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Your most important asset is your ability to create an income…
— Mark E. Crites

…Ours is the ability to protect and preserve what you’ve created.
— Michael E. Crites
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First Protect

Financial security means taking uncertainty seriously.


Protect your prosperity

  • Retain an independent disability adviser negotiating on your behalf.

  • Don’t bypass non-cancellable, guaranteed renewable, or “true” own-occupation benefits.

  • Maximize the advantages of underwriting and claim handling advocacy.

  • Be aware of expenses and debt payments, not just income loss for disability coverage.

Protect your business

  • Make sure to adequately fund buy-sell agreements for ownership risk.

  • Resolve conflicting interests between active and inactive owners in advance.

  • Account for costs beyond salary when quantifying potential key employee loss.

  • Don’t wait too long to prepare the company for outside or inside buyers.

Protect your team

  • Recognize and promote the value of individual disability benefits.

  • Capture opportunities to carve out key employees for enhanced benefits.

  • Understand the differences between individual and group plans.

  • Don’t miss real value by assuming all disability contracts are the same.

Protect your family

  • Retain an independent life insurance advisor negotiating on your behalf.

  • Don’t put cost ahead of the value of policy benefits.

  • Recognize the taxation advantages of life insurance assets.

  • Understand the upsides of policy guarantees.


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Then Preserve

Your legacy is the confidence that assets will transfer to the right people at the right time in the right manner at the right cost.


Preserve your assets

  • Set clear goals for family wealth based on clear family values.

  • Anticipate asset growth over generations.

  • Don’t fall into traps when titling assets.

  • Understand tax erosion on retirement assets.

Preserve family harmony

  • Take advantage of gifting and generation-skipping strategies.

  • Remember that equal and fair are different for asset distribution.

  • Don’t neglect safeguards for family members with special needs.

  • Be aware of the impact on estate planning when a spouse remarries.

Preserve your business 

  • Don’t wait too long to groom family members for business ownership.

  • Secure the employment of key people to support next generation owners.

  • Let life insurance resolve active/non-active family owner conflicts.

  • Understand the tax consequences for sellers and buyers.

Preserve your heritage

  • Understand the challenges unearned wealth puts on young heirs.

  • Make a family plan for stewardship of family assets.

  • Use life insurance to expand opportunities for family philanthropy.

  • Don’t complete your estate plan without disclosing decisions to heirs.


Mark Crites

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“Our ability to protect and preserve is a commitment that crosses generations. Crites Insurance Group is built on a multigenerational foundation. Michael Crites is bringing fresh eyes and a passion for the future of our firm.”

Profession

BA, Business, SMU

Founder, Crites Insurance Group, 1985

Chartered Life Underwriter

Chartered Financial Consultant

Passion

SMU Mustangs Pony Express 1982

SMU Cotton Bowl Champions 1983

Kilgore College HOF 2015 & 1980 Team 2018

Kilgore College First Team All-American and Offensive Player of the Year 1981

Memorial High School HOF Class #2 2013

Million Dollar Round Table and Top of the Table 20 years

Park Cities Baptist Church Deacon, Teacher, Usher and Committee Chair

Pride

Martha Crites, wife, mother, Bible teacher, and volunteer 

Mark Crites Jr, Reagan Consulting

Michael Crites, Crites Insurance Group

Mathew Crites, LegacyTexas Bank

Payback

Board memberships…

Salesmanship Club of Dallas

Family Legacy Trust Company 

National Association of Insurance & Financial Advisors 

SMU Cox School of Business Mentoring Program 

SMU Lettermen’s Association & Mustang Club

SMU Athletic Forum Doak Walker Award

Park Cities YMCA Sports Committee


Profession 

B.A., Finance, Dallas Baptist University

Successor, Crites Insurance Group

Financial Advisor, Opes One Advisors

Passion

Park Cities Baptist Church

Pride

4A Golf State Champions, Highland Park High School

4A Golf Individual District Champion, Highland Park High School

Golf Team Captain, Highland Park High School

Payback

Membership…

National Association of Insurance & Advisors

Dallas Baptist University Alumni Association

Highland Park Alumni Association

 

Michael Crites

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“I appreciate the independence Mark has achieved and the benefits that extend to our clients. In an industry of cookie-cutter solutions, we offer knowledge, experience, and exclusivity. One trait that my father instilled in me and my brothers was perseverance. Now I can apply the lessons of perseverance to my work with clients to help them make informed decisions for the future.”

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