Bernadette C. Broughton · Income LifeStyle Solutions & Consulting Services, LLC

Financial Peace Begins with One Step

Bernadette C. Broughton helps professional women and entrepreneurs in Killeen, Texas build lasting financial security through life insurance, annuities, and tax-free wealth strategies — without stock market risk.

About

Meet Bernadette C. Broughton — CEO & Founder, Income LifeStyle Solutions & Consulting Services, LLC

Bernadette C. Broughton is a financial wellness expert, CEO, and the founder of Income LifeStyle Solutions & Consulting Services, LLC, based in Killeen, Texas. As a proud member of the Financial Planning Association (FPA) and the Institute of Financial Wellness (IFW), she has built her life's work around one powerful mission: empowering professional women and entrepreneurs to confidently own their unique Money Story. Through a holistic, life-centered approach, Bernadette helps women cultivate confidence, mental strength, and enduring financial success. She specializes in proven strategies that grow wealth tax-free, allow penalty-free access to funds, and protect families' futures — all without relying on the volatility of the stock market. When you know your money story, you own your money future.

Specialties

Areas of Expertise

Life InsuranceHomeowners InsuranceAnnuitiesIUL (Indexed Universal Life)Long-Term Care InsuranceCritical Illness Insurance

Resources

Your Financial Wellness, Covered

Explore the strategies Bernadette uses to help women in Killeen and beyond build protected, prosperous futures.

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Life Insurance

Life insurance is more than a safety net — it's the foundation of every strong financial plan. Bernadette guides you to the right coverage that protects your loved ones and builds tax-advantaged wealth you can access in your lifetime.

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Annuities

Secure a guaranteed income stream for retirement without exposing your savings to market risk. Bernadette's annuity strategies are designed to give professional women and entrepreneurs the financial confidence to retire on their own terms.

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Business Insurance

Your business is one of your greatest assets. From key-person life insurance to business continuity planning, Bernadette helps entrepreneurs in Killeen, Texas protect what they've built and keep their ventures thriving through any challenge.

The Financial Landscape — Why Protection Matters Now

Understanding today's financial environment is the first step toward making informed decisions. Here are key indicators that underscore why life insurance and financial wellness planning are more important than ever for women and families in Texas.

Your roadmap

Your Path to Financial Peace: How It Works

Getting started with Bernadette is simple, clear, and designed around your life — not just your finances.

Step 1 — Discover Your Money Story

Every financial journey starts with understanding where you are today. Bernadette begins with a personalized conversation to uncover your goals, concerns, and the unique financial narrative that shapes your future.

Step 2 — Design Your Life-Centered Plan

Using a holistic approach rooted in Women's Lifestyle Mastery and Financial Wellness, Bernadette crafts a strategy tailored to your income, family, and entrepreneurial goals — prioritizing tax-free growth and penalty-free access.

Step 3 — Choose Your Coverage & Strategy

From life insurance and IUL to annuities and long-term care, you'll select the solutions that fit your life — with full clarity on how each one protects and grows your wealth without market risk.

Step 4 — Protect, Grow & Thrive

With your plan in place, you gain the confidence and mental strength to move forward — knowing your family's future is protected and your financial legacy is being built, one empowered step at a time.

FAQ

Frequently Asked Questions

Answers to the questions professional women and entrepreneurs in Killeen ask most about life insurance and financial wellness.

Do I really need life insurance if I'm single or don't have children?

Absolutely. Life insurance isn't just about dependents — it can pay off debts, fund your retirement tax-free through an IUL, cover final expenses, and leave a legacy to causes or people you care about. The younger and healthier you are, the more affordable your premiums will be.

What is an IUL and how is it different from traditional life insurance?

An Indexed Universal Life (IUL) policy provides a death benefit like traditional life insurance, but also builds cash value tied to a market index — without direct market exposure. This means your money can grow in strong markets and is protected from losses in downturns, making it a powerful tax-free wealth-building tool.

How can I access my money penalty-free?

Certain life insurance strategies, including IUL policies, allow you to take policy loans or withdrawals from your accumulated cash value without tax penalties. Bernadette will show you exactly how to structure your plan so your money is working for you — and accessible when you need it.

What is long-term care insurance and why does it matter?

Long-term care insurance helps cover the cost of care if you're unable to perform daily activities due to illness, disability, or aging — expenses that health insurance and Medicare typically don't cover. For professional women planning their future, it's a critical layer of protection that preserves both assets and dignity.

How do I get started with Bernadette?

Simply call or text Bernadette directly. She'll start with a personal conversation to understand your goals and Money Story — no pressure, no jargon, just a clear path forward toward financial peace.

Area guide

Serving Women & Entrepreneurs Across Killeen, Texas and Beyond

Bernadette is proud to serve clients in the greater Central Texas area, bringing financial wellness and life insurance expertise to communities throughout the region.

Killeen, TX

Home base for Income LifeStyle Solutions & Consulting Services, LLC. Bernadette is deeply embedded in the Killeen community, serving military families, entrepreneurs, and professional women who deserve financial protection and peace of mind.

Fort Cavazos Area

With one of the largest military installations in the world nearby, Bernadette understands the unique financial needs of service members and their families — including life insurance solutions built for the demands of military life.

Temple & Belton, TX

Extending her reach into the greater Bell County area, Bernadette helps women and business owners in Temple and Belton build financial resilience through tailored insurance and wealth strategies.

Waco & Central Texas

From Waco to the heart of Central Texas, Bernadette's life-centered financial approach is available to professional women and entrepreneurs ready to take their first step toward lasting financial security.

When You Know Your Money Story, You Own Your Money Future

Financial peace isn't a destination — it's a decision. Whether you're a professional woman, a business owner, or a family planning for what's ahead, Bernadette C. Broughton is ready to walk alongside you every step of the way. Your future is worth protecting. Your legacy is worth building. And it all begins with one step.

Get in touch

Take Your First Step Toward Financial Peace

Ready to discover your Money Story and build a financial future you can be proud of? Reach out to Bernadette C. Broughton at Income LifeStyle Solutions & Consulting Services, LLC in Killeen, Texas. Call or text today — your journey to financial wellness starts here.

Email Bernadette Call +12543501637