Wealth Management

We know that not all people envision the same retirement and design personalized plans for each client. We assess your current financial standings and spending habits and measure them against your goals to offer the most informed guidance. Additionally, our retirement planning specialists work collaboratively to give each client multiple perspectives and levels of experience when crafting their plan.

Since income taxes can get in the way of financial stability during retirement, we provide clients with techniques for lowering their tax liability legally. While some financial advisors may only be able to reduce income taxes during your working years, we can offer strategies for minimizing payments during retirement. We will evaluate your profile to determine the best income tax planning approach in your circumstances, whether for personal or CFO wealth management.

After reviewing your income, we consider several factors to deliver the best investment planning advice for your situation. For instance, we will look at whether your goal is short-term or long-term, your distinct investment style, and your level of risk tolerance. Understanding these aspects enables us to offer the best asset allocation strategy for your needs.

Estate planning is critical to ensuring your loved ones benefit from your wealth following your incapacity or death. Some of our specific estate planning assistance includes the development of wills, trusts, health care proxies, and durable powers of attorney. We also help clients update their estate plans if their current strategy is at risk due to changes in estate law.

No retirement plan is complete without healthcare provisions. To help you make the best decisions with healthcare planning, we will go over when you should stop working, claim social security, and what type of retirement insurance you need. We may also discuss Medicare and Health Savings Accounts (HSAs).

If you inherit an IRA and are unsure how to manage it, our team will offer guidance centered on your needs. We will explain how the account may impact various financial aspects, from your life insurance plan to your investment portfolio. Conversely, we can also help people set up an inherited IRA for loved ones. This process includes determining beneficiaries to ensure your assets are left to those you trust.

Long-term financial planning extends beyond your retirement and focuses on establishing a foundation for subsequent generations to build wealth. Our CPFs have experience with multigenerational planning and can assist you in creating an actionable plan for managing your wealth that comes with little to no taxation problems. Additionally, we discuss other considerations of heritage wealth planning with clients, such as charitable giving and annual gifts and trusts.

Ready to start your financial planning? Schedule a complimentary consultation with one of our financial planners at no cost to you. Discover the right financial tools to invest in your future. Proudly serving the Houston-Sugar Land metropolitan region!