About
who we are
Linda M. Disabato RICP® CSSCS
Fort Worth, Texas Financial Services Professional
Linda M. Disabato is the founder of Creator of Strategies and a dedicated retirement income specialist who has spent her career helping individuals and families protect their savings, understand their options, and make confident financial decisions. She believes retirement planning should be clear, simple, and secure, and she is committed to providing guidance that empowers clients rather than overwhelms them.
Linda has always believed that financial education is the foundation of a strong retirement plan. Her work centers on helping clients understand how their money works, how income is created, and how to protect their savings from unnecessary risk. She takes pride in offering strategies that are easy to understand, transparent, and designed to support long‑term confidence.
Her approach is built on listening first, understanding each client’s goals, and then creating a plan that supports their lifestyle, their family, and their future.
Linda holds two respected industry designations that reflect her commitment to specialized retirement guidance:
Retirement Income Certified Professional® (RICP®)
Certified Social Security Claiming Strategist® (CSSCS®)
These credentials allow her to provide advanced guidance on income planning, Social Security timing, withdrawal strategies, and long‑term retirement security.
Linda is passionate about helping people feel confident in their financial future. She believes that when clients understand their options, they make better decisions and feel more secure throughout retirement.
Her work reflects that belief every day.
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Frequently Asked Questions
How Can I Create Income That Lasts Throughout Retirement?
Linda evaluates your income needs, financial resources, retirement goals, and risk considerations to help identify potential retirement-income strategies for your situation.
How Can I Protect My Retirement Savings from Market Losses?
Retirement investors may face risks related to market volatility and the timing of withdrawals. Linda helps clients explore strategies and products designed to provide protection from certain market losses, subject to applicable terms, conditions, fees, and limitations.
What Is a Fixed Annuity?
A fixed annuity is an insurance product that may provide a stated interest rate or other contractual benefits, depending on the contract. Fixed annuities may be considered as part of a broader retirement-income strategy.
What Is a Fixed Indexed Annuity?
A fixed indexed annuity is an insurance product that may credit interest based in part on the performance of a specified market index. It does not represent a direct investment in the market, and interest-crediting methods, participation rates, caps, fees, surrender charges, and other contract terms may apply.
When Should I Start Taking Social Security?
The right time to claim Social Security depends on factors such as your age, life expectancy, marital status, income needs, health, tax situation, and other retirement assets. Linda can help you consider how Social Security may fit into your overall retirement-income strategy.
Do I Need Long-Term Care Insurance?
Long-term care can create significant expenses and may affect retirement assets. Linda helps clients explore different approaches for preparing for potential long-term care needs.
How Does Life Insurance Fit into Retirement Planning?
Life insurance may support income replacement, family protection, legacy planning, estate liquidity, or other financial goals, depending on the policy and the client's circumstances.
What Is a Personal Pension Plan?
A personal pension plan is a retirement-income approach designed to help individuals create a predictable stream of income using their personal financial resources. It is not the same as an employer-sponsored defined-benefit pension plan.
How Can I Leave More of My Assets to My Family?
Beneficiary designations, life insurance, account ownership, estate planning, and other wealth-transfer strategies may affect how assets are passed on to loved ones. Linda can help identify planning considerations and coordinate with your legal and tax professionals when appropriate.
What Should I Bring to My First Meeting?
We begin by learning your goals, concerns, resources, and timeline. Bring statements, tax returns, insurance, and goals. We listen, clarify, and avoid pressure or jargon. After discovery, we build and implement a comprehensive plan with ongoing reviews. Most clients leave their first meeting feeling clearer and more confident.