Retirement Income Planning
Turn your nest egg into dependable income. We plan for longevity, market swings, and inflation so you can spend your retirement years with confidence.
Independent Primerica Representative · Since 2008
Plan today.
Plan today.
Retire with confidence.
Whether retirement is decades away or just around the corner, I help Main Street families save smarter, invest with purpose, and build income that lasts — no matter where you're starting from.
- Series 63, 65 & 66
- Investment Adviser Rep.
- PFS Investments, Inc.
2008
Serving families since
Licensed & Registered
Series 63 · 65 · 66
Backed by the strength of Primerica — publicly traded on the NYSE under “PRI”
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Client investment accounts1
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In invested assets1
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Consecutive DALBAR service awards2
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Years guiding families
Securities offered through PFS Investments Inc., member FINRA / SIPC.
What I Do
Build it. Protect it. Make it last.
A complete approach to your financial future — from your first dollar saved to a retirement income you won't outlive.
Investing & Savings
IRAs (Traditional & Roth), 401(k) rollovers, mutual funds, annuities, and professionally managed investments — built around your goals and timeline.
Term Life Protection
Affordable term life insurance to protect the people who depend on you, so a loss never becomes a financial catastrophe for your family.
Free Financial Needs Analysis
My signature first step. A complimentary, customized snapshot of where you stand today and a clear roadmap to where you want to be.
Start your FNA →
Your Free First Step
See exactly where you stand — in one free conversation.
No cost. No pressure. No jargon. Just a clear, personalized look at your finances and the steps that can move you forward.
- A complimentary Financial Needs Analysis
- A plan tailored to your goals & timeline
- Guidance from a licensed professional who answers to you
Elijah Muhammad
I personally review every request.
Request your free consultation
Takes 30 seconds. I'll reach out personally within one business day.
Investing At Retirement
The three biggest risks to your retirement
Most people don't run out of money because they invested badly — they run out because no one planned for these. Let's plan for them together.
Longevity Risk
The possibility of outliving your money. With life expectancies rising, a long retirement can be a genuine threat to your financial security if you haven't planned for it.
Market Risk
No one can predict whether you'll retire into a bull or bear market. When you begin taking withdrawals can dramatically change how long your savings last.
Inflation Risk
A steady rise in prices quietly erodes your purchasing power. The income that's comfortable today may fall short years into your retirement.
$24,300
What you'd need in 30 years to match the buying power of $10,000 today, assuming 3% annual inflation. Planning for inflation isn't optional.
0 negative
Across every rolling 20-year period from 1939–2023, the U.S. stock market had zero negative periods — history has rewarded patient, long-term investors.3
Past performance is no guarantee of future results. All investments involve risk, including loss of principal. Figures are illustrative, do not represent an actual investment, and do not reflect fees, expenses, or taxes. Source: Morningstar.
A Strategy For Every Stage
Wherever you are, there's a next step
Your strategy should evolve as you do. Here's how we approach each phase of your financial life.
Age 18–55
Accumulation
Saving and growing your money for the long term. Building the habit, the nest egg, and the protection your family needs.
Age 55–65
Protection
Preparing for retirement. Safeguarding what you've built against market and inflation risk as the finish line comes into view.
Age 65+
Distribution
Turning savings into retirement income — withdrawing in the right order, from the right accounts, to make your money last.
Simple & Pressure-Free
Your path to a confident retirement
No jargon. No pressure. Just a clear, personalized plan — starting with a conversation.
1
Free Consultation
We talk about where you are, where you want to go, and what's keeping you up at night. No cost, no commitment.
2
Financial Needs Analysis
I prepare a customized snapshot of your finances — income, goals, gaps, and opportunities — so we both see the full picture.
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Your Custom Strategy
Together we build a clear, realistic plan to grow your money, protect your family, and prepare for retirement.
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Ongoing Guidance
Life changes. I stay in your corner — reviewing, adjusting, and keeping you on track year after year.
16+ years
Helping Main Street families since 2008
Meet Your Advisor
Elijah Muhammad
District Leader & Investment Adviser Representative · Houston, TX
I got into this business for a simple reason: too many hard-working families are told they don't have “enough” to be worth a financial professional's time. I believe the opposite. At Primerica, no client is too big or too small — and helping Main Street families build real financial security has been my mission since 2008.
From your first Roth IRA to your retirement income strategy, I'll meet you where you are and walk with you every step of the way — in plain English, on your terms.
- Series 63, 65 & 66 registered
- PFS Investments Inc. Registered Representative
- Investment Adviser Representative
- Licensed life insurance representative
Why Families Choose Elijah
Real guidance. Real peace of mind.
What working with a dedicated financial professional feels like.
★★★★★
Elijah made retirement planning feel approachable for the first time. He explained everything in plain language and never once made us feel like our questions were too small.
★★★★★
We rolled over an old 401(k) we'd been ignoring for years. Elijah walked us through every option and helped us put a real plan in place. Wish we'd called sooner.
★★★★★
What I appreciated most was the honesty. No pressure, no jargon — just a clear strategy for protecting my family and growing what we've worked so hard for.
Testimonials shown are samples for layout purposes. Any client testimonials used must reflect real client experiences and comply with applicable FINRA/SEC advertising rules and PFS Investments review requirements before publication.
Questions, Answered
Frequently asked questions
Is the consultation really free?
Yes. Your initial consultation and Financial Needs Analysis are complimentary, with no obligation. It's simply a conversation to understand your goals and show you how I can help.
Do I need a lot of money to get started?
Not at all. Primerica was built to serve Main Street families. No client is too big or too small — what matters is that you're ready to take a step toward your future.
What exactly is a Financial Needs Analysis?
It's a customized, complimentary snapshot of your current finances — your income, savings, protection, debt, and retirement goals — that reveals gaps and opportunities and gives us a clear roadmap to work from.
What licenses and registrations do you hold?
I hold Series 63, 65, and 66 registrations and am an Investment Adviser Representative and a licensed life insurance representative. Securities are offered through PFS Investments Inc., a registered broker-dealer and investment adviser, member FINRA/SIPC.
Which states can you work with me in?
I currently serve investment & savings clients in Texas, Illinois, Arizona, Florida, Georgia, Indiana, New York, and Ohio. Product and service availability varies by state and is subject to licensing requirements — just ask and I'll confirm for your situation.
Ready to take the first step?
The best time to plan was yesterday. The second best time is right now. Let's build your strategy together — starting with a free, no-pressure conversation.
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Call or text(773) 510-3562
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Office(773) 675-8745
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Office address11767 Katy Fwy, Suite 515, Houston, TX 77079
Request your free consultation
Fill this out and I'll be in touch personally within one business day.