Texas Retirement Planning
Synergy Insurance Group, Trusts and Estate planning
At Synergy Insurance Group, we help individuals and families protect what matters most while building a secure financial future. Based in Tyler, Texas, we specialize in Medicare planning, retirement income strategies, final expense coverage, and legacy planning. Our mission is to simplify complex financial decisions and provide clear, personalized solutions that give our clients confidence and peace of mind.
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
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Meet The Advisor
Steven Pine
President
Steven Pine is a Tyler native and the President of Synergy Insurance Group, with over 15 years of experience in financial services and insurance. He specializes in retirement income planning, Medicare solutions, annuities, and estate planning strategies designed to protect and grow his clients’ wealth.
Steven is passionate about helping families avoid the pitfalls of poor planning and ensuring their assets are passed on efficiently to the next generation.
As a husband and father of four, he is deeply committed to serving his community and often spends time mentoring youth and staying active on the basketball court.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in August–October 2026
- There are no events scheduled during these dates.
Our Downloads
Legacy and Estate Planning; Understanding the Basics
Estate planning is an important part of retirement planning. You’ve worked hard for your money and want to see your children and grandchildren benefit, and you probably want to see it passed down in the most efficient way possible. Unfortunately, costly mistakes are all too easy to make, from forgetting to name a beneficiary on your retirement account to not updating your estate plan over time. It’s not just billionaires who need to have solid estate plans; it’s anyone who wants their wishes to be honored after their passing.
Navigating Medicare and Medigap Insurance
One of your largest retirement expenses could be your healthcare costs. An average 65-year-old couple retiring today will need an estimated $315,000 to cover their healthcare costs, according to one study. Unfortunately, the Medicare system can be quite complex. This leads too many retirees to overspend on healthcare expenses and receive suboptimal coverage over the span of their retirement. Don’t pay more than you should for the health services and coverage you deserve! Read this guide to learn about:
Why 59 ½ Is An Important Age
The road to a strong retirement starts long before your last paycheck. This guide is packed with smart, age-specific strategies for ages 5 to 55, from building savings habits early to planning for college and maximizing your working years. The earlier you start, the greater your opportunities to grow, save, and thrive.
Our Blog
Target Date Funds: Understanding Their Pros and Cons
Target date funds (TDFs), also known as lifecycle or age-based funds, are mutual funds that automatically adjust their asset allocation [...]
The Role of Financial Caregiver
Financial caregiving often involves managing an individual’s daily financial affairs when they cannot fully care for themselves. This care could [...]
Financial Retirement-Age Milestones: Social Security Eligibility and Penalty-Free Withdrawals
Managing one’s financial future can be a complex task, especially when considering the multiple key age milestones involved. Two of [...]
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
