Mpact Financial Solutions

Holistic and Forward Thinking Portfolio Management

Safe Money Strategies


Money invested in the traditional asset mix of stocks and bonds are subject to systematic risk no matter how diversified your portfolio is. There is so much more volatility in the markets today, we can no longer depend on the traditional "buy and hold" strategies of yesterday to make us whole again.

If you:


1.have an IRA/ROTH IRA

2.have a 401K in a previous employer plan

3.are 59 1/2 and have a 401K at your current company you can do an inservice rollover and have more control over the investment choices for your retirement to protect yourself better.


All of these can be rolled over into and IRA and be invested in safe money strategies.


Find out how you can eliminate the systematic risk and protect your principal.

Long Term Care


Most folks don’t want to think about needing Long Term or Terminal Illness care. But the reality is, that you have to think about it, and you have to plan for it, or it can and will devastate any well-constructed retirement plan.


Truth is, 70% of people turning 65 today will need some type of LTC services at some point, either at home, in their community, or in a facility. 14% of people will need LTC for longer than 5 years. If you have any idea the cost of nursing care you know it can easily top $8K/mo.  


I like to think about LTC insurance as the “stay OUT of the nursing home” insurance because today’s LTC insurance gives you flexibility to use it in a number of different ways and it is no longer "use it or lose it". It is more of a hybrid Life Insurance with LTC  benefits.



If you are like me, the decisions looming around saving for retirement can all be daunting. Face it, you spent the good part of the Accumulation period contributing to your retirement plan, but not really "managing" it actively. Sound about right?

401K plans don't come with work instructions. This makes us incredibly unprepared for the Distribution phase of retirement which makes the 5 years just before, and just after retiring the MOST IMPORTANT YEARS to determine if we will have a successful, and worry-free retirement, OR NOT!

They say the happiest people in retirement are those that do not have to worry whether or not they will outlive their money.


Make sure you get help now so you can retire happy!

About Mpact Financial Solutions





Delivering Personal Service, Quality Products and Retirement Education that regular folks can understand
Personally, I have always had a passion for retirement planning and helping others understand the strategies around safe money planning, protecting your principal and ensuring we build "pension" type incomes that you cannot outlive by growing and maximizing your retirement savings. This was to be my long-term plan for my second career after I retired from the workforce, but fate interceded earlier than anticipated when my global position was eliminated after 19 years at my company and I found myself "retired" about 4 years earlier than planned so I decided to embark on my passion earlier,  and I've never regretted a single day of it. I believe everything happens for a reason and I truly believe this is my purpose.


My mentor, Patrick Smith who is one of my strategic partners, has been in this business for more than 40 years, saw my passion and potential a few years ago, gave me the push I needed at the right time to strike out on this new journey, and is helping to guide me in this business and fast tracking my learning curve.

Professional team

Tracy H. Smith

Founder, Mpact Financial Solutions

Licensed Specialist

Strategic Partners


President & Founder

Senior Advisor

What we offer


1. How to be 100% confident you won't outlive your money
2. How to not get double taxed on social security benefits
3. Plan for worry-free retirement
4. Ensure you don't "spend down" for long term care
5. When to take Social Security benefits

Our Services


1. Income, Tax & Retirement Planning
2. Safe Asset Management to protect principal
3. Alternative Strategies
4. IRAs, ROTH IRAs, Annuities
5. Life Insurance, Long Term Care Insurance



Explore holistic, forward thinking balanced portfolio construction with the top objective being to always protect your principal, and find the best options for your specific situation to ensure the best outcomes whether that is  instruments that can produce the highest level of "pension" like forever income or leaving a legacy for your heirs.

About Mpact Financial Solutions Founder

My passion for safe money strategies for income & retirement planning set me on a path to pay it forward

Who is Tracy?



When I turned 55 I thought it was time to attend some free seminars to start “preparing for retirement”. I didn’t plan to retire until I was 62, but I realized I knew very little about this next phase of my life and I wasn’t 100% confident my husband and I had enough money for me to contemplate retirement at 62.


Does anybody know that magic number? All the normal doubts everyone has were swirling in my mind:


How much money will we need?

When should we take our social security?

Should my spouse take single life or joint life for his pension?

Will we outlive our money?

Do we need to buy Long Term Care Insurance?


It was, to say the least, a bit overwhelming as I’m sure it is to most everyone contemplating retirement around this same age.

I actually thought I was doing all the right things. After our kids left the house, I gradually upped my 401K contribution percent 1% each year with my merit increases until I was maxing out my 401K contributions per IRS limits…. check. I was maxing out the over 55 catch up contribution into my 401K….. check. I felt I was in good shape.


