Messett Financial

Home
United States
Flower Mound, TX
Messett Financial

It’s why clients refer family members and friends to us all the time. Please check FINRA’s BrokerCheck for a list of current registrations.

With 50 years of practice among our skilled team members, & more than 20 years as a financial advisory firm, we offer sound recommendations based on research, knowledge, & experience. Securities and advisory services offered through Commonwealth Financial Network®, Member https://www.FINRA.org/https://www.SIPC.org, a Registered Investment Adviser. Fixed insurance products and services are separate

from and not offered through Commonwealth. The Financial Advisor(s) associated with this profile may only discuss or transact business with residents of states in which they are properly registered. Review our Terms of Use: https://www.commonwealth.com/termsofuse.html.

07/16/2026

What are you doing to protect your identity?

If you’re like most Americans, the answer is probably, “not much.”

According to a survey by the Identity Theft Research Center, only 3% of adults chose to freeze their credit after receiving a data breach notice…even though freezing your credit is one of the best ways to prevent identity theft.

One possible reason for this is that credit freezes have traditionally cost money. But many don’t realize that you can freeze your credit for free!

To get the most protection, you should freeze your credit at all three major credit reporting agencies. Visit these websites to learn how:

TransUnion: transunion.com/credit-freeze
Experian: experian.com/freeze/center.html
Equifax: equifax.com/personal/credit-report-services/credit-freeze

A few things to know:

When you apply for a credit freeze, the agency will essentially lock, or freeze, your file so that it can’t be accessed.

That way, even if a lender requests your information, the agency will not release it until you “thaw” the freeze first.

Creditors cannot access your report which keeps them from approving any new credit account in your name, fraudulent or legitimate.

While a credit freeze is a valuable weapon in the fight against identity theft, it won’t protect you from everything. That’s why you should also check your credit report regularly. (You can still request a credit report even if your credit is frozen.)

Freezing your credit will not affect your credit score.

Please let us know if you have any questions, and be sure to visit the links listed above to learn more!

07/14/2026

Tuesday Trivia

Question: Why is it called a “Roth IRA”?

A) Roth stands for “Retirement Obligations, Taxes, and Holdings”
B) It was named after Senator William Roth
C) It comes from the Roth Investor Rights Act
D) It was named after the Rothschild banking family

Answer: B) It was established by Senator William Roth in 1997 as part of the Taxpayer Relief Act. A Roth IRA differs from a traditional IRA in that contributions are made with after-tax dollars. While that means you cannot take an immediate deduction, it also means you don’t have to make mandatory withdrawals in retirement (known as Required Minimum Distributions), and any withdrawals you do make are tax-free.

07/08/2026

July 8 – Be a Kid Again Day!

Do you ever envy children?

Honestly, why wouldn’t you?

Sure, it’s nice being able to eat cake for breakfast (though the scale would disagree), not having a bedtime (who are we joking, we like going to bed at 9pm), and not being told what to do (oh, wait…).
But don’t you miss being a kid? When the biggest issues you dealt with were which cereal to have or which toy to get?

Well, today is your perfect excuse to rewind the clock. Seeing as it’s ‘Be a Kid Again Day,’ it’s your chance to relive all your favorite parts of childhood. And science agrees!

Did you know that Psychological Science reported that kids are better at seeing the whole picture?

They notice their entire surroundings much better than adults do.

Kids also experience increased curiosity. They are eager to learn and understand the world around them, leading them to ask more questions.

And with that comes that child-like wonder we all miss. That sense of ‘awe’ that is evident on a child’s face at even the most mundane.

So, spend today relearning some of the best parts of being a child.

It could benefit you in the long run!

07/06/2026

Checklists are the smart person’s secret weapon. They prevent errors, ensure consistency, and make the future just a little more reliable.

With that in mind, here’s a short “summer financial checklist” specifically for the third quarter of 2026. While some may apply to you and some may not, each is worth doing now while the heat is high and the days are long.

1. Update Your Estate Plan

When we first create an estate plan, it reflects exactly what we are thinking and feeling in that moment. But as time passes, those thoughts and feelings may change, too.

That’s why you should take time this summer to review and update your will, trusts, advanced directives, and beneficiary designations so they reflect everything and everyone you want to take care of.

2. Freeze Unnecessary Subscriptions

Summer means summer vacation, and for many people, vacations mean travel! Which, in turn, means we can often be away from home for weeks at a time. So, as you prepare to go on any trips this summer, consider pausing or temporarily canceling any subscriptions you’re not likely to use much.

3. Review Your Interest Rate Expenses

From gas to beef, prices are on the rise again. With rising inflation often comes the possibility of rising interest rates. That makes this the perfect time to review how interest rates are impacting your ability to spend, save, and invest.

