Our Company Values

For those who are looking for financial advice, we realize the available options are many and deciding who to work with is a challenging problem. Listed below are our Company Values which we hope will give you a better understanding of how we operate.

  1. People Matter – We believe that each person is innately valuable and worthy of respect and honor. We believe that relationships matter and that business is relational, top to bottom. People First, Money Second is a priority statement that places people and relationships ahead of financial matters.
  2. Integrity Matters – We believe that integrity and truth matter. We believe we need to conduct our business in such a way that we are above reproach. We believe suitability and ethical practices come from placing a high value on other people and their needs before our own.
  3. Communication Matters – We believe that communication with our client partners builds and maintains the trust that is necessary for business relationships to reach their full potential. We believe that our client partners deserve the type of communication that is frequent, timely, truthful, & relevant.
  4. Service Matters – We believe that good service is practical and that great service is necessary in the pursuit of business excellence. We will pursue perfection and in so doing “catch a little excellence along the way.” (Vince Lombardi)

Walt Decherd

President, RMD Financial Group

My name is Walt Decherd, and I am President and Founder of RMD Financial Group. WGD Wealth Management, and Apollo Tax Group.

I strive to stay current on developments across multiple industries to best serve you with fresh, accurate and relevant information about potential impacts on finances.

Taxes will most likely be your largest strain on cash flow as you enter retirement. Having a clear understanding of your current tax situation is half the battle while being able to effectively apply tax savings strategies is the other half. I excel at mathematical strategies designed to keep the IRS out of your retirement plan.

Working side – by – side with you, I can successfully reduce taxation in retirement while creating a personal blueprint that maximizes investment tactics while minimizing tax liabilities. I accomplish this by defining your personal financial goals and developing the most efficient tax strategy possible while implementing sequential steps to produce a holistic financial retirement strategy.

Together we will implement the following advantages:

  • Innovative retirement resolutions
  • Reduced Required Minimum Distributions (RMDs)
  • Tax-free income while reducing tax liabilities
  • A comprehensive retirement plan with a tax-savings strategy

When I am away from the office, my wife and I enjoy being around the water, spending time with friends and family, and discovering new ways to enjoy the beach. We are also the proud parents and supporters of our very active teenage daughter who participates in competitive cheer events locally, within the state of Texas, and nationally.

Cultivating and maintaining strong client relationships, I will reveal to you how we can work jointly to temper your financial concerns by implementing a reliable, meaningful, proven, and effective tax strategy to achieve your ultimate retirement goals.

Carrie McRay

Client Relations and Office Manager, RMD Financial Group

Carrie McRay is the Client Relations and Office Manager for RMD Financial Group. She is responsible for overseeing the day-to-day office operations, executing company events, scheduling appointments, and helping clients with their financial needs. Carrie is also a Notary Public and a Certified Money Coach.

Prior to her position, she retired from a teaching career of over 25 years where she was a campus teacher of the year.
Carrie earned her BA in English Education and Journalism from Baylor University and her Ms. Ed in School Counseling from the University of Houston – Clear Lake Campus.

In her spare time, she enjoys time with her four grandchildren and performing as Mrs. Clause with her husband, who is Santa.
She also is active in the Baytown Little Theater where she directs different productions and is a member of the Baytown Art League.

Plan For Your Future

There is no one “best place” to put your retirement money because each individual and couple has unique requirements, different tolerances for risk, and need their money at different times. Likewise, there is no one place to keep your money that fits everyone for exactly the same reasons. Your unique circumstances must be taken into consideration if you seek to find the “most favorable place” for your retirement money. This is where we can be of service.