Confidence in your
financial future starts with a
comprehensive financial plan.
I'm Alan Birsinger — an independent financial advisor based in Houston, serving clients across Texas and beyond. For 25+ years I've helped young adults, retirees, pre-retirees, business owners, and families build and protect their wealth.
Consultation
Based in Houston. Comfortable with how Texas families actually retire.
I earned my B.S. and M.S. in Finance at the University of Houston-Clear Lake and have practiced in Houston for over twenty-five years. That matters because the planning conversations here have a distinct shape — long careers at energy majors, deferred compensation and employer stock decisions, Texas Medical Center physicians and clinicians, NASA Johnson Space Center federal employees, and the everyday math of Texas's no-state-income-tax status. I bring all of that context to every conversation, while remaining licensed and available to clients across Texas and beyond.
Working with Texas residents across the state. In-person meetings most common in The Woodlands · Sugar Land · Katy · Memorial · Energy Corridor · Cypress · Pearland · Kingwood · Clear Lake, and by Microsoft Teams everywhere from Austin to Dallas to San Antonio to El Paso.
An advisor who treats your life savings as
a personal responsibility.
My journey to becoming a financial advisor began a little over ten years ago when my father started to have health issues and I began helping him with his finances. At that time, I was working as a finance manager for a mutual fund company for fifteen years. In addition to being in the financial services industry, I hold both a Bachelor's and Master's degree in finance, so I thought helping him wouldn't be a difficult task. I was wrong.
To help my father, I had to research the unique rules concerning Medicare options, 401(k) distributions, pensions, Social Security, and how taxes affect each of them. To my surprise, this research took quite a bit of time. Working through these items, I came to the following conclusion: if I had to spend a lot of time on my father's finances, how would someone without a financial background get through all of this information?
As a result of working with my father, I determined I wanted to help others be prepared for, and enjoy, their retirement.
I have now been in the financial services industry for over 25 years, and I currently hold Series 6, 63, 66, and Texas Department of Insurance Life/Health licenses.
Let me put my experience to work for you.
Read Alan's full bioClients
I work with most often.
Young
Adults
You are starting your first job.
- Creating Goals
- Benefits you should choose/buy
- Understanding Investment Products
- How to start Investing
Families
Two careers, kids in school, aging parents. Clarity comes from a single plan that holds it all — and someone to update it as life shifts.
- Comprehensive financial plans
- Education funding (529)
- Life & long-term care insurance
- Estate planning coordination
Business
Owners
You've built something. Now retirement plan design, tax efficiency, succession, and key-person protection deserve the same care.
- Qualified retirement plans
- Business succession
- Buy-sell & key-person
- Personal investment management
Pre-Retirees
& Retirees
You're 5–10 years out, or already there. The questions get specific: when to take Social Security, how to draw income, what to do with the pension.
- Retirement income planning
- Pension lump sum decisions
- 401(k) & IRA rollovers
- Social Security & Medicare
The work, plainly described.
Fifteen ways I help, in everyday language.
Comprehensive Financial Planning
One plan that ties retirement, taxes, insurance, and estate together.
→Business Planning
Plan design, succession, and continuity for owners of Texas businesses.
→401(k) Rollovers
Decisions when you change jobs or retire from a Texas employer.
→IRA Rollovers
Consolidating retirement accounts with care and clear paperwork.
→Pension Lump Sum vs. Annuity
One of the most consequential decisions of a working life.
→Roth Conversions
Making investments now in order to reduce taxes later.
→Investment Management
Allocations and rebalancing held to a written plan, not the news cycle.
→Social Security & Medicare
Claiming strategy, IRMAA brackets, and the timing decisions that matter.
→Annuities — Fixed & Variable
Where they fit, where they don't, and what to ask before you buy.
→Long-Term Care Insurance
Honest review of policies, alternatives, and the cost of waiting.
→Life Insurance Planning
Right-sizing coverage for income, debts, and estate goals.
→Education Funding & 529s
Plan structure, tax considerations, and choosing among options.
→A four-step process,
built for the long term.
Discover
A no-obligation fact-finding conversation. We talk about what you have, what you owe, what concerns you, and what you'd like the next chapter to look like.
Design
I review the documents, model scenarios, and develop a written set of recommendations sized to your goals, risk capacity, and timeline.
Implement
Paperwork handled. Accounts opened or transferred. Beneficiaries reviewed. Insurance and other moving parts coordinated with your CPA and attorney as needed.
Monitor
Regular reviews and life-event check-ins. Markets move; lives shift; the plan gets updated. The goal is a plan that stays current — not one that ages on a shelf.
How we are compensated
Flat Fee — A negotiated fixed monthly charge, typically used by high-net-worth clients.
AUM Fees — One of the largest advisory firms in the United States advertises that they do better when the client does better. That statement is true for most financial advisory firms today — including Wealth Management Group. AUM fees are charged against a client's investments within the advisor's firm, also called Assets Under Management (AUM). The fee is calculated as a percentage of their AUM. For example, if you have $1,000 invested and your AUM fee is 0.8%, your charge would be $8 annually.
Commissions — These charges are for insurance products. When we sell an insurance product, the insurance company pays us a sales commission.
Plain English articles
on decisions clients face.
Why a year-end financial review is important for your future.
One of the most valuable steps you can take to strengthen your financial future — evaluating your full financial picture before the year turns.
Clearing the confusion — Part 2: common investing & insurance vehicles.
A plain-English cheat-sheet of commonly used investing and insurance vehicles — the follow-up to Part 1's financial-terms guide.
Clearing the confusion: a financial-terms cheat-sheet for Financial Literacy Month.
April is Financial Literacy Month — a cheat-sheet of commonly used financial terms to help you manage money and make informed decisions.
Are 529 plans good tax-advantaged investments to have in your portfolio?
What a 529 plan is and where it fits — a tax-beneficial savings program designed to encourage saving for future education costs.
Health Savings Accounts (HSAs): a powerful opportunity for retirement investing.
HSAs are dynamic accounts that can give the holder a triple-tax advantage — a powerful, often-overlooked retirement tool.
The Individual 401(k): a great option for many self-employed business owners.
Also known as the Solo 401(k) — available to self-employed owners with no employees who want to accelerate retirement savings.
Could a “spousal” IRA help you build wealth and reduce your taxes?
A spousal IRA lets couples build a larger retirement nest egg — even on a single income — while providing potential tax advantages.
Retirement Planning in Texas — the complete guide.
A phase-by-phase walkthrough — from ten years out through the years in retirement. Roth conversions, Social Security, Medicare, RMDs, the Texas-specific layer. ~22 minute read.
Let's talk about
what's on your mind.
The first conversation is complimentary and no-obligation — anywhere from 5 to 45 minutes, depending on what you need. We'll cover what you have, what concerns you, and whether working together makes sense. No pitch, no pressure.