Travis LaFaitte helps families in New Braunfels, San Antonio, Austin, Seguin, Kyle & Wimberley lock in zero-loss growth, guaranteed lifetime income, and Medicare coverage they actually understand.
Independent access to 30+ top-rated carriers — including
Watch · 9 Minutes · No Pitch
Travis explains annuities the way he would to a family member — plain English, real numbers, zero pressure. 9 minutes. This is the same talk he gives at his free workshops.
What Travis Helps You With
Every client situation is different. Travis will help you figure out which of these makes sense for you — honestly, without pressure.
Lock in guaranteed growth and income you can't outlive — without the risk of losing your savings to a market crash.
A life insurance policy that builds tax-free cash value — with growth linked to market indexes but protected from losses.
Turning 65 or approaching retirement? Navigate Medicare Parts A, B, C, and D — and find the right supplement or Advantage plan.
Why It Matters
Most agents are captive — they can only sell products from one company. That means their recommendation is limited before the conversation even starts. Travis is an independent advisor licensed with 30+ carriers, which means he shops the entire market to find what actually fits your situation.
There are no sales quotas, no products to push, and no incentive to recommend something that isn't right for you. If an annuity isn't the right fit, Travis will tell you — and point you in a better direction. That honesty is why clients send their friends and family.
Who Travis Helps
Travis works with Texans from all walks of life. Here's what some of them were facing — and where they landed.
"My pension covered the basics, but I needed more. Travis set up an annuity that adds a guaranteed monthly check on top of it — no matter how long I live."
✓ Guaranteed Paycheck"I had a 401k and nothing else. Travis showed me how to build completely tax-free income with an IUL while I'm still working. Game changer."
✓ IUL Tax-Free Growth"My neighbor lost $96,000 in 2022. I lost nothing. The zero-loss floor is real — I sleep at night knowing my retirement income is safe."
✓ Protected Principal"Travis told us honestly that one product wasn't right for us yet. That level of honesty is exactly why we came back six months later when our situation changed."
✓ Honest Guidance"Medicare was completely overwhelming. Travis walked me through every option in 30 minutes — no charge, no pressure, just clear answers."
✓ Medicare SortedUnderstanding Annuities
An annuity is a contract with an insurance company. You give them a lump sum, and in return they guarantee either growth (deferred annuity) or a steady income stream (income annuity). It's the closest thing to a personal pension available today.
Most Americans retire relying almost entirely on 401(k)s and IRAs — accounts that have no floor when the market drops. A bad sequence of returns in your first few years of retirement can permanently damage your plan. Annuities exist to solve that problem.
Travis only works with fixed and fixed indexed annuities — the types where your principal is guaranteed. No variable annuities. No gambling with your retirement savings.
Your account can never go down due to market performance. Zero is your floor — gains keep, losses don't.
Optional income riders turn your annuity into a guaranteed paycheck for life — no matter how long you live.
Growth compounds without annual IRS cuts. You defer taxes until withdrawal — maximizing what's in your account.
Three Types Worth Knowing
Travis works with all three. The right one depends entirely on your age, savings, and goals.
A guaranteed interest rate for a set term — predictable growth with zero market exposure. Think: a better CD from an insurance company with higher rates.
Best for: conservative savers who want guaranteed, predictable growth.
Growth linked to a market index (like the S&P 500) with a zero-loss floor. You participate in gains up to a cap, and never lose value when markets drop.
Best for: those who want growth potential with full downside protection.
Converts a lump sum into a guaranteed monthly income stream for life. The modern replacement for the pension most Americans no longer have.
Best for: those who need predictable monthly income in retirement.
Indexed Universal Life Insurance
An IUL isn't just life insurance. It's a powerful tax-free wealth-building tool that can outperform an annuity in the right situation.
An Indexed Universal Life (IUL) policy is a permanent life insurance contract that builds tax-free cash value over time. Like a fixed indexed annuity, growth is linked to a market index — but your account never loses value when markets drop.
The key difference: money inside an IUL grows tax-free AND comes out tax-free as a retirement income stream — making it especially powerful for people in higher tax brackets or those who expect taxes to rise.
