More Than Wealth.

We help individuals and families align their finances with what matters most, so they can grow with purpose and plan confidently across generations.

For over 50 years, North Texas Wealth Management has helped individuals and families build purposeful, multi-generational wealth through personalized planning, proactive guidance, and disciplined investment execution.

Our collaborative, tech-forward team provides clarity through life’s transitions and a structured path toward long-term fulfillment.

GET TO KNOW NTX WEALTH
  • 55+ Years

    Founded in 1968

  • Top 1%

    of LPL Advisors*

  • $1B+

    Total Client Assets*

  • 99%

    Client Retention Rate

Why Clients Refer Us

“My wife and I have been with NTW for 13 years and could not be more pleased with their services. From the very first meeting and now 10 years into retirement, I can say that we are grateful to Rob for keeping us on track with our financial goals.”

Gary G1 (06/20/2024)

“Our experience with NTWM has eased our concerns about our future retirement years. Rob and Lillie have been professional and detailed in outlining our financial goals and plans. We feel fortunate to have them assisting us and highly recommend them!”

Joanne R1 (06/20/2024)

“Professional, courteous, and extremely knowledgeable financial professionals at North Texas Wealth Management!”

Andy S1 (06/20/2024)

“Excellent retirement specialists helping us plan for our future! Lots of people I work with use Ricker and continue to recommend them to others.”

Linda D1 (06/20/2024)

“Great team to plan your retirement.”

Mona W1 (06/20/2024)

“We have been using North Texas Wealth Management for many years now. Rob, Lillie and the whole staff make you feel like you were family. Thank you for your professionalism.”

William D1 (06/20/2024)

“Have ‘worked’ with NTWM for 8+ years and they helped get us ready to retire and then ever since (we retired 3 years ago). Cannot thank NTWM enough.”

Paul K1 (06/20/2024)

“My husband and I have been clients of North Texas Wealth Management (formerly Ricker Retirement Specialists) for 15 years since retiring, and we couldn’t be more pleased with the management of our money. When goals change, adjustments are made.”

Nita H1 (06/20/2024)

“My husband Dennis and I placed our financial future in the well-qualified hands of the team at NTWM. We know we made the right decision! Mike Crews, Rob Cody, and Lilli Ware are terrific! We have been clients of both Mike and Rob for 10+ years. My husband and I make “decent” salaries but we’re certainly not the 1%… We were concerned that we didn’t have enough money to engage with a Certified Financial Planner, and I was wrong! We receive the guidance we need to understand what our future will look like, and I’m happy to share we know we’ve made the best choice in NTWM”

Maureen F1 (06/20/2024)

“I would highly recommend Rob and North Texas Wealth Management group. I have been with this group for well over 6 yrs and now I am looking forward to retirement the end of next year thanks to Rob and company at NTWM. Give them a call or stop in. As soon as you enter the doors you are welcomed with a smile and very helpful Admin. Thanks Rob and company.”

Dave P1 (06/20/2024)

“Wonderful people to work with. Been with them since 2014. We are completely satisfied with their service. They are extended family. Met today with Rob and Maddock. Talked about strategy for our portfolio and suggestions made were right on target. It’s a nice feeling to not have worry about who is managing our retirement. High, highly recommend them.”

John F1 (06/20/2024)

“I never could have imagined being so comfortable discussing money, debt, retirement, wants and needs! I am currently working with Seth. He is very knowledgeable and honestly has the most calming voice. He listens so intently to you and any concerns you may have. He truly wants to help you achieve your goals. Please folks, if you need financial help/advice, please go see Seth at North Texas Wealth Management. You will be so happy!”

Sherry H1 (06/20/2024)

“We have been with NTWM for a very long time and cannot be more pleased with Mike Crews and his team. Seth is our financial advisor and is on top of all the latest technology and market changes. They even go above and beyond with tax management!”

Steve B1 (06/20/2024)

“Yearly review in depth explanations of all investment, modeled the investments to show overtime and options available to us. They took time to check what our ideas for the future might be and suggestion on how to accomplish them. Mist of all they took time to get to know us better. Thank you very much”

Dennis C1 (06/20/2024)

“North Texas Wealth Management was the service I had known I needed for years, without knowing who I needed it from. When I finally got serious about getting professional help in determining when I would be ready to retire, recommendations from co-workers led me to NTX. I’ve been very happy with them. They collected and analyzed my personal data, considered our family goals and priorities for retirement, and then laid out their reasoning for saying that I could really retire anytime I wanted. I did finally retire this past summer and am now working with my advisor at NTX to set up my income plan for the coming months and years. The CEO, Mike Crews, wrote the book “Saturday Everyday”, which is an unusually concise and accessible look at the critical factors that play into successfully preparing for retirement. Give it a read, and also strongly consider NTX for your financial advising needs.”

