Radio Show

Isn't it time to stop taking unnecessary risk?

Why Aren't You Using "Safe Money" Strategies in Your Retirement Portfolio?

"That's The Bottom Line" is brought to you Sundays at 11am Central 
and "The Bottom Line Update" Monday thru Friday daily during Michael Berry 6-8pm on NewsTalk 560AM KLVI

Mr. Hickman and Mr. Vallorani are both Registered Financial Consultants with:


You can reach them during the week 8:30AM to 5PM Monday through Friday toll-free at 1 (866) 728-3697 in Texas and Louisiana and at 840-6900 if you're local to Beaumont!  

We Know Retirement.

Gene Vallorani
More about Gene
Heard on News Talk 560AM KLVI
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Todd Hickman
More about Todd

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our past few shows via the podcast!

Best Way to File Your Income Taxes


As featured on Fox 4 TV's "The Cost 4 Convenience" series

Make sure you don't outlive your retirement money.
Give us a call today at 1-866-728-3697!

Disclaimer: Everyone's situation is different. This site does not give and is not intended to give specific legal, accounting nor tax advice. Please consult with your own accounting, legal and/or tax professional.

Neither Mr. Hickman nor Mr. Vallorani can respond to questions received on air or via any email request for guidance on individual securities.  Not every investment is suitable for your particular situation.  Be sure to consult with your investment professional before making any investment decision.

How Much Will You Have?
Initial Deposit Amount: $
Monthly Contribution: $
Assumed Annual Return: %
Number of years:

Find out how to guarantee your income!
Call today. 1-866-728-3697 or 409-840-6900

Todd Hickman, RFC, began his career in financial services in 1987.  Todd's past experience as a retail stock broker, investment advisor and as a past corporate officer with a NASDAQ publicly traded company has given Todd a unique perspective to seeing things from both a "client side" as well as the "institutional side." Todd is a Registered Financial Consultant, a professional designation granted by the International Association of Registered Financial Consultants.  Todd is a past Director and Board Member of the local association of the National Association of Insurance and Financial Advisors.  He is also a former member of the Beaumont Estate Planning Council and a former volunteer Certified Ombudsman with the State of Texas Long-Term Care Ombudsman Program, part of The Texas Department on Aging.  Todd recently served on the board of the Beaumont Crime Stoppers.  You can contact Todd at his office at (409) 840-6900. Mr. Hickman is an Investment Advisor Representative with Texas Registered Financial Consultants, PLLC. Fee based financial planning and investment advisory services are offered by Texas Registered Financial Consultants, PLLC, a Registered Investment Advisor in the State of Texas. Insurance products and services are offered through Asset Growth Associates. Tax preparation and accounting services are provided by AGA Tax and Retirement Advisors. Texas Registered Financial Consultants, PLLC, Asset Growth Associates and AGA Tax and Retirement Advisors are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Texas or where otherwise legally permitted.

Gene Vallorani, RFC, began his financial services career in West Virginia as a life insurance sales representative in 1975 and became a registered representative in 1982.  He moved his family to Texas in 1989.  He earned a bachelor of arts degree from Salem College in Salem, West Virginia after being honorably discharged from the United States Marine Corps in 1966.  Gene is also a Registered Financial Consultant.  Gene especially likes to help pre-retirees and retirees plan properly.  "The biggest challenge retirees have is making sure they don't outlive their income," he says.  Gene also enjoys working with young families as well by helping them prepare for the future.  He is a past president of the Clarksburg, West Virginia Life Underwriters, past president of North Central West Virginia GAMA and he is also involved in various charities locally.  You can contact Gene at his office at (409) 840-6900.