4. Plan for Upcoming Expenditures

It’s hard to believe, but the year is already half over! That means the beginning of Q3 is the time to plan for any big-budget expenses that might take place during the second half of the year. By getting a good sense of what all these will cost, and when those costs will hit, we can ensure they won’t detract from saving and investing for even longer-term goals.

5. Hold Family Financial Conversations

Whether it’s an impromptu Sunday BBQ, a long road trip, or a reunion, summer is a season when families tend to spend more time together. That makes it the perfect opportunity to have “family financial conversations.”

See below for more information on these.

07/03/2026

In the Preamble to the Constitution, the Framers wrote that the entire point of the Constitution was

“to form a more perfect Union.” Because that’s what our country is. A union.

Not just a union of states, but of people, all with different beliefs, philosophies, traditions, origins, and stories. Even in divisive times like today, we are still a union. A union we must continue to perfect, building on the work done by those that came before us.

That’s why, as we prepare to celebrate our 250th Independence Day, we shouldn't feel despair for the challenges that face our nation. Because America has faced all those challenges before and come through it stronger.

There were times when people in the past 250 years felt the union was coming apart at the seams.

But it didn’t. Nor will it today.

The Framers knew that so long as the American people continued to work, to vote, to care about their country, it would survive.

They knew that if we faced our problems bravely and honestly, we would emerge better for the experience.

We wish you a safe and Happy Independence Day!

07/01/2026

Today is National Postal Workers Day!

Did you know celebrities like Steve Carell, Walt Disney, and Bing Crosby were all postal workers?
Along with political figures such as Abraham Lincoln, Benjamin Franklin, and Harry S. Truman.

Here are 5 insights about Postal Workers to keep in mind today.

Hopefully they inspire you to show your appreciation to your local mailman or woman. But keep in mind, while a little ‘thank you’ gift is much appreciated, anything over $25 requires them to report it to management.

🐕 In 2017, there were 6,244 canine attacks on postal workers.

🥵 Many of the postal trucks do not have air conditioning, making summers in most places unbearable.

🛰️ They are being tracked at all times, thanks to the scanners they use for deliveries.

🥫 The second Saturday in May each year, the National Association of Letter Carriers holds the nation’s largest single-day food drive. It’s known as ‘Stamp Out Hunger’ and benefits local food banks, pantries, and shelters in more than 10,000 cities. You can contribute by leaving a bag containing nonperishable food items next to your mailbox.

✍️ If your handwriting is illegible, your mail may not get delivered. While postal workers make a genuine attempt to read sloppy or difficult penmanship, it’s not always possible. There is even a special center in Salt Lake City where a team of 1,000 postal workers are dedicated to deciphering difficult-to-read writing, processing an average of 5 million pieces of mail a day. And when they aren’t successful, there is an entire facility for unreadable mail.

06/25/2026

AI is one of the most interesting and powerful tools to emerge this century, and many people are increasingly turning to it for financial advice.

While AI can certainly help you find information and provide general answers to your questions, relying on it also comes with risks.

Check out the infographic below to learn more.

06/23/2026

One financial topic we are often asked about involves TRUSTS.

Since trusts are widely used for a variety of estate planning purposes, we have prepared a simple primer of different terms and types of trusts.

Reminder: A trust is simply a legal document that acts as a container to hold, or own, property, cash, securities, or other items of value.

There are three parties to a trust. The first is the maker of the trust, called the trustor or grantor, who establishes the trust.

The second is the trustee who manages and carries out the terms of the trust.

Finally, there is the beneficiary who receives the benefits of the trust, either in the form of income or outright distribution of property.

For an explanation of some of the most common types of trusts, see the images below…and let us know if you ever have any questions!

06/19/2026

Every Father’s Day, we celebrate our dads.

We recognize all the things they do for us.

We recognize the example they set through their work ethic, character, strength, patience, and, of course, their love of...

Dad Jokes.

As you know, dad jokes fall squarely into the “so bad it’s good” category of humor.

But they’re also a time-honored tradition proudly upheld by fathers everywhere.

So, in honor of Father’s Day, here are a few dad jokes you can share with your loved ones.

(Insert dad jokes here.)

Wishing you a Father’s Day full of love, laughter, and maybe a few groans along the way!

06/18/2026

The first Juneteenth in 1866 marked the true end of slavery in America.

Juneteenth celebrates universal individual freedom for all.

Angela Davis reminds us that this day isn't just about reflection, but also about recommitting to the ongoing fight for freedom.

The first Juneteenth celebrated newly emancipated Black Americans. While emancipation didn’t arrive everywhere at once, communities made the most of their moment.

People came together, celebrating by cooking traditional dishes steeped in symbolism and meaning.

Today, we honor those who never stopped striving for liberty.

Happy Juneteenth!

Address

1013 Long Prairie Road
Flower Mound, TX
75028

Telephone

+18178405910

Website

https://messettfinancial.com/

Alerts

Be the first to know and let us send you an email when Messett Financial posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Messett Financial: