Our History

Who We Are

5/11/2016

Majors & Mondragon, LLC Started

Zac Majors and Oscar Mondragon founded Centric to give clients individualized attention and custom strategies to help navigate the complex waters of finance.

12/31/2016

10M AUM Milestone

01/01/2017

Corporate Retirement Plan Division Started

Customized plans to advance your business goals & strengthen employee relations, simultaneous.

10/01/2017

25M AUM Milestone

04/01/2018

Richard Cull joins M&M

Richard analyzes securities, monitors economic trends, builds holistic portfolios, and heads up the Investment Committee at Centric Advisors. He loves to impart the decades of experience and investment discipline to Centric’s advisors and clients.

10/01/2018

AlphaTilt launched

Centric proudly launches AlphaTilt®. A month later on November 1, 2018 it surpasses 1M in AUM.

12/01/2018

50M AUM Milestone

01/01/2020

Name change to Centric

12/01/2020

100M Milestone

1/1/2021

SEC Registered Investment Advisor

Centric Advisors, LLC becomes an SEC Registered Investment Advisor. The SEC protects investors, promotes fairness in the securities markets, and shares information about companies and investment professionals to help investors make informed decisions and invest with confidence.

7/1/2021

Regular appearances on Fox 26 Houston network. Live Your Best Life TV show.

8/1/2021

Inc. 5000 Fastest growing RIA in Texas. 1 of fastest growing firms in Nation

04/01/2022

Centric Capital is born

8/1/2022

Inc. 5000 fastest growing firm in the Nation

05/01/2023

New Centric Headquarters completed

Our Values

INTEGRITY

INDEPENDENCE

EXPERTISE

INNOVATION

What We Do

 

No more relying on multiple professionals; our integrated approach coordinates all the services you need to boost your lifestyle,
manage your hard-earned money, and plan for your family's current and future needs. Remember you don't have to settle for less.
Live your Best Life!

Asset
Management

Invest For Your Lifestyle, Retirement & Legacy

We believe that your investment strategy should be as unique as you are. Gone are the days of stereotyping investors with subjective semantics based on their age. At Centric, we act in your best interest and prove it quantitatively. Using a combination of the latest technology and our team of investment professionals, we continually evaluate and monitor your portfolio to ensure it’s aligned with you.

Our Asset Management Approach 

It all starts with a Risk Number, a measurable way to pinpoint how much risk you want, need, and already have. Then, your wealth advisor will optimally allocate our investments to help you reach your financial goals. Along the way, you will receive transparency of information, seamless proactive service and the trust and accountability you need to stay on track. All of this will lead to your personal comprehensive investment strategy that is...

Powerful

Powerful

Combining modern portfolio theory and behavioral economics

Disciplined

Disciplined

Executing actions based on observed market behaviors

Responsive

Responsive

Weighing expectations against valuations, volatility, and correlations to keep things on track

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AlphaTilt®

Flagship portfolio series
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Private Investments

A strategic edition
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Other

Foundation and Satellite
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AlphaTilt® Strategies

A proprietary, actively managed portfolio series based on long-term fundamentals and proper diversification. Strategically, at it’s core, AlphaTilt® is a concentrated portfolio of high-quality stocks. Tactically, AlphaTilt® employs tilts around that core corresponding to the prevailing business cycle. Through this duel strategy, AlphaTilt® aims to enhance risk-adjusted returns across all market phases.

Active & Passive
Strategic & Tactical
Active
Tilt
Results

Moving Higher

Markets are volatile in the short term but consistently move higher over time.

Realistic Goals

Investors return objectives and risk constraints help investors set realistic long-term goals

Earnings

Security prices in the long-term are based on underlying company profits.

Competitiveness

Analyze company financials, including corporate profitability, relative to their peers.

Business Cycle

Top-down analysis of economic cycle.

Active Management

Process of analyzing, selecting, and combining securities by Centric’s Investment Committee to generate excess returns.

Strategic

Longer-term in nature. Asset allocation is shifted based on investor objectives and risk constraints.

Tactical

Shorter-term in nature. Asset allocation is maintained while individual securities are shifted based on fundamentals (ie: business cycle, corporate profits).

Excess Returns

Tactical in nature to generate Alpha; can be defensive or offensive.

Factors

Underlying characteristics of investment securities; macro and style.

Covered Calls

Securities used to generate additional income while participating in rising markets.

