The people behind your retirement plan.
At Clearwater Financial Group, you work with real people who know your story, not a call center or a generic “program.” Meet the professionals who help protect what you’ve built and guide you through each stage of retirement.
CEO, Clearwater Financial Group • Based in Houston, Texas
Michael Masor
Certified Financial Fiduciary® • CEO, Clearwater Financial Group
Michael Masor specializes in protecting his clients’ finances and helping them pursue their long-term goals. As the independent owner of Clearwater Financial Group, he contracts with multiple financial companies to bring competitive products and customized strategies to every client relationship.
“It is my desire to give clients peace of mind that their futures are taken care of,” Michael says. “I work hard to find the best rates and personally customize plans for each family’s situation so they’ll know their money can perform the way they need it to.”
Michael understands that no single approach is right for everyone. He has been trained across a wide range of financial products and has helped clients of all ages protect millions of dollars in retirement assets.
Michael and his wife of 17 years, Lindsey, work together in the business and enjoy serving clients as a team. They live in Houston, Texas, with their two sons, who keep them busy with year-round sports. When they’re not in the office, you’ll often find the family fishing, camping, or playing a semi-competitive driveway basketball game.
Michael’s experience, honesty, and integrity are the foundation of his business. His high referral rate is a direct reflection of his passion for helping clients feel more secure about their financial future.
Client experience & retirement planning support
From Social Security planning to day-to-day service, this team helps make your experience clear, organized, and stress-free.
Heather Schreiber, RICP®
Social Security Expert • Founder, HLS Retirement Consulting, LLC
Heather partners with financial, legal, and tax professionals to build holistic retirement solutions. Her focus is on designing customized Social Security and retirement income strategies in clear, easy-to-understand terms so clients can make confident decisions. Her passion for consumer advocacy and education is at the heart of every plan she helps create.
Lindsey Masor
Director of New Business and Client Services
With 20 years of customer service experience, Lindsey is dedicated to ensuring every Clearwater client enjoys a smooth, welcoming experience. She supports new business processing, administrative functions, and ongoing client service. Outside the office, Lindsey loves traveling, attending her sons’ sporting events, and spending time outdoors with family.
Research & Support
Specialized support from The Impact Partnership.
These professionals, based in Kennesaw, GA, provide behind-the-scenes product, research, and marketing support through an independent third-party relationship.
Matt
Senior VP of Sales
Howard
VP of Sales
Paul
Senior VP of Annuity Sales
Kiara
Marketing Strategist
Kevin
Radio Co-Host
Located in Kennesaw, GA the Research and Support Team members are individuals working directly for an independent third-party firm, The Impact Partnership. Clearwater Financial Group and The Impact Partnership are separate entities and are not affiliated nor controlled by Clearwater Financial Group. The Research and Support Team has a limited role on an as-needed basis.
Fiduciary Guidance for Houston-Area Retirees
Clearwater Financial Group, led by CEO and Certified Financial Fiduciary® Michael Masor, focuses on clear communication, risk-aware strategies, and customized plans designed to help you enjoy retirement with greater confidence.
Who We Serve
Clearwater Financial Group serves pre-retirees and retirees throughout Greater Houston who want a plan that is simple to understand, built to weather volatility, and aligned with their real-life goals — not just numbers on a page.
From Katy to League City, The Woodlands, Angleton, Baytown and surrounding communities, Michael and his team take the time to learn your story before they ever talk about products or accounts.
Our Planning Approach
Every Clearwater plan starts with a conversation — your income needs, risk comfort, tax picture, healthcare concerns, and family priorities.
Then we build a coordinated strategy that may include protected income options, Social Security timing, tax-aware withdrawal strategies, and legacy planning, so each part of your financial life works together instead of in pieces.
Fiduciary Standard & Transparency
As a Certified Financial Fiduciary®, Michael is committed to putting clients’ best interests first — with clear explanations, straightforward recommendations, and no “mystery” around how strategies or compensation work.
You’ll always know why a recommendation is being made and how it fits into your overall retirement plan.
Our Mission at Clearwater Financial Group
At Clearwater Financial Group, our mission is simple: help Greater Houston retirees turn complicated finances into a clear, easy-to-understand plan. We believe real wealth is about confidence, flexibility, and having the freedom to enjoy the people and moments that matter most.
Led by CEO and Certified Financial Fiduciary® Michael Masor, we design strategies to help protect your income, protect your principal, and protect your legacy — using coordinated, tax-aware planning instead of one-size-fits-all products. Every recommendation is built around your goals, your risk comfort, and your timeline for retirement.
