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Three generations under one Houston roof. Douglas Finley and Charles McDade.

What makes a name worthy of the people who carry it?

About Charles McDade

Charles McDade, LUTCF, is the founder of McDade Insurance Brokerage Group, LLC in Houston, Texas. Independent property and casualty broker. Grandson of the late Douglas Finley, founder of Naknan Inc. The first African American board member of the Independent Insurance Agents of Houston after one hundred and one years.

Pillar One

Family Heritage

The man who taught me what protection means

Douglas Finley fought in the Korean War. He came home with a Thai woman who would become my grandmother and a discipline that would become the family inheritance.

For the first eleven years of my life, I lived under one roof with my mother, my grandfather, and my grandmother. He took me everywhere. Even after my mother married and we moved out, I saw them every week.

What I learned from him in those years built the agency I run today.

He taught me that infrastructure is Swiss cheese. One wrong click on the wrong email. One USB drive plugged into the wrong machine. The whole system goes down. Most companies in his era focused on blacklisting, blocking what they already knew was bad. He pioneered whitelisting. Keep only what you need on the counter. Quarantine everything else.

He taught me that the most dangerous viruses behave like the common cold. They mutate. They change their code with every infection. The only way to stop them is a system designed to recognize what should be there, not chase what should not.

In 1997, he turned that discipline into a company. Naknan Inc., founded in Houston, with one mission. Make new internet safer.

His earlier engineering work supported NASA's Apollo-Soyuz mission in 1975 and the Viking Mars mission in 1977. By the early 2000s, Naknan's Security Assistant product was running on systems at NASA and at U.S. power plants. By 2011, the Department of Homeland Security was using Naknan in cybersecurity training.

He passed on February 7, 2024. The lineage he started runs through every coverage I write.

Young Charles McDade with grandfather Douglas Finley
1975 NASA Certificate of Appreciation presented to S.D. Finley for contributions to the Apollo-Soyuz Mission

NASA Apollo-Soyuz, 1975

1977 NASA Group Achievement Award certificate for the Deep Space Network Operations and Engineering Team supporting the Viking Mission

NASA Viking Mars, 1977

mcdade-naknan-1989-systems-engineering

Systems Engineering, 1989

mcdade-naknan-doug-finley-unisys

Doug Finley at Unisys, early 1990s

mcdade-naknan-2011-dhs-cybersecurity

DHS Cybersecurity Training, 2011

mcdade-naknan-2011-houston-cybersecurity-symposium

Houston Critical Infrastructure Symposium, 2011

Pillar Two

The Founder Story

Friendswood, Texas. The first arena.

I tried baseball. I tried basketball. Nothing set my heart on fire like football.

The Clear Brook Wolverines became my first team. Three years of letters earned. None of it was the part that mattered.

The part that mattered was the dog days of two-a-day practice. The August heat. The drills nobody wanted to finish. The moment when every player on the field was sure he had nothing left.

That was when Coach Garrison would yell.

Charles McDade as a Clear Brook Wolverines football player Number 52, with Coach Garrison and the Ministers of Defense team

 

Clear Brook Wolverines. Number 52. With Coach Garrison and Mrs. Garrison.

All I want, is all you got. Coach Garrison, Clear Brook High School

The need to know what was at the bottom of all I had drove me to finish every rep of every drill. That same need drives me today.

Nicholls State. Where competition became a calling.

Full athletic scholarship. Division 1. Offensive line. Number 52.

September 1, 2007. Rice Stadium, Houston. I was a true freshman backing up the offensive line. The senior class wanted to come home to Houston and prove something. They did. We beat Rice 16 to 14.

For a Houston kid wearing the Nicholls jersey, that win felt like the homecoming.

Charles McDade Number 52 Nicholls State Colonels offensive line (2)

 

Number 52, Nicholls State Colonels offensive line.

Three years later. November 18, 2010. The River Bell Classic against Southeastern Louisiana. I was a senior. Starting center. We took the trophy back to Thibodaux 30 to 14.

Charles McDade with the River Bell trophy after Nicholls State defeated Southeastern Louisiana 30 to 14 on November 18, 2010

 

River Bell Classic, November 18, 2010. Nicholls State 30, Southeastern Louisiana 14.

Four years on the team. Four-year letter winner, announced at the end. Bachelor of Science in Marketing with a concentration in Professional Sales, awarded May 2011.

Coach Garrison was right. There was always more at the bottom of all I had.

The Next Arena

Kennesaw, Georgia. 2011.

Football ended in May. Three months later I was on stage at the National Collegiate Sales Competition in Kennesaw, Georgia. The first time I learned that competition was not a sport. It was a calling that would follow me into every room I entered for the rest of my life.

The arena had no helmets. The drills were different. The pressure was the same.

Coach Garrison was still in my head.

All I want, is all you got.

The man who built me told me he would not pay me.

I came home from Kennesaw with my degree, my sales hardware, and a plan. I would walk into Naknan and ask my grandfather for a job. Three generations under one roof. The lineage continuing the way I had always assumed it would.

