Our History

Our company’s foundation is built on the dedication, vision, and leadership of Terry Walters and his wife, Francine Carrio-Walters. Together, they bring a powerful blend of experience and innovation to Walters Asset Protection, united by one mission: to help families across America build, grow, and protect generational wealth.

Terry Walters has been a trusted figure in the financial services industry since 2001. His career spans over two decades and includes working as a private consultant and leading a successful mortgage loan business. With more than 2,500 clients served, Terry brings a deep understanding of the financial needs of American families—across all income levels and backgrounds. From mortgages and retirement planning to estate strategies, tax-free savings, credit restoration, real estate investing, insurance, and commercial lending—Terry’s comprehensive knowledge and proven track record have helped clients navigate every kind of economic climate with confidence and success.

Francine Carrio-Walters has been the driving force behind the company’s educational mission and expansion. As the founder of Walters Asset Protection, Francine saw a critical need to bring the same wealth-building strategies used by the elite to the heart of Middle America. Her passion lies in simplifying complex financial concepts and making them accessible to everyday families. Through a strong social media presence, Francine has educated thousands, offering practical tools on retirement planning, investment strategies, and financial protection—empowering others to make informed, confident decisions about their futures.

Continuing the legacy, Tristan Carrio has now joined the family business, bringing fresh energy and a deep sense of purpose to serve the next generation. His involvement ensures long-term continuity for our clients and reaffirms our commitment to building lasting relationships that span lifetimes.

Together, Terry, Francine, and Tristan represent a multigenerational team rooted in service, transparency, and a shared commitment to financial literacy, legacy building, and long-term client success.

About Terry Walters

Terry Walters has been in the financial services industry since 2001. Terry brings the financial concepts that the wealthy use to Middle America. From investment properties to retirement portfolios, his vast experience has weathered different economic climates, and he has helped his clients thrive.

With over 2,500 clients helped, Terry Walters understands the needs of the American family when it comes to planning for a mortgage, insurance needs, retirement planning, tax-free savings, estate planning, credit repair, real estate investing, commercial loans, and a list of other financial resources.

From being a private consultant to running a successful mortgage loan business, Terry Walters understands the needs of the community from all walks of life and economic statuses. His mission is to help people improve their financial literacy and gain clarity on their financial goals while building lasting relationships with his clients.

A Texan since 1989, born and raised in Illinois, Terry loves to travel, spend time with family, experiment with his new barbeque grill, and occasionally dance to the beat of some good music with his wife. As a stepfather of two beautiful young adults, he spends as much time as he can offering guidance and advice as they enter their independent lives. Developing his stepchildren to become well-rounded citizens is a priority. He loves to discuss the latest college class topics and hear what is taught these days.

His therapeutic activities include relaxing on the beach, lifting weights, reading, and traveling. He is passionate about financial security, and at any opportunity he can, he shows his stepchildren the power of what it is to run a business and control your time. He shares his life with his beautiful wife, Francine Carrio-Walters.

About Francine Carrio-Walters

Francine

Carrio-Walters

Francine Carrio-Walters was an educator for over 21 years. In 2022 she joined Terry’s team to help bring financial literacy to Middle America in wealth accumulation strategies and in establishing generational wealth. Francine brings her experience in education to teach strategies that the wealthy have used since 1904 to accumulate more and to build a legacy for generations to come.

A Texas A&M graduate and native Texan of Mexican descent, Francine's heart of a teacher wants everyone to have a clear understanding of what a solid retirement plan should have to fully prepare her clients for the unexpected. She takes pride in providing her clients with financial literacy and solutions tailored to their needs.

Case-designing plans for clients to make sure their current wealth accumulation strategies are in alignment with their retirement goals is a priority. Providing education on the living benefits of life insurance and its versatility in retirement planning will ensure a lifelong relationship with her clients. She prides herself in offering clients a variety of ways to protect their assets and accumulate more. Honesty, integrity, and consistency are what you will receive from the Walters’ team.

Francine loves to travel, read on a broad range of topics, spend time relaxing on the beach, and dance every opportunity she gets with her husband and friends. As a mother of two beautiful young adults, she spends as much time as she can with them when they aren’t too busy. She loves learning about the latest social media topics of discussion and what is new in their lives. They are great at keeping her updated on what is going on in their world.

When not meeting with a client, volunteering at a community event, or spending time with family and friends, her therapeutic activities include cooking, lounging in the pool, and weightlifting. She is passionate about financial freedom and takes advantage of every opportunity she can to show her children how to align their actions with their goals.

Credibility and comfort in working with an individual is important. As such, I have provided you with the state website. Click HERE to search for my license, a picture of my license, and lastly some testimonials of individuals who have worked directly with me. Feel free to also follow me on YouTube, Facebook, Instagram, Tiktok and LinkedIn.

About Tristan Carrio

Tristan Carrio is a licensed professional specializing in retirement planning at Walters Asset Protection. Though new to the industry, Tristan brings a strong work ethic, a deep commitment to his clients, and a passion for helping families secure their financial futures.

Tristan has dedicated himself to learning the proven strategies that the wealthy have used for generations to build and preserve wealth. He is now bringing these same powerful tools to middle America—empowering individuals and families to take control of their financial legacy.

Guided by experienced mentors with over a decade of success in wealth-building strategies, Tristan ensures each client receives thoughtful, informed, and personalized support. As he continues to grow in his career, Tristan is proud to carry on the family business and is committed to providing long-term guidance and care for generations to come.

