Total Benefit Services, Inc.

Where Quality is More than Just a Word!

Welcome to Total Benefit Services, Inc. the Lubbock areas premier financial services and retirement planning firm.

Planning for and living a financially successful retirement requires application of equal parts science, discipline and art. It takes more than a little engineering, and a little creativity. At Total Benefit Services, Inc. it means using our  thirty five plus years of financial and retirement planning  experience together with the proper tools to help you plan for and enjoy a more financially successfull retirement. 

Total Benefit Services, Inc., is a financial services firm serving the needs of investors in the Lubbock Region for over thirty five years.  Michael A. Morgan, President and Founder built Total Benefit Services, Inc. on the concept of helping individuals of all income and wealth levels to identify and move toward their long term financial goals and objectives.  We practice good old fashioned customer service providing personalized one-on-one assistance and customized solutions tailor-made to your individual or company needs.

As an independent organization our only priority is to assist our customers in developing and implementing a financial plan with their personal needs and goals in mind.

Products and Services:

  • Financial Planning
  • Investment Advisory Services
  • Estate Planning and Wealth Transfer Plans
  • Pension and Retirement Income Planning
  • Retirement Preparedness Planning
  • Individual Retirement Plans including Traditional and Roth IRA's
  • Business Retirement Plans Including 401(k), 457 and 403(b) Plans
  • Deferred Compensation and Key Executive Planning
  • Fixed and Variable Annuities
  • Life Insurance
  • Long Term Care Insurance
  • Mutual Funds and Variable Annuities 
Calculators

Lease Interest

What's the interest rate on the lease you're considering?

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

Disability Income Insurance

How much Disability Income Insurance do you need?

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

More Calculators →

Newsletters

When Tea Leaves Won't Do

Economic indicators can be a good source of clues about trends, but it takes experience and skill to interpret their meaning.

Tips for Healthy Life Insurance

If you are about to retire or have recently entered retirement, it's a good time to consider whether your current life insurance policy meets your needs.

What Does a Fed Chairman Do?

The Federal Reserve plays an important role in our economy, and the chairman is its most visible player. His behavior is a good source of clues about what the future may hold.

Hot Topic: 2010: The Year of the Roth Conversion?

Starting in 2010, anyone, regardless of income, can convert retirement plan assets to a Roth IRA.

More Newsletters →