Build Wealth With Strategy — Not Hope
Tax-advantaged growth. Guaranteed income. Debt elimination. Long-term control.
Serving families in Ardmore and surrounding Oklahoma & North Texas communities.
Why Wealth Planning Matters
Most people are:
Saving randomly
Investing emotionally
Carrying debt longer than necessary
Hoping retirement “works out”
We take a structured approach.
At Tubbs Agency, wealth planning is about:
Control
Protection
Tax efficiency
Predictable income
Strategic leverage
We don’t gamble. We design.
Why Wealth Planning Matters
Most people are:
Saving randomly
Investing emotionally
Carrying debt longer than necessary
Hoping retirement “works out”
We take a structured approach.
At Tubbs Agency, wealth planning is about:
Control
Protection
Tax efficiency
Predictable income
Strategic leverage
We don’t gamble. We design.
Annuities – Guaranteed Income & Protected Growth
Annuities are designed to:
Protect principal
Provide predictable growth
Create lifetime income
Reduce market exposure
Types We Help With:
Fixed Annuities
Indexed Annuities
Immediate Income Annuities
Who They’re For:
Pre-retirees (50+)
People rolling over 401(k)s or IRAs
Business owners wanting safe growth
Anyone wanting guaranteed retirement income
Infinite Banking - Become Your Own Bank
This strategy uses properly structured whole life insurance to:
Build tax-advantaged cash value
Borrow against yourself instead of banks
Fund large purchases strategically
Recapture interest instead of paying it away
Why People Use It:
Real estate investors
Business owners
Families funding vehicles or major expenses
Long-term legacy planning
It’s not about replacing your investments.
It’s about adding a financial control system.
Debt Free Life – Accelerate Debt Elimination
This strategy helps you:
Eliminate mortgage faster
Reduce interest paid over time
Reallocate money efficiently
Increase long-term liquidity
Instead of blindly making extra payments, we build a structured payoff model that:
Maintains flexibility
Keeps cash accessible
Improves overall financial positioning
Best For:
Mortgage holders
High-income earners
Families wanting to build wealth faster
Anyone tired of being owned by debt
Frequently Asked Questions
What’s the difference between annuities and investments?
Annuities prioritize protection and guaranteed income.
Investments prioritize growth and risk exposure.
Is Infinite Banking risky?
When structured properly with strong mutual carriers, it’s a conservative, long-term strategy.
How Does Infinite Banking work??
Infinite Banking is a strategy that uses a properly structured whole life insurance policy to build cash value you can borrow against while your money continues to grow.
Here’s how it works:
1. You fund a specially designed whole life policy.
2. The policy builds guaranteed cash value over time.
3. You can borrow against that cash value for things like vehicles, investments, or business expenses.
4. Instead of paying interest to a bank, you repay the loan back into your own policy.
5. Your policy continues earning dividends and compounding even while you use the money.
The goal isn’t to replace traditional investments — it’s to create a personal banking system that gives you liquidity, control, and long-term tax advantages.
When structured correctly, Infinite Banking provides:
- Guaranteed growth components
- Tax-advantaged accumulation
- Flexible access to capital
- Long-term legacy planning
It’s a strategic financial tool — not a shortcut or get-rich-quick concept.
Is Debt Free Life just refinancing?
No. It’s a structured debt acceleration and liquidity strategy — not a rate play.
Think Dave Ramsey meets Robert Kiyosaki
Do I need a lot of money to start?
No. Strategy matters more than income level.
Testimonials
Trusted by Thousands
From insurance to retirement, we provide end-to-end guidance tailored to your unique situation.
About Us
Why Choose The Tubbs Agency
Personalized Coverage. Local Expertise. Trusted Support.
We believe insurance shouldn’t be stressful. Whether you’re unsure what coverage you need or want a comprehensive review of your policies, our team in Ardmore is here to help you make the best decisions for your family.
As fiduciaries, we're legally bound to act in your best interest. This isn't just a business model—it's our promise to you and your family's financial future.
5+
Years Experience
2,500+
Clients Served
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The Tubbs Agency is a trusted insurance agency based in Ardmore, Oklahoma, proudly serving clients in Ardmore, Durant, Ada, Madill, Sulphur, Davis, Lone Grove, Tishomingo, Kingston, Marietta, Texoma, and surrounding Southern Oklahoma communities.
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