Financial Advisor Kevan Gaug

Kevan Gaug - CRPC AAMS®

Regional Director SE Texas

Check Kevan Gaug's Background Here:

Financial Products & Services

to reach your financial goals...

As the world becomes more complicated, your world gets more hectic and time consuming. Focusing on the cornerstones of life - you, family, work, and spiritual growth - is an all-consuming effort. Usually, one or more areas tend to be neglected and lacking or, at best, your efforts are inefficient and ineffective.

Although money management, is the means to your lifestyle, satisfaction and purpose in life, consciously or unconsciously, your time, effort, education and access just are not enough. You deserve better!  Welcome to TFM!


Total Financial Management (TFM)


To act in your best interest, the process of Total Financial Management™ or TFM allows us to understand your entire financial situation as well as, or better than, you. So a written, comprehensive and personalized financial plan is prepared. The document incorporates all your financial data as well as converting your goals and desires into measureable objectives.


TFM integrates your interdependent LifeLong™ Financial Strategies for money, risk, wealth, taxes and estate to uniquely  provide tailored solutions to achieve your LifeStage™ Financial Objectives.


TFM provides trained and professional guidance, education, counsel, projections and specific recommendations plus helps implement your personal financial strategies. Then, because your life, laws, employment and risks constantly change, TFM regularly reviews and adjusts year after year to help you become more effective and efficient so you can focus on your cornerstones in life.




Money Concepts helps you protect, build, withdraw and transfer your wealth to your unique and special needs and desires by first customizing strategies and then tailoring products to fit those strategies. We immerse ourselves in your total financial situation – cash flow, taxes, risks, investments and estate planning – because this allows us to create a personal, comprehensive financial plan with the recommendations and implementation that is in your best interests.


Personal / Family Financial Planning


Net Worth Analysis

Cash Flow Analysis

Projection of the Effects of Inflation

Mortgage Analysis/Reverse Mortgages

Tax Planning/Strategies

Benefits Analysis

Insurance Coverage Summary

Insurance Needs Analysis/Solutions

Accumulation Goal(s) Strategies         

College Education Funding

Retirement Needs Analysis

Retirement Income Planning

Net Unrealized Appreciation (NUA)

Risk Assessment

Investment Analysis

Wealth Management

Estate Planning Analysis

Estate Planning Recommendations


Small Business Owner Financial Planning


Entity Evaluation

Cash Flow Analysis

Tax Savings Analysis

Business Valuation

Equity Protection Strategies

Business Risks Evaluation

Employee Benefit Analysis/Solutions

Key Employee Retention Options

Maximizing Executive Benefits

Medical Insurance Cost Strategies

Business Performance Measurements

Business Continuity Strategies

Owner Exit Strategies

Buy-Sell Agreement Strategies

Managing Exit Tax Liabilities



Issue Planning Services


Financial Position

Education Planning

Charitable Gifting

Family Gifting

Accumulation Planning

Stock Option Exercise Analysis

Pre-Retirement Planning

Retirement Planning

General Estate Planning

Year End Investment Tax Evaluation

Business Plan Preparation

Other by Request


Non Proprietary Financial Products


The following financial products are available through Money Concepts from a variety of third party financial companies. Products are recommended based on your specific financial situation and needs. Money Concepts does not have proprietary financial products and is not affiliated with other financial firms that offer these products.  This list is not comprehensive and is subject to change.





Online Bill Paying

Certificate of Deposits


Foreign Certificate of Deposits

Money Market

Municipal Money Market

Money Market Funds





Inflation Protected TIPS


Mortgage Backed

Municipal GO

Municipal Insured

Municipal Other

Floating Rate


Structured Notes

Structured CD’s



Equities: Domestic U.S.


Common Stocks

Preferred Stocks

High Dividend Stocks

American Depository Receipts (ADR)

Mutual Funds

Exchange Traded Funds (ETF)

Closed End Funds (CEF)

Unit Investment Trusts (UIT)

Managed Accounts

529 College Savings Plans


Alternative Investments


Oil/Gas Master Limited Partnerships (MLP)

Equipment Leasing

Real Estate Investment Trusts (REIT)


All securities through Money Concepts Capital Corporation. Member FINRA/SIPC








Immediate Income

Medicaid Qualified

Annuity/Long Term Care

Longevity Annuity


Life Insurance


Term Life Insurance

Whole Life

Universal Life

Variable Universal Life

Survivorship / Dual Life


Employee Benefit IRC 79t

Key Person


Buy - Sell

Split - Dollar

Premium Financed

Life Settlement

Life/Long Term Care


Disability Insurance




Short Term – Long Term

Business Overhead


Medical / Executive


Long Term Care (LTC) Insurance


Partnership LTC Insurance

Employer Benefit LTC

Multi Purpose Insurance


Health / Medical Insurance




Small Group



Health Savings Account

Cancer Supplemental

Medicare Supplemental




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Important Investing Information: Not all investments and services mentioned are available in all states. Money Concepts registered representatives are restricted to conduct business only with residents of a state and/or jurisdiction for which they are properly registered. When investing from outside of the United States, you are subject to the securities and tax regulations governing your jurisdiction. Contact us directly for detailed information about investment regulations outside of the United States. Registered Representatives State License Disclosure

Kevan Gaug is an independent contractor of Money Concepts
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