Our History

Our company’s foundation is built on the dedication, vision, and leadership of Terry Walters and his wife, Francine Carrio-Walters. Together, they bring a powerful blend of experience and innovation to Walters Asset Protection, united by one mission: to help families across America build, grow, and protect generational wealth.

Terry Walters has been a trusted figure in the financial services industry since 2001. His career spans over two decades and includes working as a private consultant and leading a successful mortgage loan business. With more than 2,500 clients served, Terry brings a deep understanding of the financial needs of American families—across all income levels and backgrounds. From mortgages and retirement planning to estate strategies, tax-free savings, credit restoration, real estate investing, insurance, and commercial lending—Terry’s comprehensive knowledge and proven track record have helped clients navigate every kind of economic climate with confidence and success.

Francine Carrio-Walters has been the driving force behind the company’s educational mission and expansion. As the founder of Walters Asset Protection, Francine saw a critical need to bring the same wealth-building strategies used by the elite to the heart of Middle America. Her passion lies in simplifying complex financial concepts and making them accessible to everyday families. Through a strong social media presence, Francine has educated thousands, offering practical tools on retirement planning, investment strategies, and financial protection—empowering others to make informed, confident decisions about their futures.

Continuing the legacy, Tristan Carrio has now joined the family business, bringing fresh energy and a deep sense of purpose to serve the next generation. His involvement ensures long-term continuity for our clients and reaffirms our commitment to building lasting relationships that span lifetimes.

Together, Terry, Francine, and Tristan represent a multigenerational team rooted in service, transparency, and a shared commitment to financial literacy, legacy building, and long-term client success.

About Terry Walters

Terry Walters has been in the financial services industry since 2001. Terry brings the financial concepts that the wealthy use to Middle America. From investment properties to retirement portfolios, his vast experience has weathered different economic climates, and he has helped his clients thrive.

With over 2,500 clients helped, Terry Walters understands the needs of the American family when it comes to planning for a mortgage, insurance needs, retirement planning, tax-free savings, estate planning, credit repair, real estate investing, commercial loans, and a list of other financial resources.

From being a private consultant to running a successful mortgage loan business, Terry Walters understands the needs of the community from all walks of life and economic statuses. His mission is to help people improve their financial literacy and gain clarity on their financial goals while building lasting relationships with his clients.

A Texan since 1989, born and raised in Illinois, Terry loves to travel, spend time with family, experiment with his new barbeque grill, and occasionally dance to the beat of some good music with his wife. As a stepfather of two beautiful young adults, he spends as much time as he can offering guidance and advice as they enter their independent lives. Developing his stepchildren to become well-rounded citizens is a priority. He loves to discuss the latest college class topics and hear what is taught these days.

His therapeutic activities include relaxing on the beach, lifting weights, reading, and traveling. He is passionate about financial security, and at any opportunity he can, he shows his stepchildren the power of what it is to run a business and control your time. He shares his life with his beautiful wife, Francine Carrio-Walters.

About Francine Carrio-Walters

Francine

Carrio-Walters

Francine Carrio-Walters was an educator for over 21 years. In 2022 she joined Terry’s team to help bring financial literacy to Middle America in wealth accumulation strategies and in establishing generational wealth. Francine brings her experience in education to teach strategies that the wealthy have used since 1904 to accumulate more and to build a legacy for generations to come.

A Texas A&M graduate and native Texan of Mexican descent, Francine's heart of a teacher wants everyone to have a clear understanding of what a solid retirement plan should have to fully prepare her clients for the unexpected. She takes pride in providing her clients with financial literacy and solutions tailored to their needs.

Case-designing plans for clients to make sure their current wealth accumulation strategies are in alignment with their retirement goals is a priority. Providing education on the living benefits of life insurance and its versatility in retirement planning will ensure a lifelong relationship with her clients. She prides herself in offering clients a variety of ways to protect their assets and accumulate more. Honesty, integrity, and consistency are what you will receive from the Walters’ team.

Francine loves to travel, read on a broad range of topics, spend time relaxing on the beach, and dance every opportunity she gets with her husband and friends. As a mother of two beautiful young adults, she spends as much time as she can with them when they aren’t too busy. She loves learning about the latest social media topics of discussion and what is new in their lives. They are great at keeping her updated on what is going on in their world.

When not meeting with a client, volunteering at a community event, or spending time with family and friends, her therapeutic activities include cooking, lounging in the pool, and weightlifting. She is passionate about financial freedom and takes advantage of every opportunity she can to show her children how to align their actions with their goals.

Credibility and comfort in working with an individual is important. As such, I have provided you with the state website. Click HERE to search for my license, a picture of my license, and lastly some testimonials of individuals who have worked directly with me. Feel free to also follow me on YouTube, Facebook, Instagram, Tiktok and LinkedIn.

About Tristan Carrio

Tristan Carrio is a licensed professional specializing in retirement planning at Walters Asset Protection. Though new to the industry, Tristan brings a strong work ethic, a deep commitment to his clients, and a passion for helping families secure their financial futures.

Tristan has dedicated himself to learning the proven strategies that the wealthy have used for generations to build and preserve wealth. He is now bringing these same powerful tools to middle America—empowering individuals and families to take control of their financial legacy.

Guided by experienced mentors with over a decade of success in wealth-building strategies, Tristan ensures each client receives thoughtful, informed, and personalized support. As he continues to grow in his career, Tristan is proud to carry on the family business and is committed to providing long-term guidance and care for generations to come.

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