Alts

Securities with low correlation to major stock indexes.

Bull Tilt

Strategic subset of high-beta individual stocks.

True Alpha

Defensive in nature but able to achieve superior risk-adjusted returns over the long-term.

AlphaTilt® Portfolios

Strategy/Objective:60%-75% Equity

Designed to deliver enhanced, yet sustainable income from a diversified portfolio of fixed-income, alternatives and factors around a core of proven dividend stocks. Balanced mix with a target yield of 4-6%.

Potential Annual Return1

7.72%

Tilts

Risk 35
Target Risk Score Range3
Risk 50
Strategy/Objective:100% Equity

Designed to earn above market returns over a full market cycle by managing factor tilts around a core of high-quality growth stocks based on the business cycle. Equity returns with defensive characteristics.

Potential Annual Return1

12.50%

Tilts

Risk 45
Target Risk Score Range3
Risk 60
Strategy/Objective:100% Equity

Designed to opportunistically enhance risk-adjusted returns throughout the market cycle by employing strong-market tilts to a core of quality individual stocks. Equity returns with offensive characteristics.

Potential Annual Return1

13.71%

Tilts

Risk 50
Target Risk Score Range3
Risk 70

Blue Chip vs Certain Earnings

Exxon

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Citigroup

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Accenture

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Ball Corp

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S&P Title

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AlphaTilt® Summary

AlphaTilt® aims to generate consistent and sustainable returns while minimizing the risk of capital loss across all market cycles. AlphaTilt® is:

  • Actively managed
  • Concentrated to 25-30 high quality stocks
  • Tilted toward select securities
  • Diversified
  • Low cost

Private Investments

Sponsored by Centric Capital and offered to select clients of Centric; Private Investments, sometimes referred to as alternative investments, are nested in diverse asset classes beyond traditional markets.

Other

Foundation

Foundation

Centric’s Foundation series, which consists of Voyager and Titan, are well built, dynamic portfolios that match your unique risk number. Foundations seek total return while diversifying risk exposures of various asset classes over the long-term.

Satellite

Satellite

Our in-house expertise allows us to build around legacy positions and investment preferences.

Explorer

Explorer

Purposefully built risk-based allocation models for those beginning their investment journey. 

Financial Life
Management

Plan Wisely, Experience Life Fully

The best way to understand where you are now and where you’ll be in the future is to develop a personalized financial life plan. The process begins by understanding who you are and what matters most in your life. We’ll begin with a detailed discovery discussion to help us tailor recommendations to your situation. We’ll examine where you are now, where you’d like to be, and what financial milestones you hope you achieve along the way.

Planning Unifies All Aspects of Your Life

Our program encompasses all parts of your financial life and ensures that everything is working in concert with each other to build, grow, and protect your wealth.

Lifestyle Planning
Retirement Planning
Legacy Planning

Business Valuation

Provide valuation of business and key performance indicators based on information received from business owner

Cash Flow & Debt Planning

Provide detailed cash flow analysis for client, including providing advice on household expenses such as discretionary expenses and liability payments

Cash Value Insurance Review

Review existing life insurance policy, provide pros & cons of policy, obtain policy objective for client, prepare 1 alternative design

College Consulting

Analyze ability to qualify for college aid & receive customized student profile report comparing college costs

Financial Counseling

Advice on building financial skills, managing financial stress, and managing relationships with others involved in family matters

Financial Life Plan

Comprehensive financial planning with assistance in plan execution and monitoring progress for 12 months. Basic cash flow inputs (ie: total living expenses) included

Financial Life Plan Review

Review, track progress, and make adjustments based on new data & goals on Financial Life Plan initially created by Centric and reviewed within last 4 years

Next Life Divorce Analysis

In-depth financial analysis and advice to attorneys and couples related to divorce

Annuity Review

Review existing annuity policy, provide pros & cons of policy, obtain policy objectives for client, prepare 1 alternative design

Best Life Retirement Navigator

Identify current and future income sources and expenses. Review pros and cons of existing retirement plan. Give advice to improve success rate of retirement plan

Business Valuation

Provide valuation of business and key performance indicators based on information received from business owner

Financial Life Plan

Comprehensive financial planning with assistance in plan execution and monitoring progress for 12 months. Basic cash flow inputs (ie: total living expenses) included