Steven C1 (06/20/2024)

“We have been customers for 9 years. Service was initially focused on retirement planning, all of which turned out better than we anticipated. Now that we are retired, the focus is on account review and financial planning to ensure we have a sufficient resource for our future. Thanks to Seth and Mike for the hard work!”

David C1 (06/20/2024)

Our Approach

A Planning Process Built to Grow With You

Your financial journey extends far beyond a single milestone and unfolds across many chapters of life.
Whether you’re focused on building wealth, moving toward retirement, preparing future generations, or somewhere in between, we help you make informed decisions through a structured, adaptable planning process. With ongoing partnership and clear guidance at every step, you gain the confidence and clarity to move forward with purpose as your life evolves.

EXPLORE OUR APPROACH

Unlock a New Level of Financial Fulfillment

Whether you’re building wealth, moving toward retirement, preparing future generations, or somewhere in between, our advisors help you bring clarity and purpose to your financial decisions. We partner with you through life’s transitions, offering structured guidance that keeps your plan aligned with what matters most as your life evolves.

GET STARTED

Clarity Creates Confidence

Insights That Empower

Explore practical articles, podcasts, and professional guidance designed to help you navigate important financial decisions with purpose.

Media

The New York Times – You Saved and Saved for Retirement. Now You Need a Plan to Cash Out. thumbnail

The New York Times – You Saved and Saved for Retirement. Now You Need a Plan to Cash Out.

Saturday, July 12, 2025

Insights

If You’re Following the 4% Rule, You Might Be Missing Out

For decades, the 4 percent rule has served as a reliable starting point for retirement income planning. Withdraw four percent of your portfolio in year one, adjust that dollar amount for inflation each year, and...

Tuesday, March 10, 2026

Insights

How Much Life Insurance Coverage Do You Need? Understanding the DIME Approach

You may already have life insurance in place.

Thursday, March 05, 2026

Media

The New York Times – What Retirement Accounts Should I Withdraw From First? thumbnail

The New York Times – What Retirement Accounts Should I Withdraw From First?

Monday, December 30, 2024

Media

Mike Crews on ABC Tampa thumbnail

Mike Crews on ABC Tampa

Friday, February 09, 2024

Insights

A Thoughtful Guide to 529 Education Savings Plans

Saving for future education expenses can feel overwhelming, but it doesn’t have to be. A 529 education savings plan offers a flexible, tax-advantaged way to prepare for future costs, whether for your child, grandchild, or...

Friday, January 30, 2026

Podcast

The Value of Perspective: Mark Patey’s Near Death Experience

Tuesday, December 16, 2025

Insights

Financial Planning for New Parents: Budgeting, Saving and Setting Your Baby Up for Success

Learning you are going to be a parent is one of life’s most exhilarating moments.  But soon after the excitement comes a wave of questions: Are we ready?  How will this change our finances?  Smart...

Friday, January 02, 2026

Podcast

How to Talk Finances Across Generations: Estate Planning, Inheritance & Family Wealth

Monday, September 15, 2025

Media

Study: 60% of American Parents Are Using Their Retirement Savings to Pay Their Adult Children’s Bills thumbnail

Study: 60% of American Parents Are Using Their Retirement Savings to Pay Their Adult Children’s Bills

Wednesday, February 07, 2024

Media

American Borrowers Are Getting Closer to Maxing Out: Credit Card Utilization and Delinquency Rates Are on the Rise thumbnail

American Borrowers Are Getting Closer to Maxing Out: Credit Card Utilization and Delinquency Rates Are on the Rise

Friday, December 22, 2023

Insights

Mega Backdoor Roth – Supercharge Your Retirement Savings

High income earners often max out their company retirement plans yet still have money they’d like to stash for the future. A traditional Roth IRA lets you build tax free wealth, but income limits restrict...

Tuesday, October 28, 2025

Podcast

What Your Clothes Say Before You Speak: The Hidden Advantage of Authentic Style with Elisa Ellis

Wednesday, November 19, 2025

Insights

Equity Compensation 101: Turning Stock Grants into Financial Opportunity

Equity compensation isn’t just for Silicon Valley startups—it’s a powerful tool that businesses of all sizes use to recruit, retain, and motivate key employees. When you accept an equity grant, you’re taking partial ownership in...

