Our Company Values

For those who are looking for financial advice, we realize the available options are many and deciding who to work with is a challenging problem. Listed below are our Company Values which we hope will give you a better understanding of how we operate.

  1. People Matter – We believe that each person is innately valuable and worthy of respect and honor. We believe that relationships matter and that business is relational, top to bottom. People First, Money Second is a priority statement that places people and relationships ahead of financial matters.

  2. Integrity Matters – We believe that integrity and truth matter. We believe we need to conduct our business in such a way that we are “above reproach". We believe suitability and ethical practices come from placing a high value on other people and their needs before our own.

  3. Communication Matters – We believe that communication with our client partners builds and maintains the trust that is necessary for business relationships to reach their full potential. We believe that our client partners deserve the type of communication that is frequent, timely, truthful, & relevant.

  4. Service Matters – We believe that good service is practical and that great service is necessary in the pursuit of business excellence. We will pursue perfection and in so doing “catch a little excellence along the way.” (Vince Lombardi)

Dave McCullers

Mid America Financial Services


Dave entered the Financial Planning/Estate Planning field in the late 80’s . He was raised in Southern Oklahoma but he and his wife Anne have lived in Bedford, Texas for the last 30 years. With his Income Building abilities and his unique communication skills Dave has been invited to speak and teach all across the United States, as well as, Europe, South Africa and Mexico. He is the founder and owner of Mid America Financial Services. He continues to work with his clients in Texas and the surrounding states.


Dave attended Oklahoma State University and holds an MBA in Business and Marketing. He then went to work for the Federal Aviation Administration where he earned an additional degree as a journeyman controller. Dave is also a graduate of the Dale Carnegie Institute of Public Speaking. He entered the Financial Planning field in 1989 and has attained licenses in Texas, Oklahoma, Georgia, California and Tennessee. Throughout his years of working with seniors, Dave has completed various educational courses on different aspects of financial planning, including the following: Ethics for the Insurance Services Practitioner, Annuity Products and Principles, Fixed Indexed Annuities, Texas Fixed Indexed Annuities and Disability Income.


Dave is a Certified Senior Advisor (CSA) A Registered Financial Consultant (RFC) and an approved member of the National Ethics Bureau (NEB) an independent organization of insurance and financial advisors who have maintained an exemplary record of business ethics. His company, Mid America Financial Services, is an Accredited Member of the Better Business Bureau in Fort Worth. He is a member of the Aircraft Owners and Pilot Association. He has a Private Pilot License with an Instrument Rating and enjoys flying his Piper Lance. He joined the Masonic Lodge in 1983 and is a 32nd Degree Mason.