FEE-ONLY FINANCIAL ADVISOR IN HOUSTON, TX

Entering retirement without a financial plan is like building a house without blueprints: the ultimate result may not be what you envisioned. By modeling your financial life, we can alter key aspects of the plan to see the impact before you actually make any changes.

The financial planning process begins by understanding who you are and what matters most in your life. We’ll have detailed discussions to uncover the answers to these important questions. We’ll then tailor our recommendations to your unique situation. Whether you’re planning for retirement, college, first home, or anything in-between, we have you covered!

Chances are, if you go looking for the next “hot stock” or try to pinpoint the perfect time to get in or out of the market, you’re not going to build wealth. You’re just going to move backwards. We let decades of financial research and analysis guide our recommendations.

Our evidence-based investment strategy brings logic and simplicity to your life, so you can focus on the things you can control and ignore the things you can’t. We design and manage well diversified, low cost and tax efficient portfolios which take the least risk needed to achieve your financial goals.

Taxes can take a big bite out of your income and investment gains, so proper planning is critical. We’ll incorporate your specific tax circumstances into a custom financial plan and investment portfolio.

We maintain a tax-sensitive approach across all areas of your finances to help you maximize future income and protect your assets. Our tax planning process includes tax return analysis, determining optimal tax shelters and deferral strategies, projections, tax-managed investment portfolios, and more.

Prudent risk management is at the heart of our financial planning process. Whether we’re helping you protect against unexpected events with insurance guidance or implementing protective investment portfolio strategies, we’ll develop a durable plan to help you weather any storm. We’ll also coordinate with your insurance agent to ensure appropriate protection across all areas of your finances.

Proper estate planning will help shape your financial priorities. Your wealth can have a great impact on future family generations or charitable causes. We work to understand and define those goals. Using that understanding and knowledge of the available tools and difficulties that inter-generational wealth transfers can present, we help you formulate and execute a plan to achieve those goals. Estate planning involves coordinating and developing wills and trusts, estate tax strategies, titling and beneficiary designations, charitable giving, and more.