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Personalized Financial Confidence

Vogel Financial Group

About

Vogel Financial Group

Work with a partner who will provide an investment experience tailored to you.

Money is personal. We believe investor deserve professional guidance that provides them with a customized financial strategy focused in their individual needs and objectives.

Our approach is built on holistic planning, where investment and insurance strategies are designed to complement one another to help you meet your financial goals.

Our mission is to help investors build confidence through a focused, personalized approach to their financial strategy. We provide strategic guidance designed to assist our clients in making informed decisions for their financial future.

Empowering Your Retirement

Meet The Team

Gary Vogel

Founder, President

Gary Vogel lives in Waco, Texas, and is very involved in the Waco community. He volunteers to raise funds for the Greater Waco Chamber of Commerce and is very active in other local organizations.

Gary is married to his wonderful wife, Cheryl, for 35 years. They have 4 children, 10 grand-children, and 6 great grand-children. He enjoys being with family and friends and is always ready to help others.

Gary graduated from Texas A&M with a B.B.A. in Finance. He is a former bank president and has been in Financial Services for over 30 years. He holds Series 63 and 66 Security Licenses and previously held Series 6 and 7 Security licenses. He is a Life and Health Insurance licensed agent. He enjoys meeting people and helping them meet their financial goals.

Senior Wealth Advisors

Learn More About

Our Financial Solutions

Our three-step planning process works to help identify and implement suitable financial strategies focused on addressing our clients needs and working toward their long-term goals and objectives for retirement. Click on a step below to learn more.

Our Approach

01

Start Smart

02

Apply Discipline

03

Communicate Progress

Our Financial Services

Wealth Management

Our goal is to develop strategies designed to provide income for the long term. We help build tailored, sustainable income plans for our clients that take all factors into account. Retirement is a significant milestone, and our process focuses on helping you manage your assets so you can focus more on your passions and the people you love.

Retirement Strategy Planning

Retirement savings strategies involve a comprehensive approach that balances consistent saving during your working years with potential tax-advantaged withdrawal strategies in retirement.

Key steps include fully utilizing tax-advantaged accounts, diversifying investments to help manage risk, and strategically evaluating the timing of Social Security benefits.

Social Security Benefit Planning

Social Security timing strategies involve strategically evaluating when to claim benefits and coordinating with other income sources to help increase your potential lifetime payments.

The decision of when to claim Social Security is complex and can significantly impact your retirement income. We provide a comprehensive analysis to help you understand how different timing choices may affect your long-term financial health.

Income Planning

Through our retirement planning process, we will review your current income situation and analyze potential income in retirement. We work with you to develop a strategy designed to provide sustainable income throughout your lifetime. We’ll help you evaluate your Social Security options and seek to increase the benefits for your situation.

If you have a pension, we will guide you through the options available and help you make an informed decision. Our process also addresses other considerations, such as potential impacts from inflation, taxation, or the loss of a spouse.

Our Guides and Blog

Financial Educational Literature

Tax Planning Guide

Tax Planning Guide
Work to Reduce Your Taxes In This Year and The Future

Most retirees don’t realize how much in unnecessary taxes they could be paying—until it’s too late. This guide reveals how smart tax strategies can help you keep more of your retirement income and help prevent taxation from affecting your financial foundation.

5 Keys to Retirement Planning Tool Guide
Plan & Prepare In The 5 Key Areas of Retirement Planning

Your financial strategy is one of the most important parts of your quality of life in retirement. However, it can also be difficult and complex to keep up with the changing financial landscapes, modern laws, and regulations. In short, creating your financial strategy is never a set-it-and-forget-it task—it requires maintenance. A common rule of thumb is to re-examine your financial and retirement strategy on an annual basis. So, when you undergo this review, remember to look at the five key areas of retirement planning.

Browse Our Blog

Rethinking the Million-Dollar Retirement Benchmark

If you search for retirement advice online, you’ll often find that $1,000,000 seems to be a recurring target number. But is that a goal you should be saving for, or is it outdated advice? Q: Where did the $1 million retirement benchmark come from? A: Historically, $1 million became the goal when it was popularized alongside the 4% [...]

July 6th, 2026|

Our Video Library

What’s a Risk Score?

Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.

It’s important that investors understand their risk tolerance so that they can help guide the design of their investment strategy. This approach looks to balance the investor’s desire for returns goals with their ability to stay confident and invested throughout market cycles.

To help investors understand their risk threshold we deploy a proprietary algorithm rooted in the well-known Value at Risk (VaR) measurement that helps us quantify their sentiment toward financial uncertainty, specifically their emotional tolerance with respect to the magnitude and speed of potential investment loss. This Analysis provides them with a VaR Score that can help determine if their existing portfolio aligns with their risk tolerance.

Risk-Tolerance

Intelligent, Disciplined Investing with AssetLock®

AssetLock® is Simplicity Wealth’s proprietary, investment portfolio monitoring service that delivers personalized communications to advisors and investors in a secure environment.

This technology keeps investors informed about the progression of their portfolio in accordance with their risk tolerance determined by the investor’s household portfolio VaR Score.

Contact Vogel Financial Group

At Vogel Financial Group, we believe strong financial planning is built on relationships. We take the time to understand your goals, concerns, and family dynamics—because financial planning isn’t just about numbers, it’s about life. Our team is committed to providing consistent, personalized guidance, ensuring you have a dedicated advisor who understands your long-term financial journey.

Schedule Your Complimentary Retirement Review

At Vogel Financial Group our approach goes beyond investment management.
We focus on helping you strengthen your retirement strategy.

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