About our firm
A family-owned advisory firm helping families in San Antonio, TX, and across the United States protect what they have built
New Generations Financial is led by Alan and Beth Smithey in San Antonio, TX, and serves clients from across Texas and the United States. 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.
No fees, ever
We never charge fees — not for the first meeting, not ever.
Plain-English explanations
Clients tell us the biggest difference is that they finally understand what they own.
We come to you
We meet in the comfort of your home or by private Zoom meeting — evenings and weekends included.
Serving San Antonio, all of Texas and the United States
Our clients live across San Antonio, TX — from Alamo Ranch, Helotes and Stone Oak to Converse, Schertz and the neighborhoods inside Loop 1604 — and we work with clients throughout Texas and across the United States by private Zoom meeting. 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.
Medicare Supplement & Advantage
Compare Medicare Supplement (Medigap) and Medicare Advantage plans side by side and enroll with confidence.
Hours
- Monday - Friday: 9:00 AM - 8:00 PM
- Saturday: 9:00 AM - 5:00 PM
- Sunday: 1:00 PM - 5:00 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.