Cyndi McCann - Insurance and Financial Services Agent

06/16/2026

I hear this a lot: "I have life insurance through my work, so I'm covered."

And I have to gently push back — because being covered and being adequately covered are two very different things.

Most group life insurance through a job typically gives you 1× your annual salary. So if you earn $52,000, your family gets $52,000 if something happens to you. That's roughly one year of income.

If you have a mortgage, kids at home, or a spouse who depends on your income — one year doesn't go very far.

The general rule of thumb is 10–12× your annual income, especially during your working years. That sounds like a lot, but a $500,000 term policy for a healthy adult in their 30s or 40s often costs less than $25–$35/month.

The mistake most people make isn't buying too little — it's never reviewing what they already have. Your needs at 35 are very different from your needs at 55.

I do free life insurance reviews. We look at what you have, what you actually need, and whether you're overpaying (or undercovered). No pressure.

Book here: https://calendly.com/retireandinsurewithcyndi/30min

06/14/2026

Most people assume retirement income just … appears. Social Security kicks in, the pension arrives, done.

But what if you're a Texas educator who left the classroom before vesting in TRS? Or a support staff member whose district didn't offer a 403(b) match? What if the pension is smaller than you expected?

Here's the honest truth: a pension is an income floor, not a full paycheck. Even a solid TRS benefit often covers 50–70% of pre-retirement income. The rest has to come from somewhere.

The good news is you can build that "somewhere" intentionally:

1. A 403(b) or IRA adds a second income stream you control
2. A fixed indexed annuity can create guaranteed income your pension doesn't cover
3. Cash value life insurance can bridge gaps in early retirement years
4. A 12-month emergency fund keeps you from cashing out investments when markets dip

The key is knowing your number BEFORE you retire — not after. I do a free retirement income review that maps out exactly what you'll have coming in and what gaps need filling.

Book a free 30-min call: https://calendly.com/retireandinsurewithcyndi/30min

06/13/2026

Let's see how we can help you.

06/07/2026

Financial planning is more than preparing for the future, it’s creating a strategy for every stage of life. 📈

At Think Net Tailored Wealth Solutions, we offer a wide range of services designed to help you pursue your financial goals. From retirement and investment planning to estate strategies, risk management, debt reduction, and beyond, our approach is tailored to your unique needs.

No matter where you are on your financial journey, having the right plan in place can help bring greater clarity, confidence, and peace of mind.

Ready to take the next step? Connect with our team to explore the strategies that can help support your goals today and for years to come.

🌐 tntws.com

06/07/2026

Think of your retirement like three buckets 🪣

Bucket 1: Your TRS pension — safety and guaranteed income.
Bucket 2: Your 403(b) or annuity — supplemental income when you need it.
Bucket 3: Long-term growth — building wealth that keeps up with life.

Most Texas school district employees are living entirely out of Bucket 1. That's a plan — but it's not the full picture.

Which bucket do you feel least prepared in? Drop a 1, 2, or 3 in the comments 👇

Let's chat. Link in bio.

06/07/2026

Retiring before 62 sounds amazing — until you do the math on the income gap. 🗓️

For many Texas school district employees, there are years between early retirement and when TRS + other benefits fully replace your paycheck. An annuity can bridge that gap with guaranteed monthly income — no market swings, no guessing.

Are you planning to retire early, or already worried about how to make the numbers work? Drop a 👇 or send me a message — I'd love to help you map it out.

Let's chat. Link in bio.

06/07/2026

Fixed. Variable. Indexed. 🤔 Three types of annuities — and each one works very differently for your retirement.

If you're a Texas school employee wondering whether an annuity belongs in your plan alongside your TRS pension, the type you choose is everything. One offers guarantees, one offers growth, one tries to give you both.

Which sounds most like what you need? Drop a comment or book a free chat to find out what actually fits your goals → https://calendly.com/retireandinsurewithcyndi/30min

Let's chat. Link in bio.

06/06/2026

06/05/2026

Quick check for Texas school district employees 📝

Are you using an IRA alongside your TRS pension?

In 2026, you can contribute up to $7,000 to an IRA — or $8,000 if you're 50 or older. That's tax-advantaged savings on top of your pension and 403(b).

Not sure where to start? I'd love to help — book a free 30-min chat: https://calendly.com/retireandinsurewithcyndi/30min

Let's chat. Link in bio.

06/05/2026

Your TRS pension is years away. Your sick days only go so far. 💛 What protects your paycheck if an injury or illness keeps you out of work for months?

Disability income insurance is one of the most overlooked protections for school district employees — and it might matter more than you think. Do you have coverage in place?

Let's chat. Link in bio.