Our Company Values
People Matter –We build lasting relationships by delivering high value service. Though integrity and clear and consistent communication. You are innately valuable and worthy of respect and honor.
Mark S. Gardner
President, Retire Well Dallas
MarkGardner@RetireWellDallas.com
(214) 762-2327
MarkGardner@RetireWellDallas.com
(214) 762-2327
Mark S. Gardner is a nationally recognized retirement strategist, author, and financial educator with over four decades of experience helping individuals and families plan for the retirement they deserve. His approach is rooted in integrity, transparency, and a deep understanding of tax-advantaged strategies that create reliable, worry-free income streams.
“With every recommendation,” Mark says, “I have to be able to look at myself in the mirror and know that this is what I would do for myself and my family in the same situation.”
Mark holds a bachelor’s degree in business and marketing and is certified in Social Security Claiming Strategies (CSSCS) and college funding planning. He is a Master Elite member of Ed Slott’s IRA Advisor Group, which keeps him at the forefront of evolving retirement laws and strategies. He specializes in helping Pre & post retirees, baby boomers, entrepreneurs, and women who are single, widowed or divorced.
His expertise spans:
- Retirement income planning
- Asset protection and risk management
- Social Security optimization
- Tax-efficient legacy and estate strategies
- Roth conversion & IRMAA, or Income-Related Monthly Adjustment Amount, is an additional charge on top of your regular Medicare Part B and Part D premiums, assessed to higher-income individuals to help fund the Medicare program
- Life Insurance-using this asset class to provide income tax-free income towards one’s retirement
Mark is a bestselling co-author of The Keys to Authenticity with Jack Canfield, creator of Chicken Soup for the Soul. His chapter, “Prepare Yourself for an Authentic Financial Retirement,” explores the critical concept of the Retirement Savings Time Bomb.
He has been featured in Forbes, Benzinga, Yahoo Finance, and interviewed on ABC, NBC, CBS, and FOX affiliates on the Hit Show “Success Today”. His insights have helped thousands of retirees shift their focus from volatile assets to dependable income. His mission statement is “Income Is the Outcome That Matters Most In Retirement”.
Mark is a bestselling co-author of The Keys to Authenticity with Jack Canfield, creator of Chicken Soup for the Soul. His chapter, “Prepare Yourself for an Authentic Financial Retirement,” explores the critical concept of the Retirement Savings Time Bomb.
He has been featured in Forbes, Benzinga, Yahoo Finance, and interviewed on ABC, NBC, CBS, and FOX affiliates on the hit show Success Today. His insights have helped thousands of retirees shift their focus from volatile assets to dependable income.
Mission Statement: “Income is the outcome that matters most in retirement.”
He has been featured in Forbes, Benzinga, Yahoo Finance, and interviewed on ABC, NBC, CBS, and FOX affiliates on the Hit Show “Success Today”. His insights have helped thousands of retirees shift their focus from volatile assets to dependable income. His mission statement is “Income Is the Outcome That Matters Most In Retirement”.
A longtime resident of Dallas, Texas, Mark is active in B’nai B’rith International, the Hebrew Order of David, and several local charities. In 2017, he helped deliver over 50,000 kosher meals to Hurricane Harvey victims. He also volunteers as a YMCA youth basketball referee and dedicates 20 hours a month to teaching financial literacy in schools, libraries, and businesses.
Mark and his wife, Tsipora, are proud parents of three sons and one daughter. Having survived cancer, a major car accident, identity theft and three gunmen following to his home from a bank withdrawal, Mark considers himself “the luckiest man alive”—grateful for the love of his family, the support of his community, and the opportunity to help others retire with confidence.
Mark’s approach involves fitting the right solution to the right client, much like Cinderella’s slipper. For instance, those with passive income from stocks or properties could see up to 85% of their Social Security benefits taxed. Mark meticulously pieces together the puzzle of each client’s financial picture to ensure the best outcomes. His goal is clear: to provide a reliable income stream for retirees, transforming their retirement from “forever taxed to never being taxed,” if they qualify.
