Build and Protect Your Wealth with New Generations Financial
Independent financial and insurance guidance for San Antonio, TX, and clients from across the United States — retirement income, asset defense and legacy planning explained in plain English, with dozens of A-rated carriers compared on your behalf.
Your Trusted Partners in Wealth and Legacy Building
At New Generations Financial, led by Alan & Beth Smithey, we believe that true financial peace of mind is rooted in comprehensive Financial Planning and a deep understanding of your unique life goals. We are a dedicated financial services firm committed to helping individuals and families navigate the complexities of wealth accumulation, asset defense, and legacy creation. With a strong foundation built on transparency, integrity, and decades of industry experience, our clients trust us to look out for their best interests at every turn.
We don’t just offer policies; we build highly personalized strategies—spanning from Life Insurance to Estate Planning—designed to safeguard your hard-earned assets and ensure your family thrives for generations to come. Our unwavering commitment to customer satisfaction means we are always by your side, adapting your financial roadmap as your life naturally evolves.
Navigating the financial landscape can often feel overwhelming, but you do not have to make these critical decisions alone. Whether you are looking for robust Home Mortgage and Equity Protection, striving for a secure retirement, or simply ensuring your family is insulated from an unexpected emergency, Alan & Beth Smithey at New Generations Financial are ready to listen. We provide the supportive, clear, and reassuring guidance you need to overcome immediate financial challenges and step into your future with absolute confidence.
Why families across Texas and the U.S. trust Alan & Beth Smithey
New Generations Financial is family-owned and independent. We are not tied to one insurance company or one investment product, so our recommendations start with your household budget, health and timeline — not a quota. Clients regularly tell us the same thing: for the first time, they actually understand what they own and why.
Dozens of A-rated carriers compared side by side before you sign anything.
Family-owned
You work directly with Alan and Beth — not a rotating call-center rep.
Open when you are
Weeknights until 8 PM, Saturdays 9–5 and Sundays 1–5.
We come to you
We meet in the comfort of your home or by private Zoom — serving all of Texas and the United States.
Service areas
How we protect and grow what you have built
Everything we offer comes directly from Alan & Beth Smithey — one family-owned team covering fixed index and income annuities, life insurance, mortgage and equity protection, financial and retirement planning, estate planning, and Medicare Supplement and Medicare Advantage plans. Here is how each one works for you.
Annuities
Planning for a retirement that lasts as long as you do requires a strategy that goes far beyond traditional savings accounts or unpredictable stock market investments. At New Generations Financial, we help our clients harness the powerful benefits of Annuities to create a reliable, guaranteed income stream for their golden years. An annuity is a unique contract with an insurance company designed to grow your wealth on a tax-deferred basis and later distribute that money to you as a steady, dependable paycheck during retirement. Imagine a retirement where market crashes make headlines but never touch your savings — where your money still captures a share of market gains, locks them in every year, and can never go backward because of a downturn. That is the power of a fixed index annuity. Pair it with an income annuity and you get a paycheck guaranteed for life, no matter how long you live. Many of our clients have also received upfront bonus money on their deposits. Alan & Beth Smithey understand that the greatest concern most people face as they age is the fear of outliving their hard-earned assets. By incorporating top-tier fixed index and income annuities into your broader financial portfolio, we effectively remove that fear, providing a concrete layer of financial security that allows you to truly enjoy the lifestyle you have worked so hard to achieve.
Life Insurance is the absolute foundation of any sound financial plan, acting as a crucial safety net that catches your loved ones if the unthinkable happens. At New Generations Financial, we view Life Insurance not just as a standard policy, but as an act of profound love and responsibility. If you were to pass away unexpectedly, the emotional devastation your family faces should never be compounded by financial ruin. Alan & Beth Smithey are deeply committed to helping individuals and families secure the exact right amount of coverage to replace lost income, cover outstanding debts, and ensure that everyday living expenses are effortlessly managed. Whether navigating affordable term life options or exploring the lifelong cash-value benefits of whole and universal life, we advocate for you to ensure your legacy of care endures.
For most families, a home is far more than just a place to live; it is their most valuable financial asset. However, if a primary breadwinner were to unexpectedly pass away or suffer a severe medical event, the heavy burden of a monthly mortgage payment could quickly threaten that sanctuary. New Generations Financial specializes in Mortgage Protection & Equity Protection, offering strategic insurance solutions designed specifically to pay off or pay down your home loan in the event of a tragedy. Alan & Beth Smithey believe that a grieving family should never face the terrifying prospect of foreclosure. By implementing robust Mortgage Protection & Equity Protection policies—many of which feature living benefits for critical illnesses—we deliver the peace of mind that your home will always remain a safe haven.
Safeguarding Your Greatest Asset: Home Equity Defense
Your home is much more than physical walls; over the years, it silently grows into one of your most substantial financial assets. However, this hard-earned equity is highly vulnerable to life's unexpected curveballs, such as a severe medical diagnosis or critical injury that could force a family to drain their home's value just to stay afloat. At New Generations Financial, Alan & Beth Smithey are passionate about helping you build a protective fortress around your property's value through dedicated Home Mortgage and Equity Protection. Instead of taking out risky second mortgages during a crisis, we utilize specialized policies equipped with living benefits that create an independent pool of money for medical emergencies. This premier Home Mortgage and Equity Protection strategy ensures that the generational wealth you've built into your property remains entirely untouched and secure.
