​YOUR GAMEPLAN FOR FINANCIAL SUCCESS
​Rooted in Education. Built for Business. Born in Texas, Serving Clients Nationwide.

Retirement planning, group benefits, life insurance, and the SIMRP plan — tailored for school districts and private businesses since 2001.

How can we help you today?

Built for the People Who Build Our Future

Since 2001, XO Financial has been the trusted financial partner for teachers, coaches, and school districts — starting right here in Texas and now serving educators and districts across the country. From retirement planning and district benefits to the innovative SIMRP plan, we understand the unique needs of the education community like no one else​

See What XO Financial Can Do For You
Whether you're a teacher planning for retirement, a district looking to maximize employee benefits, or a business owner protecting your team, we have a solution built for you. For Educators & Districts: Retirement Planning · 403(b) / 457(b) / TSA Accounts · SIMRP · Life & Final Expense Insurance For Business Owners: Group Benefits · Preventative Care · Direct Primary Care · IUL · PEO Services through PrestigePEO

About Our Agency

Since 2001, XO Financial has been helping educators, school districts, and business owners build financial security — starting in Texas and now serving clients nationwide. We specialize in the products and plans that matter most to our clients: retirement planning, SIMRP, group benefits, and life insurance. When you work with XO Financial, you're not just a policy number — you're family.

Who We Serve

Educators & School Districts

From retirement planning and SIMRP implementation to life insurance and 403(b) accounts, XO Financial is the trusted financial partner for Texas educators and school districts. We understand your unique needs — and we've been serving the education community since 2001.

​Business Owners

Whether you need group benefits, preventative care, direct primary care, or PEO services, XO Financial has the solutions to protect your team and your business. We work with businesses of all sizes across Texas and nationwide.
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What Our Clients Are Saying

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I have been a client of Colby and Cody since my days in Elgin in 1998. I would not be where I am financially without their expert advice.

Richard Lock Athletic Director / Head Football Coach, Southside ISD
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Sean Roper is wonderful to work with as he is very knowledgeable and understands the best way to make your money work for you and your family. He went above and beyond to help me find the perfect solution to help reach my financial goals. I would highly recommend XO Financial to anyone that is wanting to make their money work for them.

Brent Mascheck Athletic Director / Head Football Coach, Flatonia ISD
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In today's world it's hard to find financial help that understands the needs of coaches. XO Financial group is built for coaches. They know how important relationships are for success on the field and they apply those same ideas to your financial needs.

Mike Adams Athletic Director / Head Football Coach, Giddings ISD

​Read More Testimonials  >​

Latest Insights from XO Financial

Contact Us Today
Phone: (888) 528-4511
Email: [email protected]

Location:
13341 W US Highway 290,
​Building 2, Austin, TX 78737

Agency Hours:
Monday - Friday: 8:00am - 5:00pm

We're proud to represent great insurance carriers like: