About our firm
A family-owned advisory firm helping San Antonio families protect what they have built
New Generations Financial is led by Alan and Beth Smithey from our office on Leeds Wheel in northwest San Antonio. We sit on the same side of the table as the families we serve: we are independent, so the plan we recommend is the one that fits your household, not a product quota.
How we work with clients
Most people find us after something changes: a new mortgage in Alamo Ranch, a 401(k) left behind at a former employer, a new baby, a diagnosis, or a parent's estate that never got organized. Our first meeting is a conversation, not a sales pitch. We map what you already have, find the gaps, and price the options across the carriers we represent.
Because we are independent, we can compare dozens of A-rated insurance and annuity carriers side by side. You see the numbers, the trade-offs and the cost before you commit to anything. If the right answer is to keep what you have, we tell you that too.
Independent, not captive
We shop dozens of carriers so pricing and underwriting fit your health, age and budget.
Free consultation, always
Every relationship starts with a no-cost, no-obligation review of where you stand today.
Plain-English explanations
Clients tell us the biggest difference is that they finally understand what they own.
Local and available
We meet at our San Antonio office, at your kitchen table, or by video — evenings and weekends included.
Serving San Antonio and the surrounding area
Our clients live across San Antonio, TX — from Alamo Ranch, Helotes and Stone Oak to Converse, Schertz and the neighborhoods inside Loop 1604. We know what local homeowners pay, how Texas community property rules affect an estate, and why a Bexar County family with two incomes needs different coverage than a single-earner household.
What we handle
Annuities
Turn a portion of your savings into income you cannot outlive, with principal protection built in.
Estate Planning
Keep your Texas property, accounts and family wishes out of probate court and in the right hands.
Financial Planning
One written plan that connects your income, debt, taxes, insurance and long-term goals.
Retirement Planning
Roll over an old 401(k), map your income sources and retire on a date you actually choose.
Mortgage Protection
Coverage designed to pay off or keep paying your San Antonio mortgage if the worst happens.
Life Insurance
Term, whole life and living-benefit policies priced across dozens of A-rated carriers.
Home Mortgage & Equity Protection
Protect the equity you have built in your home from market swings, illness and lost income.
Disability Income Insurance
Replace your paycheck if an injury or illness keeps you off the job for weeks or years.
Office hours
- Monday - Friday: 9:00 AM - 8:00 PM
- Saturday - Sunday: 9:00 AM - 6:00 PM
Let's start with a free consultation
Bring your questions, your policies and your statements. We will tell you exactly where you stand — and what, if anything, needs to change.