Then I attended several different retirement workshops from different retirement planning services companies on different topics…. check, and still feeling good until I attended one seminar that totally changed the way I was thinking about my retirement. No other retirement planning group was saying what this group was saying and it made total sense. I did some research, and in fact, I was doing all the WRONG things.


The first thing I realized was I should have started much earlier making a retirement roadmap.


The second epiphany was that our retirement savings in employer plans are invested in the market and so they are affected by systematic risk. There is no avoidance of systematic risk, no matter how diversified you think your portfolio is if your savings are invested in the market. Emulating the lower risk strategies like the Yale Endowment Model in balanced portfolio construction and strategically utilizing safe money strategies for a significant percentage of your portfolio to protect your principal from systematic risk are ways to protect your retirement future.


The third big realization is that I have some work to do to redistribute my tax deferred money into more tax advantaged buckets prior to full retirement age to maximize my tax benefits that could help me save 20% of my total retirement savings, if executed strategically. I could save even more if tax rates go up in the future depending on our uncertain election outcomes.

When I learned about these strategies and more, I felt pretty dumb even though I know I'm not. I have some work to do to prior to my retirement, but this is one reason I have now become a licensed specialist in income and retirement planning.


I want to pay it forward and teach others what I have learned and share the strategies I am personally executing on my own portfolio so I can help you can maximize and protect your hard-earned money for retirement.


This way,


  • You will have built a dynamic roadmap for your income & retirement planning with a trusted specialist

  • you understand your plan and your investment in executing your plan

  • you will NOT have to spend 20-30% of your retirement savings on taxes

  • you will pay the very minimum amount of taxes, and if planned properly, the goal would be to pay zero taxes in retirement

  • you will know 100%, without a doubt that you will NOT outlive your money

  • How many people think taxes are going down in the future with the current debt the US has? We are at the lowest tax rates in history right now. In 2026 they are expected to expire. You need to stop deferring your tax burden!


On a more personal note, since the good Lord had a different trajectory for my life, I was in a fortunate position and I definitely planned on enjoying my early retirement from the full-time, corporate work grind with my husband of over twenty years and our family of 5 grown children living nearby when my husband unexpectedly passed away from COVID. What I learned, is it is never too early to start planning for retirement and legacy planning and ensuring you have your estate planning documents in place and up-to-date. My life was completely turned upside down. All the plans we made together were suddenly null and void and I had to revisit all our plans for retirement for my way forward.


I'm fortunate that my retirement roadmap was solid and allowed me this luxury. Yours can too! Don't wait until you are ready to retire to make a plan. You never know when unexpected tragedy will change everything your were working towards!


I’d be happy to assist you with your plan.

Our Services

We offer a full range of services to maximize your income & retirement savings, grow it further, while protecting the principal from systematic risk of the market

Strategic Retirement Planning


Tax Rates are at a historical low now. Don't withdraw your tax deferred money in retirement at a potentially higher tax rate. Find out how to put yourself in the most tax advantaged position now. It is never too early to start making a retirement roadmap

Safe Asset Management


Explore the Power of Zero and find out how to protect your hard earned retirement from all systematic risk of the market.

Alternative Strategies


There are many alternative strategies that are part of constructing a holistic, forward thinking, balanced, portfolio retirement plan.



Offering rollover & conversion strategies to give tax deferred money an opportunity to grow safer returns than those exposed to systematic risk directly invested in the market.

Fixed-Index Annuities


Find out how to set up "pension" like income with interest credits that are indexed to the market that you can't outlive and retire happy and relaxed.

Life Insurance & Long Term Care Insurance


Are you 100% sure you won't need Long Term Care? 70% of people turning 65 today will. With expenses upwards of $8K/mo, LTC could devastate your well-thought out retirement plan if not planned for as part of your financial roadmap.

Plan to pay zero taxes in retirement

Contact US

If you would like to explore safe money strategies to ensure you retire happy and relaxed, contact us today for a no cost, no obligation income & retirement planning consultation

Phone Number*
How did you find us?
Want to explore safe money strategies?

Tracy H. Smith

Licensed Specialist

Flower Mound, TX


Phone: +1 214.808.4437



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 The Bottom Line

Blog topics on a variety of budgeting, retirement, money saving, tax and various other interesting topics.

Who will you be in the future? Imagining the answer can be a challenging mental exercise — and many of us don’t bother trying. A survey from the nonprofit research group Institute for the Future reports that 53 percent of Americans rarely or never think about what their lives could be like in 30 years.


