About Trustworthy Financial
Real people. Real guidance. Protection that puts you first.
Protecting What Matters Most
We're here to help individuals and families feel confident, covered, and cared for — no matter what life brings.
Insurance isn’t just about policies — it’s about peace of mind. We believe that everyone deserves to feel secure in their future and confident in the decisions they make about protecting themselves and their loved ones. That’s why we take the time to get to know our clients, understand their needs, and guide them toward solutions that make sense for their unique situation.
Planning for retirement is more than just saving - whether you’re looking to protect your family with life insurance, or navigating the complexities of Medicare, we’re here to help you make informed, confident choices. You’re never just a number — you're a person, with a story, a future, and people who depend on you.
James "JT" Richardson
National Producer Number
21010536
"Try not to become a man of success, but rather try to become a man of value."
— Albert Einstein
Meet Our Principal Agent
I'm not here to sell you something — I'm here to protect what matters most to you. As a licensed insurance broker, my purpose is to make insurance simple, honest, and human. Families deserve clarity, not pressure. They deserve an advocate, not a salesperson.
I spent two decades in financial services and insurance before launching my own agency. After earning my Economics degree, I began in a Trust Department and later guided high‑net‑worth clients and retirement planning needs at Fortune 500 banks and top‑tier financial institutions. I stepped away from Wall Street to serve Main Street — where real families, real stories, and real protection need lives.
My passion for educating people comes from my mom, an elementary school teacher who believed knowledge was one of the greatest gifts you could give someone. Honoring her legacy means making sure every person I speak with walks away better informed — even if we simply part as friends. Many people don't know where to begin with life insurance, but after a conversation with me, they'll understand their options and why they matter.
Life doesn't always give us a warning. Exits happen whether we're ready or not. We can't control what happens in the present, but we can create peace of mind for the future. The right insurance plan protects the home you've worked for, the people you love, and the legacy you're building.
I believe families deserve access to the strongest protection available. That’s why I partner with multiple A+ rated, time‑tested carriers — so every recommendation is based on what’s best for you, not what’s best for a single company. Big insurance companies may serve millions, but my work is one‑on‑one, one conversation at a time.
I’m not a call center. I take a community‑focused approach to serving individuals, families, and small businesses. Insurance doesn’t have to be overwhelming or intimidating. It can be clear, steady, and empowering when someone takes the time to walk with you.
That's why I do this — to be the kind of agent who helps people feel seen, heard, and genuinely cared for. Protection is more than a policy. It's peace of mind. It's legacy. It's knowing your family is safe no matter what tomorrow brings.
Our Story
Trustworthy Financial was founded by Michael Hall in August of 2011. As a USMC veteran, a firefighter, and a father, Michael knows how to fight for what he cares about. This agency was built on a simple but powerful idea: that people deserve to feel confident and secure when it comes to their insurance. We saw too many people overwhelmed by jargon, pressured by sales tactics, or left confused about their coverage. We knew there had to be a better way — and we set out to create it.
Our journey started with a passion for serving others and a commitment to education. We wanted to be the kind of agency that leads with empathy, listens carefully, and puts people first. Over time, we’ve grown — but our values have never changed. Every client interaction is still a chance to earn trust and make a difference.
Whether we’re helping a senior choose the right Medicare plan or working with a young family to protect their future, we show up with the same energy, clarity, and care. Our story is about service, about people, and about building a legacy of support one family at a time.
What We Believe
We believe that insurance should be empowering, not overwhelming. It’s about more than paperwork and premiums — it’s about helping people feel safe, supported, and in control of their future. That’s why we take a personal, educational approach to everything we do.
We believe in clarity. We take the time to explain options in plain language, answer every question, and make sure you feel confident in your choices. You should never feel rushed or pressured — only supported and informed.
We believe in relationships. We don’t just help you get coverage — we stay connected. As your needs change, we’re here to review, update, and adjust your policies so they always fit your life. Our clients often become lifelong friends, and that’s something we’re proud of.
We believe in service. We’re here to help people, plain and simple. Whether you need guidance during a tough time or just someone to talk to about your options, we show up with integrity and heart.
Who We Serve
Our clients come from all walks of life. We serve seniors looking for peace of mind, families planning for the future, individuals navigating life changes, and everyone in between. What they all have in common is a desire to feel secure, supported, and understood.
We work with people who are exploring insurance for the first time, as well as those who are re-evaluating their coverage after major life changes — like retirement, a new baby, or the loss of a loved one. Wherever you are in life, we meet you there and walk alongside you.
Our approach is personal. We listen closely, ask the right questions, and help you explore options that align with your goals and values. We know there’s no one-size-fits-all solution — and that’s what makes our work so meaningful.
If you’re looking for a partner who puts people first and makes your peace of mind the top priority, you’re in the right place.
What We Offer
We offer a range of insurance solutions to help you protect what matters most. Our services include life insurance, final expense coverage, Medicare plans, health insurance, and retirement -planning solutions. Every product we offer is chosen with care — and always tailored to your unique needs.
Life insurance helps ensure your loved ones are protected financially if something happens to you. Whether you're interested in term, whole, or final expense coverage, we help you find a policy that fits your budget and your goals.
Medicare can feel confusing — but it doesn’t have to be. We guide you through the process, explain the different parts and plans, and help you make confident choices about your healthcare in retirement.
We also offer health coverage and supplemental plans to help with gaps in care or specific needs, and retirement strategies that bring clarity to your long-term planning. Whatever your question or concern, we’re here with answers — and solutions.
National Producer Number
21010536
Licensed in the Following States:
AR, KY, MI, NM, OH, OK, SC, TN, TX, VA
Our Office Hours
Mon: 8:30 AM – 5:00 PM
Tues: 8:30 AM – 5:00 PM
Wed: 8:30 AM – 5:00 PM
Thurs: 8:30 AM – 5:00 PM
Fri: 8:30 AM – 4:00 PM
Sat: Closed
Sun: Closed
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