Comprehensive Wealth Strategies for Every Stage of Life
Many people mistakenly believe that professional wealth management is reserved exclusively for the ultra-wealthy. In reality, establishing a clear, actionable roadmap through dedicated Financial Planning is essential for anyone who wants to take control of their future and eliminate money-related stress. At New Generations Financial, Alan & Beth Smithey serve as your dedicated partners, offering a holistic approach to Financial Planning that looks far beyond basic budgeting. We conduct a comprehensive review of your current cash flow, outstanding debts, savings strategies, and existing insurance to identify hidden inefficiencies and uncover new growth opportunities. As your life dynamically evolves through career changes, growing families, and market shifts, our proactive Financial Planning services ensure your strategy remains perfectly aligned with your immediate needs and ultimate dreams.
Designing a Confident and Joyful Retirement Journey
The transition from your working years into retirement marks one of the most significant financial shifts of your entire life. Shifting from wealth accumulation to income distribution can bring a wave of anxiety, especially when factoring in stock market volatility and rising healthcare costs. At New Generations Financial, Alan & Beth Smithey specialize in expert Retirement Planning designed to take the fear out of this transition. A successful strategy requires a careful balancing act between continued growth and strict capital preservation. Through meticulous Retirement Planning, we implement "safe money" strategies that shield your principal from market losses while providing opportunities for steady, reliable growth. We optimize your withdrawal strategies to minimize tax burdens so you can spend your golden years focusing on what truly brings you joy.
Securing Your Legacy with Thoughtful Estate Strategies
Too often, people assume that organizing their final affairs is something that can be put off until later in life. However, at New Generations Financial, we know that proactive Estate Planning is essential to protecting your family from future conflict, probate courts, and financial hardship. Alan & Beth Smithey are dedicated to helping you establish comprehensive Estate Planning strategies that ensure your final wishes are strictly honored, your assets are seamlessly transferred, and your family is cared for exactly as you intend. We help you explore the strategic use of life insurance to create immediate liquidity for heirs and ensure your beneficiary designations across all accounts are meticulously updated. Let us help you organize a lasting legacy that minimizes tax burdens and secures your family's harmony.
Medicare Supplement & Medicare Advantage Made Simple
Navigating Medicare can feel like a maze of letters, parts and deadlines — and one wrong choice can cost you for years. At New Generations Financial, Alan & Beth Smithey make it simple. We compare Medicare Supplement (Medigap) plans, which fill the gaps in Original Medicare and let you see any Medicare-accepting doctor nationwide, with Medicare Advantage plans, which bundle hospital, medical and often prescription, dental and vision coverage into one low-cost plan. We confirm your doctors and prescriptions are covered, explain every option in plain English, and handle your enrollment on time — with no fees, ever. Whether you are turning 65, retiring from an employer plan or simply paying too much today, we help you choose Medicare coverage with complete confidence.
Taking the first step toward lasting financial security is easier than you think. We invite you to reach out to New Generations Financial for a no-obligation, complimentary consultation — and we never charge fees, ever. This is a valuable opportunity to sit down in a relaxed environment, discuss your current financial picture, and explore customized Financial Planning strategies designed just for you. Contact us today to discover how simple and empowering planning your future can be.
“Working with Alan & Beth Smithey at New Generations Financial has been an absolute game-changer for our family’s peace of mind. Alan and Beth took the time to truly understand our goals and broke down complex Retirement Planning concepts into strategies we could easily grasp. Their professionalism, transparency, and genuine care for our financial well-being are unmatched. Thanks to their reliable guidance and clear Financial Planning, we finally feel completely secure about our retirement and our family’s future.”
— Previous Client
Google Reviews
What our clients say about working with Alan & Beth
26 five-star client reviews
Beth has been a blessing to my wife and me for several years now. Our paths merged when I had a life insurance issue that she clearly explained and helped me refine my insurance by the stage of life we are in. I'm going to use her in other areas with confidence.
Keith Castleberry
Previous Client
New Generations Financial helped me with life insurance, and I couldn't be more satisfied. Their advisors were professional and knowledgeable, making the process straightforward and stress-free. Great service!
Noel Alfonso
Previous Client
New Generations Financial's home equity protection service is fantastic. They provided clear guidance and tailored solutions to fit my needs. I feel much more secure about my financial future now. Thank you!
Hilda Agbor
Previous Client
Get In Touch
Are you ready to safeguard your assets and build a lasting legacy? Contact New Generations Financial today to speak with Alan & Beth Smithey, request a personalized quote, or schedule your one-on-one appointment. Let us help you secure what matters most.
We never charge fees — not for the first meeting, not ever. No obligation, no pressure. We will review what you already have, show you what it costs to fill the gaps, and let you decide.
