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Deferred Sales Trust
A Deferred Sales Trust (DST) is a tax-deferral strategy that allows sellers to defer capital gains taxes on the sale of appreciated assets by placing proceeds into a trust. It provides flexibility for reinvestment while preserving wealth and managing tax liability.
Financial Planning
Financial Planning is the process of creating a comprehensive strategy to manage your finances, align spending, saving, and investing with your goals. It helps optimize wealth growth, reduce risks, and achieve short- and long-term financial objectives.
Premium Financed Life Insurance
Premium Financed Life Insurance is a strategy where the policyholder borrows funds to pay life insurance premiums, allowing access to high-value coverage without using personal capital.
About Reference Financial
With nearly 20 years practicing as Agency Broker for the Reference companies, Sean holds insurance licenses in over 30 states. He also is FINRA registered with a Series 65 license. After graduating from Jesuit College Prep of Dallas, Sean attended Sewanee: The University of the South, receiving a BA in Economics.
Moving to Rockwall in 2008, Sean has seen the city grow. A member of the Chamber of Commerce, Sean Is a proud resident of Rockwall and dedicated member of the community along with soon to be spouse, Dr. Eva Mackey owner of Rockwall’s GEM MD. Combined we have a blended family, with 5 great kids.
I am proud to partner with the smartest people in the industry. Christian Kelso, JD assists Reference Companies clients in legal matters, BKA Wealth Management performs 401k set ups, Matt Peisker manages client’s assets, Walter Virden is the CPA we refer to business owners, and Traci Hutchinson, who I have been working with for over 15 years is the smartest person I know in Medicare.
The Reference Companies are here to listen to you. Let us put together your estate planning.
