Build wealth with clarity and confidence.
Trusted guidance for personal finances, business optimization, and defensive financial strategies — helping clients make informed decisions, manage risk, and pursue long-term goals.
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Find the area that best fits what you need today.
Personal Finances
Smart strategies for saving, investing, retirement income, and long-term planning.
Explore Personal FinancesInsurance Reviews
Review coverage, reduce gaps, and protect what you’ve worked hard to build.
Review CoverageBusiness & Benefits
Solutions for business owners, teams, benefits, and business protection strategies.
Find a Better SolutionRadio Show
Listen to practical conversations on money, business, protection, and planning.
Listen NowComplimentary Resources
Access guides, checklists, worksheets, and planning tools designed to help you think clearly.
Browse ResourcesJoin Our Team
Explore opportunities to make an impact while helping others pursue their goals.
Explore OpportunityYears of Experience
Decades of financial guidance, education, and practical planning.
Radio Education
Weekly insights from The Roy Matlock, Jr. Money and Business Hour.
Personalized Guidance
Strategies built around your goals, values, and priorities.
Planning + Protection
Guidance designed to help build, protect, and preserve.
Meet Roy Matlock, Jr.
For more than four decades, Roy Matlock, Jr. has helped individuals, families, and business owners make informed financial decisions with clarity and confidence.
As a financial advisor, educator, and advocate, Roy believes in empowering clients with knowledge, protecting what matters, and building a stronger financial future.
Learn More About RoyServices Overview
Comprehensive guidance designed to help you build, protect, and preserve your wealth.
Retirement Planning
Create a retirement income strategy designed to support your lifestyle and long-term goals.
Learn MoreInvestment Management
Thoughtful investment strategies focused on long-term planning and informed decisions.
Learn MoreInsurance & Legacy Planning
Review strategies for income protection, insurance, and long-term legacy planning.
Learn MoreWealth Building Programs
Access coaching, advice, and planning tools to help create financial momentum.
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The 5 Biggest Retirement Mistakes — And How to Avoid Them
Avoid costly mistakes that may derail your future. Download your complimentary guide and start building more confidence in your retirement plan today.
Complimentary Resources
Helpful tools and guides to support your financial journey.
Questions People Ask Before Taking the Next Step
Financial decisions can feel complicated. These answers are designed to help you understand the basics before requesting a review, scheduling a call, or exploring your options.
What does a complimentary financial review include?
A complimentary review is a conversation designed to help you understand where you are today, what questions you may need to ask, and what areas may deserve more attention. Depending on your situation, this may include retirement planning, insurance coverage, budgeting, debt, income needs, business benefits, or general financial strategy.
Do I need to be close to retirement to start planning?
No. Retirement planning can be helpful at almost any stage. Younger families may focus on saving, debt reduction, insurance protection, and investment habits. Those closer to retirement may focus more on income planning, Social Security, 401(k) rollovers, IRAs, annuities, healthcare costs, and protecting what they have built.
What should I do with an old 401(k) from a previous job?
You may have several options, including leaving it in the old employer plan, rolling it into a new employer plan, rolling it into an IRA, or reviewing other strategies based on your goals. The right choice depends on fees, investment options, tax considerations, service needs, and your broader retirement plan.
How do I know if I have enough life insurance?
A good starting point is to consider income replacement, mortgage or debt obligations, final expenses, childcare, education goals, and the needs of anyone who depends on you financially. Life insurance needs can change over time, so it is wise to review coverage after major life events.
What is the difference between term life and permanent life insurance?
Term life insurance provides coverage for a set period, such as 10, 20, or 30 years. Permanent life insurance is designed to last longer, as long as policy requirements are met, and may include cash value features. Each type serves a different purpose, so the best fit depends on your budget, goals, and protection needs.
Can Roy Matlock, Jr. & Associates help with business benefits?
Yes. Business owners can review options such as health coverage, Health Savings Accounts, business liability insurance, retirement plans, employee benefit packages, and other solutions designed to support employees and protect the business.
Why should I review my insurance coverage?
Insurance needs can change as your family, home, income, business, health, or financial goals change. A review may help identify gaps, outdated coverage, unnecessary overlap, or areas where your current protection no longer fits your situation.
How can I get started?
You can start by choosing the area that fits your current need: personal finances, insurance reviews, business services, retirement planning, complimentary resources, or the weekly podcast. You can also request a complimentary review or schedule a conversation directly with the team.
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Practical conversations on money, business, protection, retirement, and financial decision-making.
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