He looked at me. He said he would pay me three hundred dollars a month. Not a penny more.

I did not understand it then.

What I understood later was that he loved me too much to let me ride the company down with him. Naknan was failing. He could see it. He knew I could not see it. So he priced me out of the family business on purpose. Three hundred dollars. The number that would force me to look somewhere else.

I took an internship at Liberty Mutual to prove him wrong.

It took me ten years to realize he was the one who was right.

He lived to see me realize it. That mattered more than I knew at the time.

The grandfather who taught me what protection means did the most protective thing he could have done. He let me go before the ground gave way.

Liberty Mutual. Six years. The arena had changed shape.

September 2011. Sales Intern, Liberty Mutual Kingwood. A Clear Brook friend was already on the team. I worked his hours and then mine. I came in early. I stayed late. I was fresh from football, so long days felt normal.

Inside two months I had increased my assigned representative's production by eighty percent. They promoted me from Intern to Sales Associate.

December 2012. Lead Sales Representative, Liberty Mutual The Woodlands.

Thirty-eight days into my book of business I won the Liberty Mutual Lamp Lighter award. Fastest in company history. Inside the same first nine months I was named Countrywide Rookie of the Year. Top producer in the country.

The year after that. Liberty Leader Distinction. Top one hundred and eighty representatives nationwide. Four years running.

Zone Awards in 2014. Auto Bronze. Home Bronze. Life Silver. December 2014 I earned the LUTCF, the American College Life Underwriting Training Council Fellow designation.

Charles McDade and Dr. Allison McDade at the Liberty Mutual Rookie of the Year incentive trip in 2013

 

Rookie of the Year incentive trip with Allison, 2013.

The work felt the same. Every rep. Every drill. All I had.

Why I left.

The local service team got fired or relocated to Plano. Some moved cities. Some lost their jobs. Many of them were my friends. All of them were my team mates.

The phone calls our clients used to make to a person they knew started routing to a centralized call center somewhere they had never heard of. I was asked to focus on sales. Not on the people who had blessed me with their trust.

To be blunt, the system had broken the promise. The product stayed on the shelf. The people who made the product worth selling were gone.

We are promise before product. When service fails, the promise fails.

I had watched what happened when an organization stopped being able to keep its word. My grandfather had built a company that kept its word until the floor gave out from under him. I was not going to stand on a floor I knew was already shifting.

So I started looking for the door.

Both sides of the coin I never got the chance to touch.

My non-compete with Liberty Mutual closed in the fourth quarter of 2019. Before I built McDade, I went to learn the two disciplines that would make the agency complete.

Paylocity

August 2017 to December 2018

HCM Account Executive. High level B2B technology. I learned how the most progressive payroll platform in the country sells to mid-sized organizations from fifty employees to four hundred. I learned what tech-forward sales actually looks like. That discipline built the technology stack the agency runs on today.

Alliance Recruiting Resources

January 2019 to December 2019

Account Manager for nationwide physician placement. I learned how to find, qualify, and advance high-level talent at the speed the market demands. I closed the fastest first deal in the company's ten-year history. One hundred and eighty thousand dollars in five weeks. That discipline built the Pathway Program.

Two years away from insurance proved the edge was not industry-specific. The edge was the willingness to compete with myself in any room I entered. Both lessons came home to McDade.

June 1, 2020

McDade Insurance Brokerage Group.

I had been hard at work long before the pandemic. The non-compete closed in the fourth quarter of 2019. I signed with Premier Group Insurance, our aggregator, in March of 2020. The country shut down a few weeks later. I did not.

June 1, 2020 was the grand opening. Three months into a pandemic. One promise on the wall.

McDade is my last name. I will make it worthy of my wife and children who carry it.

Pillar Three

Recognition

The industry has been listening

Paradiso Presents Volume 7 Be the Last Agent Standing chapter by Charles McDade

Fire Must Be Tended

Be the Last Agent Standing, Volume 7, Paradiso Presents, 2023

A chapter on mentorship, the lonely road of starting an agency, and the obligation to tend the torches for those who follow. Co-Cover Agent and chapter author.

Read the Chapter
Agent for the Future article From Spite to Service The Lessons That Built My Insurance Career

From Spite to Service

Agent for the Future, Liberty Mutual and Safeco, 2025

The lessons that built my insurance career, told for the agents coming up behind me.

Read the Article
Rough Notes Young Pro-Files November 2024 Grateful for the Influence of Others

Grateful for the Influence of Others

The Rough Notes Company, Young Pro-Files, November 2024

A Texas agency owner appreciative of the people who helped shape the journey. Serving the insurance industry since 1878.

Read the Article

Industry Podcasts

Taking the Scare Out of Cyber Security

Tony Alberti, 2021

Three steps every business needs. Training. Prevention. Coverage.

Power Producers, Hangin' With Sir Charles

David Carothers, 2022

Mod-first client education and how it changes the conversation with commercial buyers.

