Every Great Journey Needs an Expert Guide

The financial landscape is full of risk — market volatility, tax exposure, inflation, and the unknown. We chart the course, defend against the downside, and navigate you toward a confident retirement.

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✓ Fiduciary Standard  - Your interests first

"A sherpa doesn't just carry your gear — they know the mountain, read the weather, and keep you from paths that don't lead home."

Who We Serve

We guide people at every stage of the journey


Whether you're building, protecting, transitioning, or passing it on — there's a plan designed for where you are right now.

  • Young Professionals

    Just starting to build wealth. You need an investment strategy that grows in bull markets while limiting damage when things turn south.

  • Young Families

    Life got more complex. Protection matters now. You need life insurance, a growing portfolio, and a plan that covers your family's future.

  • Pre-Retirees (55–65)

    Approaching the summit. You've accumulated assets and need to shift from pure growth to a strategy that also shields against market loss.

  • Retirees

    Living off the map you built. Reliable income, tax efficiency, downside protection, and a legacy plan that carries your values forward.

Our Four-Pillar Framework

A complete plan needs all four pillars



Most advisors only specialize in one area. We build all four into a single, coordinated financial plan

  • Growth Strategy

    Grow in the bull. | Defend in the bear.


    Active portfolio management with offense when markets rise and defensive 

    positioning when they fall.


    • Active portfolio mgmt
    • Bear market defense
    • IRA & 401(k) rollovers
    • Tax-efficient growth
    • Roth conversion analysis

  • Protection

    Shield what you've built from the unexpected. Life insurance, long-term care, and fixed annuities that protect your family and principal from unpredictable events.


    • Life insurance strategies
    • Long-term care solutions
    • Fixed & index annuities
    • Principal protection
    • End-of-life cost planning

  • Income Distribution

    Income you cannot outlive.


    A personal pension strategy that fills your income gap for life — whether markets are up, down, or flat.

    • Personal pension design
    • Social Security optimizer
    • Guaranteed lifetime income
    • Retirement income gap
    • Withdrawal sequencing

  • Leave a Legacy

    Pass it on without the tax time-bomb. Wealth transfer planning that keeps more in the hands of the people you love and less going to taxes.


    • Wealth transfer planning
    • Beneficiary strategies
    • Tax-efficient inheritance
    • Charitable giving
    • Estate cost reduction

"The climb is yours. The expertise is mine."

QUESTIONS WE HELP ANSWER

How do I grow assets AND protect against big losses?

Should I do a Roth conversion — will it save me taxes?

How do I create income I cannot outlive?

What happens to my family and legacy when I'm gone?

I'm just starting out — how do I build the right foundation?

Risk assessment tools

Multi-year conversion strategy

Portfolio Analysis

Annual review servicing

Real Stories. Real Outcomes.

Simple stories of people using smart financial tools to navigate life’s biggest moments.



Piano Lessons


When Sarah lost her husband unexpectedly, the world felt like it stopped. But the mortgage didn’t. The grocery bills didn’t. And most importantly, her daughter’s Saturday morning piano lessons didn’t. Because they had a solid term policy in place, Sarah didn't have to sell the house or pull her daughter out of the activities that gave her comfort. The check didn't replace her husband, but it bought her the space to grieve without the crushing weight of a "For Sale" sign on the front lawn.

Business Pivot


In 2024, Marcus found the perfect storefront for his boutique coffee roastery. The bank said "no" to a traditional loan because his credit was rebuilding. However, Marcus had been funding a Whole Life policy for six years. He didn't need a bank’s permission; he took a policy loan against his own cash value. He opened the shop in three weeks, paid himself back on his own schedule, and today, he owns the most popular spot in the neighborhood. He didn't have to wait for "someday"—he used his own private bank to build his dream today.

Legacy Gift


James didn't come from money, but he wanted his grandkids to. He took out a small policy years ago, less than the cost of a daily latte. When he passed at 82, that "small" policy provided his three grandchildren with $50,000 each. One used it to graduate college debt-free; another used it for a down payment on a first home. James didn’t leave behind a pile of bills; he left behind a launchpad. He effectively changed the financial trajectory of his family for the next fifty years with one simple signature.

The Loving Wife


When Robert required round-the-clock memory care, the crushing monthly bills threatened to wipe out his and Claire’s retirement savings. But because they had shifted a portion of their assets into a Long-Term Care policy years earlier, Claire didn't have to drain their nest egg or downsize the family home. The policy stepped in to cover his care completely. It couldn't reverse Robert's diagnosis, but it allowed Claire to focus on simply being his wife, rather than watching her own financial security slip away.

The Family Home


When David passed away unexpectedly, his adult children, Emma and Lucas, were devastated. But because David had proactively set up a clear will and a basic trust, they were spared the agonizing, months-long probate process. The family home and his savings transferred to them seamlessly, exactly as he intended, without costly legal fees or court delays. The documents couldn't bring their father back, but they provided vital peace of mind, allowing the siblings to grieve together rather than spending their days untangling a stressful financial mess.

How We Work

Your planning journey in three steps


No product push, no confusing jargon. Just a clear process from the first conversation to a plan that works.

About Us

Mike Greiner, Founder | Texas Elite Benefits


Mike is the founder of Texas Elite Benefits and a dedicated financial professional with over two decades of industry experience. Since beginning his career in2002, Mike has personally guided more than 500 individuals, families, and business owners through the complexities of wealth and risk management. He believes deeply that financial education is the foundation of any successful strategy, ensuring his clients fully understand their options before making decisions.


Specializing in comprehensive financial and income planning, Mike takes a tactical approach to portfolio management. He utilizes a blend of offensive and defensive strategies designed to capture market growth while protecting assets against volatility. His deep expertise spans life insurance, annuities, and basic estate planning, including wills and trusts. Additionally, Mike serves the local business community by designing and managing corporate benefit structures, including pensions and 401(k) plans for small and medium-sized enterprises.


A proud Texas native, Mike understands the unique values of the families and business owners he serves. Outside the office, he is a dedicated family man who enjoys spending time with his wife and three children.


Mike Greiner 

Founder · Texas Elite Benefits 

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Transparency Fiduciary Standard Clear Guidance Peace of Mind 20+ Years Experience 500 Clients Served Transparency Fiduciary Standard Clear Guidance Peace of Mind 20+ Years Experience 500 Clients Served

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Ready to chart your course?
Book a complimentary 30-minute conversation with Mike. We'll map where you are, where you want to go, and whether we're the right guide for your journey. 

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No products pitched. No pressure. Just a conversation