Umbrella Medical
Alamo Exchange helps individuals, entrepreneurs, and small businesses take greater control of healthcare costs.
Instead of relying only on traditional health insurance, we build innovative healthcare strategies that combine direct medical care, diagnostic services, prescription savings, medical savings programs, cooperative arrangements, and catastrophic medical protection.
Our goal is simple: lower cost, easier access, more choices, and greater control over how healthcare dollars are spent.
For small businesses, Alamo Exchange can help create an employee health benefit strategy that is easier to understand, more predictable, and designed around the needs of the business and its employees—not the limitations of a traditional insurance plan.
We believe better healthcare does not always require more insurance. Sometimes it requires a better way to access, finance, and protect against the cost of care.
Complete Asset Protection.
Alamo Exchange is a private health and tax advisory firm in San Antonio that helps individuals, families, and small businesses protect assets and cut wasteful healthcare spending. Founded by a finance graduate, Registered Tax Return Preparer, and licensed insurance professional, we design private health plans linked directly to long-term financial security.
Turning Frustration Into Strategy
In 2016, hitting age fifty and facing steep ACA premiums, our founder treated healthcare like a financial problem. With a finance degree and years of advisory work, he compared costs, negotiated options, and proved that families could keep strong medical protection without sacrificing college savings, weddings, retirement plans, or business growth.
Complete Health & Tax Operating System
That work became Proper Health in 2021 and the Umbrella Medical ecosystem, combining major medical protection, direct primary care, diagnostics, and tax-aware advice. Today, our clients gain a simple operating system for healthcare and taxes that guards property, savings, and business value while keeping monthly costs under control.
Why Choose Us
Local since 2008, we unite private health planning and tax expertise.
Local Roots
Tax Insight
Health System
Asset Shield
Meet Charles Falgout
Charles Falgout has owned and operated Alamo Exchange since 2008, guiding families, self-employed professionals, and business owners through health and tax decisions. As a University of Texas at San Antonio finance graduate, Registered Tax Return Preparer, and licensed insurance professional, he treats rising healthcare costs as a financial problem to solve, not a bill to endure. His own struggle with ACA premiums at age fifty led to creating Proper Health and the Umbrella Medical ecosystem, which helps clients cut wasted premiums and protect assets. Charles offers straightforward, numbers-driven conversations that connect private health plans with tax strategy. Schedule a call to walk through your situation together.
Decades Of Experience
Since 2008, we have helped local families and business owners protect wealth against escalating healthcare and tax pressures.
Personalized
We listen first, map out your health and tax picture, then design practical steps that fit your real budget.
Integrated
Every private health plan is reviewed through a tax and cash flow lens to strengthen long-term asset preservation.
Proven Trust
Clients, including five-star reviewers like Robert Ramirez, rely on us for clear guidance and steady financial protection.