Thursday, October 16, 2025

Podcast

Money & Marriage: How Couples Can Combine Finances and Build a Fulfilling Future

Thursday, September 11, 2025

Media

Financial experts have predicted a recession, but some unique indicators may tell more thumbnail

Financial experts have predicted a recession, but some unique indicators may tell more

Monday, December 11, 2023

Media

Strategies for Effectively Managing Financial Stress thumbnail

Strategies for Effectively Managing Financial Stress

Wednesday, October 25, 2023

Insights

Navigating Your 401(k) When You Change Jobs

Changing jobs can be an exciting opportunity, but it often leaves one important question unanswered: what happens to your old 401(k)? With millions of Americans switching employers during the “Great Resignation,” many workers leave retirement...

Tuesday, October 07, 2025

Podcast

The GoldFather's Legacy: Lessons From 50 Years in Gold

Wednesday, October 29, 2025

Insights

2025 Tax Relief for American Families and Workers Act: What It Means for You

Congress has passed a sweeping new law — officially titled the Tax Relief for American Families and Workers Act, but often referred to as the “One Big Beautiful Bill.” This legislation brings substantial changes to...

Thursday, August 14, 2025

Podcast

Quiet Millionaires: How Ordinary People Retire Early

Friday, August 22, 2025

Media

The Upcoming Changes in Tax Brackets and How They Could Potentially Affect Taxpayers thumbnail

The Upcoming Changes in Tax Brackets and How They Could Potentially Affect Taxpayers

Friday, October 20, 2023

Media

Longevity and Financial Planning thumbnail

Longevity and Financial Planning

Wednesday, October 18, 2023

Insights

How to Find the Right Financial Planner For You

Putting your hard-earned money in someone else’s hands can feel like a big step—but with the right person, it’s a smart move toward achieving your financial goals. Luckily, our industry is highly regulated, and there...

Monday, July 28, 2025

Podcast

Identity and Purpose Beyond the Uniform: JC Glick & The Commit Foundation

Monday, October 06, 2025

White Papers

Build Your Extraordinary Business – CFO Solutions Whitepaper

Tuesday, April 09, 2024

Podcast

What Happens to Your 401(k) When You Change Jobs?

Friday, August 22, 2025

Media

Inflation: Is it Under Control or Not? thumbnail

Inflation: Is it Under Control or Not?

Wednesday, October 04, 2023

Media

Boomerang Kids: Gen Z Moves in with Parents as Housing Deemed Out of Reach thumbnail

Boomerang Kids: Gen Z Moves in with Parents as Housing Deemed Out of Reach

Monday, September 18, 2023

White Papers

January Is Nearly Over. Have You Done Your Retirement Review?

Saturday, January 27, 2024

White Papers

Bull vs. Bear Market: How to Invest for Success

Wednesday, March 02, 2022

Podcast

Mega Backdoor Roth: How To Supercharge Retirement Savings

Friday, July 18, 2025

Media

Tips to build and optimize your future wealth thumbnail

Tips to build and optimize your future wealth

Monday, March 13, 2023

Media

Mike Crews on CW39 Houston thumbnail

Mike Crews on CW39 Houston

Friday, February 17, 2023

White Papers

Understanding the Pros and Cons of Annuities

Monday, February 07, 2022

White Papers

Top-Down vs. Bottom-Up: Methods of Analyzing Securities

Monday, February 07, 2022

Insights

One Year Later

It’s now been over a year since COVID-19 first hit American shores. While the pandemic has affected everyone to varying degrees, we can all agree that everyone’s life is different today than it was a...

Thursday, March 04, 2021

Insights

The Market is a Weighing Machine

“In the short-term, the market is a popularity contest. In the long-term, the market is a weighing machine.”

Thursday, February 04, 2021

Insights

A Fresh Start

A new year offers a welcomed turn of the calendar and a fresh start. However, it’s difficult to put 2020 completely behind us just yet because the COVID-19 pandemic still presents a significant threat. Healthcare...

Friday, January 08, 2021

Insights

The Votes Are In

The American people have voted, casting a record number of ballots under extraordinary circumstances, which is a testament to the enduring resilience of our democracy. Determining the outcome of our elections is a process, but...

