James Dixon Cummings, President & Founder since 1991, JD Cummings Partners in Austin, Texas. Licensed as a Texas annuity agent since 1991, is a nationally recognized authority on fixed indexed annuities, tax mitigation for IRA distributions, and inherited IRA planning for beneficiaries.

With over three decades of experience, Dixon offers deep expertise in retirement income strategies and estate planning—tools he regards as essential to every family’s long-term financial security and legacy protection.

Known for his passion, empathy, meticulousness, and creativity, Dixon brings complex concepts to life through compelling visuals, one-on-one guidance, and educational seminars. His mission is rooted in empowering families to protect what matters most—and pass down their stories with intention.

Since founding JD Cummings Partners in 1991, J. Dixon Cummings has become a trusted leader in estate planning, blending deep technical expertise with evocative storytelling to help families navigate life’s most meaningful decisions.

With over three decades at the helm, Dixon has developed a unique approach that transforms estate planning into personal legacy-building, crafting strategies that reflect his clients’ values as much as their assets.

Among his most sought-after solutions are:

• “Pension-like” Guaranteed Lifetime Income Plans – providing lasting stability and predictability throughout retirement

• Roth Laddering Conversion Strategies – a phased, tax-efficient approach to mitigating the burden of IRA and inherited IRA tax distributions

Dixon’s reputation is built on a foundation of clarity, integrity, and education. Through exclusive seminars and personalized guidance, he empowers families to make informed financial decisions—preserving their wealth and values for generations to come.