Looking for a way to grow your retirement savings while protecting your hard-earned money? Indexed annuities offer principal protection, the potential for market-linked growth, and guaranteed income options—all from a local, licensed Texas agent you can trust.
Check out this great video about Index Annuities featuring Mr. Ernie Sears our business partner.

An Indexed Annuity is a powerful retirement vehicle that gives you the potential to grow your money based on the performance of a stock market index (like the S&P 500), without risking your principal.
That means you get the upside potential of the market — without the downside risk.
All annuities are subject to contract terms, including surrender charges, fees, and interest crediting methods. Past performance is not a guarantee of future results. Not a deposit. Not FDIC insured. Not insured by any federal government agency.
Not all annuities are right for everyone. Before any purchase, we perform a thorough suitability assessment to ensure this product fits your financial goals and needs.

Benefits of Indexed Annuities:


“A client came to us after losing 30% of his retirement in the market. We helped him move his funds into an indexed annuity, and now his money is growing without any fear of market dips. He sleeps peacefully knowing his retirement is protected.”
Moreno Financial Services
Kempner, Texas — Serving all of Central Texas | Mon–Fri: 9 AM – 5 PM
Phone: 254-397-5700
© 2026 Moreno Financial Services. All rights reserved. | Kempner, Texas | TDI License #3170671 | 254-397-5700 | jmoreno@morenofinancialservices.com
Licensed in the State of Texas. Life insurance products are subject to underwriting approval, and coverage is not guaranteed until a policy is issued. Moreno Financial Services is not a law firm or CPA firm — tax preparation and bookkeeping services are provided for informational purposes only and do not constitute legal or tax advice. Please consult a qualified professional for advice specific to your situation. Annuity and life insurance products are not deposits, are not insured by the FDIC or any federal government agency, are not guaranteed by any bank or savings association, and may lose value. Guarantees are based on the claims-paying ability of the issuing insurance company.
Veteran-Owned. Family-Operated.