Wednesday, November 04, 2020

Insights

Looking Forward

As we look ahead to the summer months, we can’t help but think what a challenging year it’s been so far. At the same time, we’re encouraged by the resiliency and accelerated innovation among US...

Friday, June 12, 2020

Insights

Never Confuse a Single Defeat with a Final Defeat

“Never confuse a single defeat with a final defeat.”

Friday, May 22, 2020

Insights

Starting the New Year Strong

Happy New Year! What a difference a year makes. One year ago the stock market was plunging and came perilously close to ending what has become the longest bull market ever recorded. In December 2018, dropping...

Tuesday, January 07, 2020

Insights

If You’re Following the 4% Rule, You Might Be Missing Out

For decades, the 4 percent rule has served as a reliable starting point for retirement income planning. Withdraw four percent of your portfolio in year one, adjust that dollar amount for inflation each year, and...

Tuesday, March 10, 2026

Insights

How Much Life Insurance Coverage Do You Need? Understanding the DIME Approach

You may already have life insurance in place.

Thursday, March 05, 2026

Insights

A Thoughtful Guide to 529 Education Savings Plans

Saving for future education expenses can feel overwhelming, but it doesn’t have to be. A 529 education savings plan offers a flexible, tax-advantaged way to prepare for future costs, whether for your child, grandchild, or...

Friday, January 30, 2026

Insights

Financial Planning for New Parents: Budgeting, Saving and Setting Your Baby Up for Success

Learning you are going to be a parent is one of life’s most exhilarating moments.  But soon after the excitement comes a wave of questions: Are we ready?  How will this change our finances?  Smart...

Friday, January 02, 2026

Insights

Mega Backdoor Roth – Supercharge Your Retirement Savings

High income earners often max out their company retirement plans yet still have money they’d like to stash for the future. A traditional Roth IRA lets you build tax free wealth, but income limits restrict...

Tuesday, October 28, 2025

Insights

Equity Compensation 101: Turning Stock Grants into Financial Opportunity

Equity compensation isn’t just for Silicon Valley startups—it’s a powerful tool that businesses of all sizes use to recruit, retain, and motivate key employees. When you accept an equity grant, you’re taking partial ownership in...

Thursday, October 16, 2025

Insights

Navigating Your 401(k) When You Change Jobs

Changing jobs can be an exciting opportunity, but it often leaves one important question unanswered: what happens to your old 401(k)? With millions of Americans switching employers during the “Great Resignation,” many workers leave retirement...

Tuesday, October 07, 2025

Insights

2025 Tax Relief for American Families and Workers Act: What It Means for You

Congress has passed a sweeping new law — officially titled the Tax Relief for American Families and Workers Act, but often referred to as the “One Big Beautiful Bill.” This legislation brings substantial changes to...

Thursday, August 14, 2025

Insights

How to Find the Right Financial Planner For You

Putting your hard-earned money in someone else’s hands can feel like a big step—but with the right person, it’s a smart move toward achieving your financial goals. Luckily, our industry is highly regulated, and there...

Monday, July 28, 2025

Insights

One Year Later

It’s now been over a year since COVID-19 first hit American shores. While the pandemic has affected everyone to varying degrees, we can all agree that everyone’s life is different today than it was a...

Thursday, March 04, 2021

Insights

The Market is a Weighing Machine

“In the short-term, the market is a popularity contest. In the long-term, the market is a weighing machine.”

Thursday, February 04, 2021

Insights

A Fresh Start

A new year offers a welcomed turn of the calendar and a fresh start. However, it’s difficult to put 2020 completely behind us just yet because the COVID-19 pandemic still presents a significant threat. Healthcare...

Friday, January 08, 2021

Insights

The Votes Are In

The American people have voted, casting a record number of ballots under extraordinary circumstances, which is a testament to the enduring resilience of our democracy. Determining the outcome of our elections is a process, but...

Wednesday, November 04, 2020

Insights

Looking Forward

As we look ahead to the summer months, we can’t help but think what a challenging year it’s been so far. At the same time, we’re encouraged by the resiliency and accelerated innovation among US...

Friday, June 12, 2020

Insights

Never Confuse a Single Defeat with a Final Defeat

“Never confuse a single defeat with a final defeat.”

Friday, May 22, 2020

Insights

Starting the New Year Strong

Happy New Year! What a difference a year makes. One year ago the stock market was plunging and came perilously close to ending what has become the longest bull market ever recorded. In December 2018, dropping...

Tuesday, January 07, 2020