About McRae Agency

At McRae Agency, we help individuals, families, and employers protect what they’ve built and create financial certainty for the future. Our focus is simple: replacing market uncertainty with proven strategies designed to deliver control, stability, and guaranteed lifetime income.

We work with both large and small employers and their employees, as well as individuals and families who want a smarter approach to retirement and long-term financial planning. Every strategy we implement is customized to fit each client’s unique goals, values, and financial situation—because no two futures are the same.

Who We Serve

Our clients are typically nearing retirement or already retired and are tired of the stomach-churning volatility of the stock market. They’ve saved diligently, managed their finances responsibly, and now want to preserve their wealth while creating predictable income they can rely on.

Our solutions work best for people who:

  • Want protection from market losses

  • Value certainty over speculation

  • Desire guaranteed income for retirement

  • Want long-term control of their financial future

  • Are looking for strategies that go beyond traditional Wall Street approaches

If you’re ready to move away from outdated, high-risk strategies and toward a more dependable financial plan, you’re in the right place.

Our Philosophy

Traditional financial planning often relies heavily on market performance and assumptions that don’t always hold up in real life. At McRae Agency, we believe your retirement should not depend on timing, luck, or speculation.

We specialize in strategies designed to:

  • Protect principal

  • Reduce exposure to market risk

  • Create tax-efficient income

  • Provide guarantees you can count on for life

Our approach prioritizes certainty, simplicity, and long-term sustainability so you can focus on living your life, not worrying about your money.

Meet Our Founder, Scott McRae

With over 30 years of experience in the financial services industry, Scott McRae has seen firsthand how traditional strategies often fail people when they need them most. Through decades of real-world experience, Scott learned what works, what doesn’t, and when it’s time to leave old, ineffective methods behind.

Today, Scott is committed to helping clients create reliable streams of guaranteed income that last throughout retirement. His mission is to help people regain control of their financial lives while protecting their hard-earned assets.

The values Scott brings to every client relationship are simple and unwavering:

  • Trust — clear, honest guidance with no hidden agendas

  • Loyalty — long-term relationships, not short-term transactions

  • Teamwork — working together to build a plan that truly fits your life

Our Commitment to You

At McRae Agency, we don’t believe in one-size-fits-all solutions. We believe in thoughtful planning, proven strategies, and doing what’s right for our clients every time.

Our goal is to help ensure your wealth lasts through retirement and funds a life you genuinely enjoy, with confidence and peace of mind at every stage.

“We love the idea of simplifying our accounts, saving on fees, and having our money invested safely. Paying taxes now so our wealth grows tax-free makes sense, and it’s great to see opportunities like maximizing our 401(k) match and strategically contributing to Roth IRAs. It feels good to have a clear plan moving forward!”\n\n[/cs_content_seo][cs_element_layout_div_5 _id=”42″ ][cs_element_text _id=”43″ ][/cs_element_layout_div_5][/cs_element_layout_div_4][/cs_element_layout_div_3][/cs_element_layout_div_2][/cs_element_layout_div][/cs_element_layout_column_2][cs_element_layout_column_2 _id=”44″ ][cs_element_layout_div _id=”45″ ][cs_element_layout_div_2 _id=”46″ ][cs_element_layout_div_3 _id=”47″ ][cs_element_layout_div_4 _id=”48″ ][cs_element_text _id=”49″ ][cs_element_layout_div_5 _id=”50″ ][cs_element_text _id=”51″ ][/cs_element_layout_div_5][/cs_element_layout_div_4][/cs_element_layout_div_3][/cs_element_layout_div_2][/cs_element_layout_div][/cs_element_layout_column_2][cs_element_layout_column_2 _id=”52″ ][cs_element_layout_div _id=”53″ ][cs_element_layout_div_2 _id=”54″ ][cs_element_layout_div_3 _id=”55″ ][cs_element_layout_div_4 _id=”56″ ][cs_element_text _id=”57″ ][cs_element_layout_div_5 _id=”58″ ][cs_element_text _id=”59″ 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