Office: (281) 872-1515

250 Ed English Lane

Building 1, Suite A

Shenandoah, TX 77385

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Financial Planning

Financial planning done right is an ongoing process, not a one-time project. It begins with a thorough understanding of your goals, a financial health assessment and creation of a personalized investment strategy. It is essential to providing families and individuals the ability to preserve, grow and manage their wealth over time. We advocate a disciplined approach to managing your assets and will tailor a strategy specific to you.

From our initial meeting together we proactively seek to get to know you and your family personally, your life experiences, goals & concerns, and to understand your current financial picture and investment timeframe. We help you through our Guided Planning Process (GPS), provide a detailed analysis of your financial situation, and then determine how to establish suitable long-term financial strategies. After attentive consideration, we agree upon the best strategy to implement and put your personalized plan into action, We maintain consistent communication with you from beginning to end. 

Retirement Planning

One of the most common priorities for today's retirees is the creation of a reliable income stream that will last throughout their retirement. With average life expectancy now well into the 80's it is likely that you could experience a retirement period that lasts 20-30 years. We will help you evaluate various strategies and options with the goal of seeing that your money lasts and that you can continue to live the lifestyle you've grown accustomed to. Our comprehensive planning approach is designed to help you anticipate and successfully deal with changes in employment income, the economy, tax laws and your financial goals.

As you near retirement, the traditional strategy has been to simply move growth-seeking products to more conservative fixed-income products. Traditional reallocation and withdrawal strategies may be seriously flawed in light of greater longevity and today's very low interest rate environment. It is important to make sure your investments have enough security and earning potential to meet your long term, inflation protected income needs. Our retirement planning process can set your course to a dependable, secure paycheck for you in retirement.

Wealth Accumulation

Time doesn't stand still, and neither does money, so your portfolio allocation must carefully consider the proximity and extent of needed retirement distributions. Mid-career clients have extra decades of time for asset accumulation without needing to make investment withdrawals, and we help them balance the need for preservation with the need for growth. Our structured approach to investing starts with ensuring your income and liquidity needs are met. From there, we can then shift our focus to further increasing wealth through investment strategies tailored specifically to your goals. Given the state of life most of our clients are in and the erratic nature of today's markets, we believe that loss prevention is at least as important as return maximization. We will help you manage your money while minimizing risk, and continuing to accumulate the funds you need to meet your financial goals. The longer you wait to implement a sound financial plan, the more difficult the adjustment or the more time you'll need to meet your goals.

Estate Planning

Though we don't like to think about it, all of us will make an exit sometime. Estate planning, in its simplest form is making a plan in advance to protect those left behind. We believe that estate planning should be a regularly reviewed process, not just a one-time set of documents. A properly planned estate can help ensure your assets pass on to your beneficiaries as you intended, avoid or simplify probate, provide for the continued financial needs of your family, and keep the IRS from getting too much of the inheritance left behind.

We help you consider the diverse array of asset ownership structures and tools that can help you control the distribution of your wealth upon your death. We discuss state specific wills, trusts or other vehicles available to preserve and manage your estate during your life, and we also analyze future scenarios to identify potential tax liabilities. Planning how to properly protect, preserve, and pass along your estate to your heirs is one of the most vital components of your overall financial well-being and must be coordinated with an estate attorney practicing in your state of residence.

Tax Strategies

Concerned about taxes? Have you ever asked yourself: "Will current or future taxes derail my financial strategy?" Nearly all financial decisions have both current and future tax ramifications. Understanding tax strategies can potentially help you better manage your overall tax situation, protect your nest egg and ensure you enjoy the financial independence you deserve. Since tax rates are progressive, we help clients minimize taxation by better selection of investment tools and annual distribution strategies. With dozens of changes in tax law changes yearly, you need to know which ones affect you and your financial security. It is important now, more than ever before, to incorporate tax planning into your portfolio and all of your financial decisions.

Our team of experienced professionals can help coordinate the various aspects of your financial plan to maximize tax-efficient strategies in line with pursuing your overall financial goals. Every financial strategy we put in place takes into consideration tax consequences to you and your family.

Asset Protection

Twenty-first century asset protection must be designed around prevailing state and federal law, your personal goals & risks and availability of inexpensive insurance tools as well as strategic asset allocation. Careful selection and balancing the need for growth and for guaranteed income streams, can substantially reduce risk and enhance longevity protection. Use of tools that can protect your portfolio from negative returns early in retirement is generally considered a more effective means of protecting assets and may be appropriate for your situation.

  • Insurance

    Protecting yourself, your loved ones, your home or your business against unexpected risks can be tricky without a comprehensive plan and process that methodically evaluates all potential risk factors. Risk avoidance or mitigation strategies can often reduce or eliminate the need for some types of insurance. Our financial planning process includes an evaluation of your current protection and makes recommendations and referrals to trusted professionals to ensure your loved ones are protected from the financial consequences of any untimely or catastrophic event.

    Long Term Health Care

    One of the biggest concerns for many retirees may not be outliving their routine income, but outliving their good health.

    Medical advances in diagnostics and treatments have greatly increased the opportunity for greater longevity, but this also increases the probability of needing perhaps even recurring long term healthcare (LTHC) assistance. (Pre-retiree) major medical, disability insurance and Medicare are designed to provide acute care protection, and provide very little to no LTHC protection. Medicaid provides some LTHC protection, but only for people who are impoverished. The new Texas LTHC partnership program and creative new tools are available to help our clients find better solutions to reduce the major risk.