About Kyle Ellison

Kyle Ellison — HRP Financial

Fourth-generation rancher, rooted in the Texas Panhandle. Twenty-plus years in business. I'm Kyle Ellison. I lost my mother, then my dad. At 46 I had a cardiac event — twelve blood clots, three stents. We lost my daughter's show barn to a fire. Each one taught me the same thing: everything you build only matters if the people you love can carry it when you're not there. That's why Heritage Range Partners exists. God, family, business — in that order.

Kyle Ellison, HRP Financial founder, with Banjo — the horse he has owned since 1988 — at the Ellison ranch, Texas Panhandle.
This is Banjo. I’ve had him since the day he was born in 1988, and I broke him to ride myself at eleven. He’s 38. A man learns something about the long haul from a horse he’s kept his whole life — and that’s exactly how I think about a family’s money.

The Man Across the Table

I’m Kyle Ellison. I was raised on the same Texas Panhandle ground my family has worked for four generations — where you learn early that you take care of what carries you, and you hand it down better than you found it.

Before this was a career, I spent 24 years building — commercial sales, major accounts, sales management, years deep in corporate America, and my own businesses alongside the ranch. When the company I’d given years to decided to walk away from rural markets rather than keep a place for a man out here, I chose the land over the ladder.

I’ve been a rancher, a salesman, an IT guy, and a business owner. That’s not a résumé line — it’s the reason I can look at a family’s whole picture instead of one corner of it.

Why This Work Is Personal

I did not come to this work through a classroom

Four times my family has run into something nobody planned for. Each one taught me the same lesson from a different direction, and together they are the reason I do this.

November 27, 1995

I lost my mother

Cancer. I was eighteen years old. That was the first time I watched a family try to absorb something no one had prepared for, and the first time I understood that hard work on its own does not hold a family up when the worst happens.

December 16, 2020

I lost my dad

Twenty-five years after my mother, the same questions came back around. This time I was the one left holding things together, and I understood them differently from that side of the table.

November 9, 2023

Three stents at forty-six

I had been pulling cable in Boise City two days before and sorting cattle the day before that. I felt fine. Then I was fixing a door at the house and everything changed. I was alone. I called Tammi. Ashten walked in and asked me straight out whether I was having a heart attack.

The question I kept asking in that hospital bed was not about money. It was whether the people I love would be all right if something went wrong. The answer told me everything I needed to change.

November 8, 2024

One spark, and the barn was gone

An exhaust fan threw a spark and took Ashten’s show pig barn. She screamed and I ran — my house shoes came off in the mud. The smoke turned black. I got within five feet of the barn door before something turned me around, and the doors blew out right where I had been standing. The firefighters told me it was two to twenty-five hundred degrees inside.

It was exactly 364 days after the stents. Same family. Same place. One day short of a year.

And I’ve watched what happens when a family isn’t set up right. When my grandmother passed in 2005, my dad had to buy the rest of the family out just to keep the land together. It turned into a hard five-year stretch, and it cost us more than money. Thirteen cousins who used to get together every year barely speak now — we don’t come together anymore except for a funeral. Nobody did anything out of meanness. It just wasn’t set up ahead of time, and the not-planning is what did the damage. I carry that with me into every conversation.

That is why I sit down with ranch families and business owners the way I do. Not from a textbook, and not from a script — from having been the one asking whether what we built would hold if I were not here to hold it. Most families have never been asked that question out loud. Asking it, and then building around the answer, is the whole job.

The Whole Road

People ask why a man’s done so many different things — rancher, salesman, IT, now finance. It isn’t scattered. It’s the same thread the whole way.

Growing up farming and ranching, you learn to be your own mechanic — you fix what breaks because you can’t always afford to call somebody. You become a jack of many trades out of necessity. I carried that into everything after: I worked feed yards and grain elevators, trained horses, ran outside cattle — usually several jobs at once — while I studied computer systems and business in college. Then I spent 14 years in corporate America, working up from entry-level commercial sales to major accounts, to sales manager, to IT consulting. When I went out on my own in IT, I did most of it myself — and when a job called for a specialist, I knew exactly who to call, because I’d spent a lifetime meeting those people.

That’s what I bring to the table now. I’m not a one-lane specialist who only sees his own corner. I’ve lived the rancher’s side, the business owner’s side, the corporate side, and the technology side — so when a family or a business sits down with me, I understand not just the numbers, but how they actually live and why they do things the way they do. And when we need an expert I’m not, I know who to bring in. Most folks in this business own one piece of the road. I’ve walked the whole thing.

What I Believe About Money

Most families never get shown the whole picture. Money gets stuffed away for the long haul — locked up behind taxes and penalties — and that gets called a plan. Then you’re told to go build an emergency fund somewhere else, on your own. I’ve never understood why it has to be split like that. Why can’t the pieces work together — access when life throws the unexpected at you, growth for the long haul, and protection so one bad stretch at the wrong time doesn’t undo years of work?

And nobody ever sat me down, as a small business owner, and walked through the tax side — what I could actually do to keep more of what I built. That’s one of the first places I look now, because it’s where families quietly lose ground for years without ever knowing it.

A lot of folks in this business say “mission before commission.” I’d rather live it than say it — by building the plan around what’s genuinely best for the family, not what locks them in.

My Promise

Pass down freedom, not debt. That’s the whole thing.