If you’re not giving your future self more than a passing thought, you may want to. Life expectancy is steadily increasing, and you could optimize this longevity by planning for retirement in a new way. Research from Hal Hershfield, an Associate Professor of Marketing, behavioral decision making and psychology at UCLA Anderson School of Management, finds that visualizing our older selves and accounting for your future needs and desires may lead to decisions that can pay off in retirement.


Here are some creative strategies for money, wellness and lifestyle, inspired by Hershfield’s research, to help you envision and prepare for your retirement.


Money: financial planning for your future self
What opportunities and ambitions will you pursue in the future? Will you dive into a second act, try new hobbies or open a small business? Do you want to travel, spend money on grandchildren or build a bigger home to make room for visiting family?


Saving for retirement is tricky for many reasons, but answering questions about your future can help you optimize your savings and face down some common obstacles in financial planning. Even if you’re actively saving, it’s still tough to forecast how much you’ll really need. “People just grossly underestimate health care and long-term care costs in retirement,” says Grant Kvalheim, President and CEO of Athene USA, a provider of fixed annuities. “Plus, many of today’s retirement plans place heavy responsibility on the individual to identify any gaps they may have as they plan their financial futures.”


Consider these ideas to get started:


  • Carve out time. Even if you’re aiming to work as long as possible, it’s smart to plan for a future where that may not happen. Start the process by setting small, actionable goals to help you build financial literacy. For example, research a retirement plan that suits your outlook, schedule time on your calendar to educate yourself and discuss savings strategies with others. Are you currently working with a financial professional? If not, consider meeting with one. If you’re not sure who to see, ask family and friends for recommendations.
  • Do some math. What are your monthly expenses now? What might they be in a decade? How much is required to pay your mortgage, make a car payment and buy food? A monthly figure is easier to grasp and multiplying it can help you estimate the money you’ll need for the life you want.
  • Consider supplementing your 401(k). “We encourage people to have a full financial plan — a great way to save for retirement on top of a 401(k),” says Kvalheim. “A fixed-indexed annuity is pretty unique in replicating some of the features that people used to enjoy in a defined-benefit pension plan, which most people no longer have.”


Wellness: prioritizing health for your retirement
It’s never too early to prioritize physical and emotional wellness, especially if you hope to maintain an active lifestyle in your next chapter. However, just like financial planning, designing a proactive wellness routine that incorporates your future self isn’t always intuitive.


It’s hard to measure how incremental, daily choices — what to eat for lunch, whether to bike or drive, have dessert or abstain — can add up in a big way over time. It’s also challenging to imagine unforeseen health issues or think about how aging’s natural toll might impact the future. Yet, we could actually risk increasing the likelihood of a major health issue disrupting retirement if we disregard future realities.


Try these tips as you think ahead about your health and wellness:


  • Write about it. Craft a thank you note from your future retired self to current self. What healthy habits would you thank yourself for? Maybe it’s cutting out one sweet a week, walking a few extra minutes a day or taking a regular adventure outdoors.
  • Make it easy. Minimize the obstacles that stand in the way of nutrition and exercise. Keep a set of dumbbells near your desk or invest in a stationary bike, for instance, and have wholesome snacks on hand.
  • Treat yourself — in moderation. Indulging every so often can contribute to overall wellness — unless “every so often” becomes every day. Pay attention to the patterns that could undermine your future health.


Lifestyle: cultivating connections for your future
As you position yourself for a fulfilling retirement, savings and health are just part of the equation. Research points to the importance of social groups and meaningful relationships in retirement, especially since the transition can be jarring for some. By nurturing friendships and building strong support systems now, you may be able to preemptively combat potential loneliness or boredom down the road.


  • Exercise gratitude. Write an email to someone who helped you in the past. For both you and the recipient, the gesture could reinforce a lifelong connection that provides joy as you age.
  • Expand your circle. Explore hobbies and social activities outside of your career. Fostering a sense of purpose and having a space to connect with others may potentially ease the transition to retirement.
  • Enjoy today, too. Incorporating your future self into today’s outlook is essential, but it’s also important to value the present with the people you love. Retirement preparedness isn’t only about smart savings and healthy choices. It’s also about making memories that will enrich your golden years. Splurge on a family trip, commit to the home improvement you’ve been dreaming about and indulge in a dinner (and dessert) with friends. Your future self will thank you.


Professor Hershfield sums it up with this advice:
“If we spend some time to actually better envision who we'll be, where we'll be, what we'll be spending our time on, who we'll be spending our time with, then we can start to take the steps necessary to step into our future self’s shoes.”