If you’re planning for retirement and want a second opinion from someone who treats your future like his own, reach out to Mark S. Gardner today at 214-762-2327 or MarkGardner@RetireWellDallas.com
Mark S. Gardner Featured on ABC, NBC, CBS, and FOX Network Affiliates Across the Country as a Guest on Success Today with Jack Canfield
Dallas, TX – Mark S. Gardner, President and founder of Retire Well Dallas, was recently featured on ABC, NBC, CBS, and FOX network affiliates nationwide as a guest on Success Today, hosted by world-renowned motivational speaker and author, Jack Canfield. The episode highlighted Mark’s extensive expertise in retirement planning, offering valuable insights into tax-advantaged strategies and how retirees can ensure a secure financial future.
Jack Canfield, known for his life-changing messages, expressed his admiration for Mark’s impactful work, stating, “On Success Today, we aim to bring stories that inspire and motivate our viewers to take bold action. Mark S. Gardner is a true inspiration. His approach to retirement planning is not just about securing finances—it’s about empowering individuals to live with peace of mind and confidence. His dedication to helping others achieve the retirement they envision is nothing short of remarkable.”
Mark’s appearance on Success Today further solidified his position as a trusted authority in the retirement planning field. With a career spanning over four decades, Mark has guided clients to create personalized retirement plans that focus on maximizing income while minimizing taxes. As the founder of Retire Well Dallas, Mark has helped hundreds of clients in Dallas, Houston, and Seattle to navigate the complexities of retirement planning and tax strategies.
About Mark S. Gardner
Mark S. Gardner is the President and founder of Retire Well Dallas, a firm dedicated to helping clients achieve their ideal retirement. With over four decades of experience in pre- and post-retirement planning, Mark is a specialist in premium finance life insurance and tax-advantaged retirement strategies.
Mark’s expertise is widely recognized, and he is a trusted resource for media outlets like Forbes, Benzinga, and Yahoo Finance. He is the co-author of the best-selling book The Keys to Authenticity, alongside Jack Canfield, and has earned accolades including the EXPY Award and Quilly Award. Mark is also a member of Ed Slott’s Master Elite IRA Advisor Group and holds certifications in Social Security Claiming Strategies (CSSCS) and college funding.
Founded in 2008, Retire Well Dallas operates in Dallas, Houston, and Seattle, with a mission to help individuals plan for a financially secure and worry-free retirement. Mark’s philosophy revolves around using tax-efficient strategies to ensure that his clients can live their retirement years without financial stress. With his approach, Mark aims to transform retirement from “forever taxed” to “never taxed” for those who qualify.
For more information about Mark S. Gardner and Retire Well Dallas, visit
www.retirewelldallas.com.
www.retirewelldallas.com.
Gabriel Herzig
President, Retire Well Dallas
Gabrielherzig@RetireWell.co
(305) 490-1786
Gabrielherzig@RetireWell.co
(305) 490-1786
Gabriel Herzig has 35 years of experience in education and negotiating Real Estate transactions. After moving to Dallas, Gabriel met Mark Gardner and formed a new partnership. Through working with Mark, Gabriel learned the sophisticated strategies that save qualified pre & post-retirement clients thousands of dollars from loss due to avoidable taxation. In addition, they help families to establish living Trusts which will spare your family aggravation and cost
Gabriel began his career as an educator, leading private schools. After 23 years as an accomplished principal, he joined Forest Hills Financial Group in New York. There, he learned the crucial value of providing families with income protection during unforeseen disability and ensuring the financial soundness of families even while experiencing the loss of their primary provider. Gabriel was invited to join the founding staff at boutique RE firm and became their Executive VP of Acquisitions. He was instrumental to the company’s growth over 14 years, guiding the development and operation of their multifamily and commercial RE portfolio as the company grew to over $5 billion in assets under management.
After moving to Dallas, Gabriel met Mark Gardner and formed a new partnership. Through working with Mark, Gabriel learned the sophisticated strategies that save qualified pre & post-retirement clients thousands of dollars from loss due to avoidable taxation. Their fortunate clients get to keep much more of their hard-earned funds through advantaged tax strategies and will enjoy access to thousands more dollars in retirement. When a client qualifies, we ensure your savings outlive your retirement. Gabriel is now leading the expansion of Retire Well, which has opened its Houston office.