Insurance, You Indemnify Me

Shawn Michael Walker, Season 2 Episode 12, 2022

What it means to lead with authenticity in a captive-trained industry.

Wine Down With Kevin Spann

Kevin Spann, 50 Agents 50 Podcast Episode 27, 2024

Legacy, leading independently, and the long road of building an agency on your own terms.

AgencyFocus, Starting From Scratch

Carey Wallace and Lindsay Sexton, Episode 104, 2025

Building an agency from scratch when the captive door closed behind you.

Connected Conversations in Insurance

Ray Huang, Canopy Connect, 2025

Resilience as a daily discipline, not a one-time decision.

Speaking, Honors, and Recognition

Charles McDade speaking at Insurance Soup Live 2024 at Shift 4 Arena, Texas Live (2)

Insurance Soup Live, Shift 4 Arena, 2024

Charles McDade on the 57 Lions No Sheep panel

57 Lions No Sheep Panel

charles-mcdade-travelers-star-2025

Travelers S.T.A.R. Agency, 2025

  • Upcoming October 2026, ITC Vegas Speaker. Growing Greatness, Passing It On. A New Way to Think About Hiring
  • 2026 Houston Insurance Day Pathway Program Lead, with IIAH and Alief ISD, February 2026
  • 2025 Emerging Leader Award Winner, Liberty Mutual and Safeco Agent for the Future, December 2025
  • 2025 IIA-Houston Board Member, the first African American board member after one hundred and one years
  • 2025 Travelers S.T.A.R. Superior Travelers Agent Recognition
  • 2025 Travelers Agent Leadership Program
  • 2024 Insurance Soup Live Speaker, Shift 4 Arena, Texas Live
  • 2024 Rough Notes Young Pro-Files Feature, November 2024
  • 2023 NAAIA Houston Board Member
  • 2023 and 2024 NAAIA National Conference Speaker
  • 2023 Co-Cover Agent and Chapter Author, Be the Last Agent Standing Magazine, Volume 7
  • 2023 Top 5 Insurance Agency in Houston, Houston Chronicle
  • 2023 Top 30 Growth and Profit Loss Agency Partner, Premier Group Insurance, out of more than six hundred partners
  • Liberty Mutual Lamp Lighter Award in 38 days, fastest in company history
  • Liberty Mutual Countrywide Rookie of the Year
  • Liberty Mutual Liberty Leader Distinction, four years running
  • Member, Premier Group Insurance Tech Council

The Pathway Program

Houston Insurance Day, February 2026, with Alief ISD

Houston Insurance Day 2025 with Alief Independent School District students hosted by IIAH and McDade Insurance

Houston Insurance Day brought students from Alief Independent School District into the same room as the Houston insurance industry in February 2026. The IIAH hosted the day. McDade Insurance helped lead it.

The point was to do for them what almost nobody did for me. Show them the door before they had to find it on their own. Connect a high school junior to a CISR coursework path. Connect a college student to a carrier hiring track. Build a structured pipeline from the classroom to the agency floor.

The arena that built me is the arena I am building for them.

ITC Vegas 2026 Growing Greatness, Passing It On. A New Way to Think About Hiring. The keynote where the Pathway Program meets the national stage.
Charles McDade, LUTCF, founder of McDade Insurance Brokerage Group

Charles McDade, LUTCF

Founder, McDade Insurance Brokerage Group, LLC

Houston, Texas

I cherish every opportunity where value springs forth from trust and effort.

That sentence is the equation behind everything. Trust extended by the people who choose us. Effort extended by the people on my team. Value delivered when both meet a coverage written to honor the promise.

Fifteen years in the industry. Six years as a Liberty Mutual captive agent. Two years on both sides of the coin in adjacent industries. Six years and counting at the helm of McDade Insurance. Two board seats. Three independent publications. Six podcasts. One ITC Vegas keynote on the calendar.

Husband to Dr. Allison McDade, double board-certified child and adolescent psychiatrist. Father to a son and a daughter who keep me honest. Grandson of Douglas Finley, the man who taught me that protection is a discipline.

The McDade family — Charles, Dr. Allison McDade, son and daughter — at Christmas

There are two circles of trust I work to be worthy of.

The first is the family in this photograph. My wife. My son. My daughter. The three people who carry the McDade name into the world the way my grandfather carried the Finley name before us. They are everything I work for. They are the reason I refuse to be the person who breaks a promise.

The second is the families who have trusted us to protect theirs. The roof over their heads. The vehicles their teenagers drive. The businesses they have built from a kitchen table. The future they are insuring against the worst day they hope never comes. Every one of those families is carrying a name into a policy with us. Every one of those names deserves the same care I give to my own.

What makes a name worthy of the people who carry it?

Effort that does not stop. Trust that is not betrayed. Promises that survive the worst day, not just the best ones.

McDade is my last name. I will make it worthy of my wife and children who carry it. And worthy of every family who has trusted us to carry theirs.