Debbie Andrews, Andrews Financial Services

Safeguarding Your Financial Future and Creating a Foundation of Lifetime Income
Photo by April Sanchez of Taylor Morgan Photography

By Annette Brooks

Debbie Andrews has used a steady, strategic approach to help her clients preserve their financial future through nearly every market imaginable in her 32-year career. Now she has added a global pandemic to her list. She says the question clients are asking at this point is, “Now what? How can I protect some of my money from a market downturn and not worry I will run out of income in retirement?”

Although we are emerging from the pandemic’s darkest days, we find ourselves in uncertain times. “A growing number of clients are wanting to understand their options for preserving and protecting some of their funds in the event of a market correction,” Debbie says.

Debbie is also seeing new clients who want someone to take a fresh look at their financial accounts. “I analyze each client’s overall picture, ask how comfortable they are with their current level of risk. Then I educate and advise them on choices of where to direct their money with an appropriate mixture of investment and insurance options,” she says.

Customized Financial Solutions

As a full-service financial advisor with required securities registrations and licenses, Debbie creates individualized financial solutions that range from straightforward to extraordinarily complex. She has a gift for explaining options in understandable terms, allowing you to make a confident, informed decision about your financial future.

Over the past decade and now, during this time of uncertainty, people seek financial options that offer principal preservation, especially as they begin to consider retirement. Andrews Financial Services has years of experience and a proven track record in this area.

“Our clients trust us to offer choices with opportunities to invest their assets by reducing their risks and high exposure to downside market losses,” Debbie says. “This is our niche.”

The Rule of 100

Applying the “Rule of 100” as a guideline can help you balance risk based on your age. “The concept is straightforward,” Debbie explains. “If you’re 60 years old, then 60 percent of your portfolio should be conservatively invested, and 40 percent, depending on how comfortable you are with risk, could be directed to higher risk market-based investments. If you’re 50, then a 50/50 rule applies, and so on.”

Generating Guaranteed Income

Debbie has in-depth knowledge about financial instruments that can help you realize your goals. “More people today are interested in generating a guaranteed income in retirement, and I often recommend annuities, when appropriate, to help do this. Annuities have the longest history of any financial tool in America and are worth considering for some of your retirement funds.”

Yet annuities are often misunderstood. People who don’t fully understand the features and benefits of different annuity types and how they work may not support their use. Debbie, who wrote a book about annuities — “Forever Paycheck, The Road to Joyful Retirement with Carefree Income” — shares valuable insights into the benefits annuities can offer.

Customer-first Approach

A trusted advisor with a deep and wide-ranging knowledge of financial products, Debbie is focused on helping her clients and doing what’s in their best interest. No one is treated as a transaction. She genuinely cares about each and every client and fosters long-lasting, trusting relationships with them.

More About Debbie Andrews and Andrews Financial Services

Faith, family, community, and helping her clients attain financial confidence are Debbie Andrews’ passions in life. As the president and owner of Andrews Financial Services since 1989, her business approach is deeply rooted in timeless values — honesty, integrity, trust, and looking out for her clients’ best interests. 

Debbie is a long-time member of NAIFA (National Association of Insurance and Financial Advisors) and a 32-year member of the Professional Women’s Exchange of Houston.

Calling Cypress home since the third grade, Debbie has been married to her high school sweetheart, Scott, for 41 years. They are members of the Community of Faith Church and love spending time at their family ranch in Bryan, Texas, raising cattle and enjoying their grandchildren.

Learn How You Can Take Control of Your Financial Future

Schedule a complimentary consultation with Andrews Financial Services today. Please call the office for a phone conference, virtual meeting, or an in-office meeting at (281) 550-3330. Browse Debbie’s website that contains a lot of information, including flip-books and videos. The company is headquartered in Cypress, with an additional office in The Woodlands.

Investments in securities may not offer a fixed rate of return. Principal, yield, and/or share price may fluctuate with changes in market conditions, and when sold or redeemed, you may have more or less than originally invested. No system or financial planning strategy can guarantee future results. Annuities may impose a surrender charge during the initial years of the contract. Withdrawals prior to 59 ½ may result in a 10% tax penalty in addition to ordinary income tax. The guarantee of the annuity is backed by the claims paying ability of the issuing insurance company.

Investment advisory representative offering securities and advisory services offered through Cetera advisors, LLC, member FINRA/SPIC, a broker/dealer, and a registered investment advisor. Cetera is under separate ownership from any other named entity.


17510 Huffmeister Road, Suite 106
Cypress, Texas 77429
(281) 550-3330

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