Vol. 03 · Bedford, Texas · Independent Retirement Planning

Retirement, honestly.

For 44 years in Texas.

Ryan Moore on income, taxes, Social Security, and the five pillars every Texas family needs before they retire. Heard Saturdays on News Radio 1080 KRLD — and on demand wherever you listen.

Get the Free Income Floor Guide

Listen to an Episode

KRLD

News Radio 1080

CBS DFW

TV Appearances

44 Years

Independent · Est. 1982

Bedford, TX

Statewide Practice

The Framework

Every solid retirement stands on five pillars.

Not products. Not gimmicks. A framework built over four decades advising Texas families through every market cycle, every tax change, every life event. If any one of these is missing — your plan isn’t a plan.

01

Floor

Income You Can’t Outlive

Guaranteed lifetime income streams designed to cover essential expenses — Social Security optimization, pensions, and protected income vehicles.

02

Engine

Growth That Keeps Up

Investment portfolios that fight inflation and grow discretionary wealth without putting your floor at risk.

03

Shield

Tax & Risk Protection

Roth conversions, tax-loss harvesting, healthcare planning, risk mitigation. Keep more of what you earned.

04

Life

The Years You Worked For

Healthcare, long-term care, lifestyle, travel. Retirement is not the end. It’s the part you saved for.

05

Legacy

What You Leave Behind

Estate planning, generational wealth transfer, charitable giving. Protecting what you built for the next generation.

Complimentary · For Texas Listeners

The Retirement Income Floor Guide.

A plain-English guide that walks through the framework Ryan uses with TBS clients. Built for Texas pre-retirees and retirees with $250K+ saved.

01:

How to calculate your real income floor — line by line

02:

The Social Security claiming math no one shows you

03:

Roth conversion windows: when, how much, why

04:

Tax-efficient withdrawal sequencing in retirement

05:

How to stress-test your plan against a 2008-style year

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Recent Episodes

Listen on your drive home.

In Person · Complimentary Dinner

Sit down with Ryan over a steak.

Quarterly evening workshops at private dining rooms across DFW. Real education, no obligation. Reserved for couples within ten years of retirement.

Join the Workshop List

Who You’re Working With

Built in Lubbock. Grown across Texas.

Ryan Moore is the founder of Total Benefit Services, an independent retirement and estate planning firm established in 1982. What started in Lubbock serving West Texas families has grown into a statewide practice headquartered in Bedford.

Ryan hosts Moore Money on News Radio 1080 KRLD, has appeared on CBS DFW, and has spent four decades helping Texans build retirement plans that don’t break when markets do.

“Retirement isn’t a product. It’s a math problem with a family attached to it.”

Read Ryan’s Full Story

Ryan Moore

Founder · TBS Retirement Planning

Ready for a real conversation?

Schedule a complimentary 30-minute consultation. In our Bedford office, or wherever you’re comfortable. No sales pitch.

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(817) 786-1010