthcare might cost more than their mortgage in retirement.

The numbers are eye-opening: Fidelity estimates that an individual retiring today will need $172,500 just for healthcare expenses over their retirement years.

That doesn't include long-term care, which can add hundreds of thousands more.

CareScout's 2025 Cost of Care Survey shows the average private nursing home room costs $129,575 annually, and Medicare covers very little of long-term custodial care.

The good news? There are strategies to help manage these costs.

Health Savings Accounts offer triple tax advantages, long-term care insurance can provide protection while you're healthy, and understanding Medicare options early helps you make better decisions.

We help clients build comprehensive healthcare funding strategies because hoping for good health isn't a financial plan.

Contact us to discuss building a comprehensive healthcare funding strategy for your retirement.

08/11/2026

Is inflation creeping back up?

Inflation has been more volatile this year, with real implications for retirement income and purchasing power over time.

Social Security cost-of-living adjustments often lag behind the actual price increases retirees experience, which can quietly erode buying power year after year.

Here's how we're helping clients inflation-proof their retirement:
→ Maintaining some stock exposure for long-term growth potential
→ Considering inflation-protected securities (TIPS)
→ Building flexibility into withdrawal strategies
→ Planning for healthcare costs that typically rise faster than general inflation

How are you positioning your retirement savings against inflation pressure?

Give us a call to explore inflation-proofing strategies that might work for your situation.

08/06/2026

Summer vacation season got you thinking about retirement spending habits?

Bankrate's research found that 29% of Americans went into debt for summer vacations in 2025.

The same mindset that leads to vacation overspending often shows up in retirement: "We've worked hard," "We deserve this," "We'll figure out the finances later."

We help clients use summer spending as practice for retirement budgeting.

What patterns are you noticing in your own summer spending this year?

08/03/2026

It's natural to worry about AI replacing your job, but have you thought about how it might affect your retirement investments?

Many of our clients ask us about AI's impact on their careers, which is completely understandable.

But as financial advisors, we're also tracking how AI is reshaping entire industries and what that means for retirement portfolios.

The research shows that AI could automate half of today's work activities by 2045, according to McKinsey, with a range of 2030 to 2060 depending on the pace of adoption.

This has us thinking about second-order effects:

→What happens to dividend-paying companies that rely on large workforces?

→How will commercial real estate values change as remote work becomes permanent?

We're not suggesting dramatic portfolio changes, but we are helping clients understand these shifts and position their investments accordingly.

❓Is your advisor addressing these concerns with you?

Get in touch with us if you have any questions about positioning your portfolio for technological changes.

07/29/2026

If your employer offers a 401(k) match, that is additional compensation you receive by contributing to your retirement plan.

Matching formulas vary by employer. So do vesting schedules, which determine how long you need to stay before the match fully belongs to you.

Some employers also have eligibility requirements around when the match is deposited or whether you need to be employed at year's end to receive it.

Consider reviewing your plan documents to understand your specific formula, vesting timeline, and any requirements that apply.

The match is part of your total compensation. Understanding how it works may help you make the most of what your employer is offering.

🗣️Questions about your 401(k) strategy? Let's review your plan details.

07/27/2026

Holding an investment longer than makes sense because of what you originally paid is a pattern worth recognizing.

It is a natural response. Locking in a loss does not feel good.

But the original purchase price is generally not the right reason to hold a position.

Selling involves other considerations too, including cost basis, tax implications, your current allocation, and how that position fits your overall income plan.

The more useful question is whether this investment still belongs in your portfolio, and whether the reasons you are holding it are financial or emotional.

If you have positions you have been avoiding the conversation on, that may be worth revisiting.

❓Questions about reviewing your portfolio? Let's talk.

Address

1529 W Lingleville Road Ste A
Stephenville, TX
76401

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+12549681020

Website

http://www.McLemoreGroup.com/

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