Financial Life Plan Review

Review, track progress, and make adjustments based on new data & goals on Financial Life Plan initially created by Centric and reviewed within last 4 years

Individual Security Analysis

Review individual security and provide recommendation (ie: Buy, Hold, Sell)

Portfolio Risk Analysis

Quantify the amount of risk in a given portfolio (ie: Risk Score 55) and compare to risk tolerance of client

Stock Option Tax Analysis

Provide advice and tax implications on various types of stock options

Business Valuation

Provide valuation of business and key performance indicators based on information received from business owner

Cash Value Insurance Review

Review existing life insurance policy, provide pros & cons of policy, obtain policy objective for client, prepare 1 alternative design

Financial Life Plan

Comprehensive financial planning with assistance in plan execution and monitoring progress for 12 months. Basic cash flow inputs (ie: total living expenses) included

Financial Life Plan Review

Review, track progress, and make adjustments based on new data & goals on Financial Life Plan initially created by Centric and reviewed within last 4 years

Risk
Management

Managing Risk to Keep Your Financial Life on Track

A plan that is only successful if “everything goes right” is like a car without breaks. Our experts know that a plan is not sound without precautions taken, so we integrate strategies to minimize the financial damage of life’s uncertainties and unwelcomed events.

Risk Elements®
Live Life Without Fear

Live the life you’ve always imagined. Know and take action against the various Risk Elements, freeing yourself from the what-ifs in life.

 

Blue.

The dependency on active employment to fund lifestyle plans and achieve objectives.

Blue

The negative effect of political decisions on your retirement, lifestyle and legacy plans.

Tax

The negative effect to your plans due to the increase in future tax rates.

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The adverse effect on your plan due to reduction in the real value of an asset or loss of purchasing power over time.

Liquidity

The inability to convert assets quickly enough to cash to fund obligations on time.

Illness Injury Blue

The derailment of your plans due to major illness or injury.

Disability Blue

The negative effect to your lifestyle plan should you not be able to engage in meaningful work.

Long-Term care Blue

The negative effect to your lifestyle, retirement and legacy plans should you need ongoing assistance.

Death Blue

The negative financial impact of dying early.

Longevity Blue

The possibility that you will live longer than your retirement funds will last.

Market Blue

The misalignment of risk tolerance leading to harmful over exposure to stock market losses.

Concentration Blue

The over exposure in your portfolio to a particular stock/bond/sector.

Correlation Blue

The over exposure to assets that move too similarly to one another.

Sequence Blue

The danger that the timing of withdrawals from your investment account will harm your overall return.

Withdrawal Blue

Exceeding the recommended withdrawal amount from your investment portfolio to ensure it lasts.

Value Blue

Not receiving enough benefit relative to the costs associated with the financial product or service purchased.

Advanced Planning

Premium Finance

Allow clients to keep high yield assets where they are and leverage funding without liquidating.

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Retirement Income

Supplement retirement with tax advantaged guarantees to ensure a minimum income.

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Legacy Planning

Pass dollars to future generations or fund estate planning.

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How We Do It

Advisory Team

Legacy of Unwavering Support
Our experienced advisors will guide you through all of your important financial decisions to help accomplish each goal and work with you to update the plan as your family, career, and life evolves.

Specialists

Work with the Best in the Business
Our team of carefully vetted specialists collaborate together to gain a well-rounded, multifaceted view of your financial situation in its entirety, allowing for the best possible strategies and outcomes for you.

Back Office

Streamlined for Simplicity and to Enhance your Experience
At Centric, we provide cutting edge knowledge, resources, and technology solutions backed by extensive and longstanding front line & back office support dedicated to your success.

Advisory Team

Specialists

Back Office

As a CPA and business owner,
I am able to refer my clients to Centric
and know they will go above & beyond to service them.  Centric doesn't just sell a product or service, they care about their clients and are looking out for their best interests.

Deanna Bloodworth

Certified Public Accountant

I trusted William Giffen and Centric with my 401k after I left my full time job to purse my own business. They were extremely hands on. They sat with me to explain what my options were based on my age. They set a realistic expectation and gave me comfort knowing my money was in good hands.

Ricky Amell

Business Owner


I have had multiple dealings with Zac Majors. He is very professional and personable. He takes the time to answer any questions I have and I especially like that he keeps me informed of what's going on with my account. I highly recommend him.

Gary Andrews

Retiree

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