Beverley Bryann
Experienced Business Executive | Public Speaker | Insurance Agent
Beverleybtx@gmail.com
972.684.0120
Beverleybtx@gmail.com
972.684.0120
Professional Summary:
Beverley Bryann is a seasoned business executive with extensive experience in corporate and investor relations, mergers and acquisitions, and regulatory writing. A sought-after public speaker and published author, she is known for her dynamic approach and deep industry knowledge. Beverley excels in evaluating M&A outcomes, facilitating corporate transactions, and providing strategic insights.
Career Journey:
Beverley has worked with high-profile companies, including The Samsung Group and various energy firms, specializing in corporate relations and regulatory compliance. Her expertise in mergers and acquisitions has guided companies through complex transactions and growth phases.
Current Role:
Now based in Dallas, Texas, Beverley is an Associate at RetireWellDallas.com, focusing on insurance solutions for families and businesses. She leverages her extensive background to offer tailored financial security and growth strategies. Partnering with Mark S. Gardner, Beverley provides sophisticated retirement plans for Baby Boomers and Entrepreneurs, helping clients save thousands in taxes and ensuring their money outlives their retirement.
Gabriel Herzig
President, Retire Well Dallas
Gabrielherzig@RetireWell.co
(305) 490-1786
Gabrielherzig@RetireWell.co
(305) 490-1786
Gabriel Herzig has 35 years of experience in education and negotiating Real Estate transactions. After moving to Dallas, Gabriel met Mark Gardner and formed a new partnership. Through working with Mark, Gabriel learned the sophisticated strategies that save qualified pre & post-retirement clients thousands of dollars from loss due to avoidable taxation. In addition, they help families to establish living Trusts which will spare your family aggravation and cost
Gabriel began his career as an educator, leading private schools. After 23 years as an accomplished principal, he joined Forest Hills Financial Group in New York. There, he learned the crucial value of providing families with income protection during unforeseen disability and ensuring the financial soundness of families even while experiencing the loss of their primary provider. Gabriel was invited to join the founding staff at boutique RE firm and became their Executive VP of Acquisitions. He was instrumental to the company’s growth over 14 years, guiding the development and operation of their multifamily and commercial RE portfolio as the company grew to over $5 billion in assets under management.
After moving to Dallas, Gabriel met Mark Gardner and formed a new partnership. Through working with Mark, Gabriel learned the sophisticated strategies that save qualified pre & post-retirement clients thousands of dollars from loss due to avoidable taxation. Their fortunate clients get to keep much more of their hard-earned funds through advantaged tax strategies and will enjoy access to thousands more dollars in retirement. When a client qualifies, we ensure your savings outlive your retirement. Gabriel is now leading the expansion of Retire Well, which has opened its Houston office.
Beth Christensen
Beth is our Director of Health Insurance at RetireWellDallas.com, serving as the Healthcare Maven for Medicare, Medicaid, and Market Health Insurance coverages.
She began her journey in the insurance industry in 1999, working for a national brokerage firm with a focus on group health and ancillary products. In 2003, she transitioned to the Medicare Market, where she has passionately served the senior community.
In 2008, Beth joined Copeland Insurance Group as the Director of Sales and Marketing for the Fort Worth area, significantly impacting the industry by recruiting and training top agents on Medicare products and providing them with the tools to offer exceptional customer service and plan options. Beth’s dedication extends beyond her professional role. She has been an active member of the Fort Worth Chapter of the National Association of Insurance Professionals (NABIP) since 2009, serving on the board in various positions and leading the chapter as President in 2013. Her advocacy for agents and their clients’ healthcare needs has been a cornerstone of her career. Beth’s commitment to her community is evident through her volunteer work at Senior Centers, where she educates groups on healthcare options and provides resources for financial difficulties. She enjoys spending time with her husband, children, and grandchildren, and in her spare time, she loves gardening, crafting, and baking with her grandchildren. Beth can be reached at 682-203-6445 to help you with your healthcare needs.