I’ll always do what’s right for you, and I’ll tell you straight — the way I was raised, a handshake is your word, and you stand behind it. If I don’t have the answer, I’ll go find the people who do. What I’ll never do is anything unethical, anything untrue, anything that’s good for me and wrong for you. That’s not a policy. It’s just how I was brought up.

Who I Help

I built this for ranching families and small business owners — people whose income has a season, whose wealth is tied up in land and equipment, and who were never handed a plan that fit how they actually live.

Mostly I sit down with folks in their 40s, 50s, and 60s — the years when the decisions you make, or don’t make, shape everything that comes after. But I care just as much about both ends of that. The young ones just starting out, still taking advice from parents who were never taught this either. And the folks in their 60s and 70s who followed that same advice their whole lives and were never told how it’d be taxed or penalized when it finally came time to use it.

That’s part of why I’m building something bigger than me. My oldest daughter, Kenna, just passed her exam and is getting licensed now — so she can help families her own age the way I help mine. This isn’t a one-man shop. It’s a family building something meant to outlast any of us.

The Ellison family — Kyle, Tammi, Kenna and Ashten

How I Work

For me it goes God, family, then business — in that order, and not as words on a wall. It shows up in how I do this: I’m here to serve and help, not to talk you into anything. If I see something that needs addressing, I’ll say so. If you’ve got a question, I’ll answer it straight. I’d rather teach you something you keep for life than sell you something you don’t understand.

If you’ve built something with your own hands — a ranch, a business, a life — you deserve someone across the table who’s built something too, and who’ll help you protect it and hand it down whole.

We Always Get Back Up

One last thing, because it’s what I’d most want you to know. Life is going to knock you down — I’ve had my teeth knocked out more than once. What matters is that you get up, dust yourself off, and take the next step. I keep my eyes on God, and every time I’ve been knocked flat, He’s the one who helped me up, checked on me, and turned me loose to go again. Keep your eyes on Him and things work out — for His glory, and for your good too. That’s how I live, and it’s how I show up for the families I work with. We keep moving forward. We always get back up.

Let’s sit down.

Schedule a Strategic Partnership Session →
🛡️
Kyle Ellison
Licensed Financial Professional · Bushland, Texas

Licensing

I’m licensed to offer insurance and financial services in six states:

✅ Texas License #3230691 ✅ California License #4516703 ✅ Nevada License #4125227 ✅ Montana License #3004361999 ✅ Utah License #1130143 ✅ New Mexico License #21320523

I work with families throughout the Texas Panhandle and across Texas, and with ranch and business owner clients in California, Nevada, Montana, Utah and New Mexico.

Where I’m From

I was born in Dumas, Texas — the nearest hospital to my hometown of Stratford, Texas, where I was raised on my family’s ranch. I’ve called Bushland, Texas home since 2003. My family has worked the land near Stratford for four generations, and that gave me a firsthand understanding of what ranch families actually carry: the feast-or-famine rhythm of agricultural income, the weight of land that holds both economic value and family identity, and the challenge of succession planning when the operation is tangled up with the retirement plan.

That background isn’t a marketing narrative. It’s the lens I bring to every conversation. When a rancher tells me he doesn’t want to lose the land his grandfather broke out in the Dust Bowl, I don’t hear a financial planning problem — I hear a family story that deserves to continue. The planning exists to serve that story.

Twenty-Four Years of Building

Before I focused on financial work, I spent more than 24 years in business — including over 11 years running an IT consulting practice, Ellison IT Consulting. I’ve built businesses at the same time, managed the financial complexity that comes with operating multiple entities, navigated self-employed income and business owner retirement planning, and learned from the inside what it means to have your personal security tied directly to a business you built.

That’s what makes me a different kind of professional to sit across from. I’m not translating textbook concepts into plain language. I’m drawing on the same problems the families I work with are living — self-employment tax, operating cash flow, business succession, and the pull every small business owner feels between reinvesting in the business and building something outside of it.

Planning Tools and Resources

Mortgage Calculator

See your true PITI monthly cost before you buy

Retirement Calculator

How much do you actually need — and are you on track?

Debt Payoff Calculator

Avalanche vs snowball — see the real cost of each

Investment Growth

Watch compound interest work over time

Estate Planning

What does your family actually inherit?

Ranch Retirement

Planning built for agricultural income patterns

Business Owner Retirement

When your business is not your retirement plan

Generational Wealth

How much actually reaches the next generation
Contact

Phone: 806-683-3110

Email: kyle@hrpfinancial.com

Location: Bushland, Texas (serving TX, CA, NV, MT, UT, NM)

Schedule: calendly.com/kellison77/heritage-review-call

Kyle Ellison with his mare Lady at the family ranch pens, Texas Panhandle.
The Long Haul

That’s Lady. I bought her as a 3-year-old in 1998 and trained her myself — she’s 31 now. She and Banjo taught my wife and both my daughters to ride. Helping families hold on to what they built and hand it down whole — that’s the same work, just off the horse.

Kyle Ellison, licensed financial professional, Texas Panhandle.
Meet Kyle

Licensed in six states. Raised on this land.

I’m licensed in Texas, California, Nevada, Montana, Utah and New Mexico, and I’m a fourth-generation Texas Panhandle rancher. I work with ranch families and business owners on protecting what they’ve built and passing it down whole.