Travis will help you figure out whether an annuity, an IUL, or a combination of both is the right move for your situation.
Cash value grows without annual tax drag — and distributions in retirement are also tax-free when structured correctly.
Gains are credited based on index performance up to a cap. Your account floor is zero — markets drop, you don't.
Many IULs include living benefit riders — access to your death benefit early in cases of chronic illness, terminal illness, or critical illness.
Your beneficiaries receive an income-tax-free death benefit — one of the most efficient ways to pass wealth to the next generation.
IUL works best when: you're still working, paying taxes, want tax-free retirement income, or need life insurance protection alongside growth.
Medicare Planning
Turning 65 is a critical enrollment window. Miss it and you could face permanent penalties. Travis helps you understand your options and choose coverage that actually fits your life.
Covers inpatient hospital stays, skilled nursing, hospice, and some home health care. Most people get this premium-free.
Covers doctor visits, outpatient care, preventive services, and medical equipment. Monthly premium required.
Medicare Advantage bundles Parts A & B (plus often D) through a private insurer. Often includes dental, vision, and hearing.
Covers prescription drugs. Offered through private plans. Critical for managing medication costs in retirement.
How Travis Helps
This is the biggest decision most people face at 65. Original Medicare (Parts A & B) plus a Medigap supplement gives you broad access to any doctor or hospital — but costs more in premiums. Medicare Advantage (Part C) often has lower premiums but uses networks.
The right choice depends on your health, your doctors, your prescriptions, and your budget. Travis will walk through both options honestly — with no bias toward one plan over another.
He also helps with late enrollment penalty avoidance, understanding the Initial Enrollment Period (IEP), and coordinating Medicare with employer coverage.
Turning 65 in the next 12 months? Book a free 30-minute call with Travis before your enrollment window opens.
Book My Free Medicare Call →About Travis
Travis LaFaitte is a licensed insurance professional based in New Braunfels, Texas, specializing in retirement income strategies — annuities, IULs, and Medicare. He founded LaFit Retirement on a single principle: every client deserves honest answers, not a sales pitch.
As an independent advisor, Travis has no allegiance to any single insurance company. He shops the market across 30+ top-rated carriers to find the product that truly fits each client's situation — and he's not afraid to tell someone when nothing he offers is the right move.
Travis runs free workshops Monday through Friday at 11am CST, offers free 1-on-1 strategy calls, and responds personally to every email and call. No call centers. No junior advisors. Just Travis.
Schedule Time With Travis
Every consultation is personal. Travis runs every call himself — no call centers, no junior advisors, no sales quotas.
Join Travis live on Zoom, Monday through Friday at 11am CST. This 60-minute session covers the 5 biggest risks to your retirement and how to protect against each one.
✓ Mon–Fri · 11am CST · 60 minutes · Free · No obligation
This is a private, personal call with Travis. He'll look at your actual situation — your savings, your income needs, your tax picture — and give you an honest answer about what strategies actually make sense for you.
✓ Available mornings & afternoons · Zoom or phone · Texas residents
Get Your Free Retirement Assessment
Answer 17 quick questions. Travis's system instantly scores your situation and sends you a personalized assessment — along with educational emails matched to where you stand.
🔒 Your information is private and will never be sold or shared with third parties.
17 questions. Instant result. Travis personally reviews every submission and follows up with guidance built around your answers.
Takes about 60 seconds · No payment required
What Families Say
"Travis explained the difference between annuity types in a way that finally made sense. No jargon, no pressure — just honest answers. We walked away with a clear plan."
"I was skeptical about annuities. After talking with Travis, I understood exactly what I was getting — the zero loss floor sold me. My neighbor lost $96,000 in 2022. I lost nothing."
"Travis told me an annuity wasn't the right fit for my situation yet — and walked me through what was. That kind of honesty is why I sent three friends to him."
Common Questions
Take the free quiz, reserve a seat at the next workshop, or book a private 30-minute strategy call. Travis will give you an honest, personal answer — no jargon, no obligation.