Michael B. Cabalquinto
Michael “Mike” Cabalquinto, a native of Seattle, brings over two decades of real estate appraising experience and five years in the insurance industry. As a Certified Real Estate Appraiser (CREA) and licensed real estate broker, Mike excels in both the buy- and sell-sides of transactions. His extensive background in finance, coupled with his analytical and technical skills, ensures no detail is overlooked in shaping effective strategies for his clients.
Mike’s expertise extends beyond real estate. He has held various roles in investments, finance, engineering, sales, marketing, business development, operations, and project management at Fortune 500, NASDAQ, and venture start-up companies. His educational background includes a BA in Humanities and a BS in Electrical Engineering with a Physics minor from Seattle University, as well as an MBA in Technology Marketing & Venture Management from the University of Southern California.
Outside of his professional life, Mike is an aviation enthusiast with a passion for travel, having explored Asia, Latin America, and Europe. He enjoys music, cooking, strength training, and motorcycles. When not assisting clients, Mike can be found land paddling on his longboard skateboards or working on vintage automobiles, timepieces, and electronic hardware.
Drawing on his vast experience, Mike offers a unique perspective on retirement planning. He emphasizes the importance of tailored strategies, as every individual’s situation is unique. For instance, those with passive income from stocks or properties could see up to 85% of their Social Security benefits taxed. Mike meticulously pieces together each client’s financial picture to ensure the best outcomes. His goal is clear: to provide a reliable income stream for retirees, transforming their retirement from “forever taxed to never being taxed,” if they qualify. Working with Mark S. Gardner, Mike has helped pre- and post-retirees offset future taxes with tax-advantaged strategies. Mike can be reached at 206-963-1283.
Meet Mark Harris
– Retirement Planning Expert Serving Cleveland & Northeast Ohio
Mark Harris brings over 20 years of experience in financial services, specializing in pre- and post-retirement planning for individuals, families, and business owners. Based in Cleveland, Ohio, Mark leads retirement planning initiatives across the Northeast Ohio region, helping clients create tax-efficient strategies that preserve and grow their wealth.
Mark’s career has included key advisory roles at prestigious institutions such as Prudential Advisors, New York Life Insurance, and Morgan Stanley. During his tenure with these firms, he worked under a captive model, offering limited product and strategy options. Seeking a more flexible and client-first platform, Mark made the strategic decision to relaunch his independent financial practice—and joined forces with Retire Well Dallas.
Now proudly partnered with Mark S. Gardner, founder of RetireWellDallas.com, Mark operates within a values-based framework centered on trust, transparency, and long-term relationships. The connection between Mark and Mark Gardner runs deep—Mr. Gardner was a college classmate of Mark’s older brother and has remained a close family friend for decades. Their partnership is rooted in shared values, professional respect, and a mutual dedication to helping clients retire with clarity and confidence.
What Mark Harris Offers
Mark provides a comprehensive suite of advanced retirement planning services designed to go far beyond traditional employer or government-sponsored plans. His approach includes:
● Income & Cash Flow Planning
● Investment Management Tailored for Retirement
● Strategic Tax-Reduction Solutions
● Health Care & Long-Term Care Planning
● Legacy & Estate Planning Strategies
● Trust, Probate & Charitable Giving Guidance
● Advanced Tax Optimization for High-Net-Worth Clients
With recent changes in retirement legislation, including the SECURE Acts 1.0 & 2.0, and the anticipated Big Beautiful Bill of 2025, Mark is focused on helping clients proactively plan for a shifting financial landscape. One of his core missions is assisting clients in transitioning assets from “Forever Taxed” to “Never Taxed”—leveraging forward-thinking strategies to minimize lifetime tax burdens.
Schedule Your Complimentary Consultation
Mark Harris offers a no-cost, 60-minute Zoom consultation for individuals and couples ready to take control of their retirement future. This personalized session includes:
● A comprehensive review of your current retirement and estate holdings
● An analysis of how new tax laws impact your financial plan
● Customized strategies to improve returns while reducing risk
Connect with Mark today to secure your financial future—retire smart, live well, and leave a legacy.
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.