Turtle Rock Financial
Turtle Rock Financial helps professionals, families, and business owners turn hard-earned money into Tax-Free and Tax-Advantaged retirement income they can actually rely on. Not guesses. Not hype. Real strategies built to protect what you’ve built and pay you when work is optional.
Formerly DL Horton Advisors, we focus on long-term certainty — not market rollercoasters. That means downside protection, predictable income, and smart use of tools like Index Universal Life, Private Pensions, Annuities with Zero-Floor protection, and properly structured 401(k) rollovers.
We help clients lower taxes, plan for healthcare and Long-Term Care costs, and avoid the most common retirement mistake: running out of money while still alive. Because retirement shouldn’t feel like a gamble — it should feel like a plan.
Our Philosophy
At Turtle Rock Financial, we believe most people don’t lose wealth because they didn’t invest aggressively enough — they lose it to taxes, market crashes, and poor income planning. Those three quietly do more damage to retirement plans than almost anything else.
That’s why we don’t start with chasing returns. We start with protecting what you’ve already built.
We help clients move from uncertainty to structure using Tax-Free and Tax-Advantaged strategies designed to create reliable income, reduce unnecessary taxes, and remove the stress that comes from wondering if your money will last.
Our approach uses practical tools like Index Universal Life, Private Pensions, Annuities with Zero-Floor protection, and properly structured 401(k) rollovers to create a financial system — not just a portfolio.
We work with professionals, business owners, and pre-retirees who want their money to do three things:
Pay them predictably in retirement
Stay protected when markets fall
Keep more in their family’s hands instead of the IRS
And for those thinking beyond their own lifetime, we design strategies that support generational wealth transfer without forcing heirs into unnecessary taxes or rushed decisions.
