Financial planning services for the way families actually retire.
Fifteen ways I help — explained in plain English. Each page covers who it's for, what's included, how the work flows, and what to expect. Browse the topic that fits your situation.
Our Key Services
Most clients work with us on three to five of these at once — they tend to overlap. Start with the one most pressing on your mind; the related ones come up naturally.
Tax Planning for Retirement
Withdrawal sequencing, Roth conversions, and IRMAA-aware planning for retirement.
02 · Retirement IncomeRetirement Income Planning
Sequence withdrawals across account types to last and stay tax-aware.
03 · 401(k) Rollovers401(k) Rollovers
Compare leaving it, rolling to an IRA, or moving to a new plan — clearly.
04 · IRA RolloversIRA Rollovers
Move IRAs and inherited IRAs deliberately — taxes, RMDs, and beneficiaries.
05 · Pension DecisionsPension Lump Sum Decisions
Run the actual numbers on your pension before you sign — once is forever.
06 · Financial PlanningComprehensive Financial Planning
Investments, taxes, insurance, retirement, and estate — coordinated.
07 · Investment ManagementInvestment Management
Long-term, tax-aware portfolio management with clear cost transparency.
08 · Asset AllocationAsset Allocation
Recalibrate stocks, bonds, cash, and concentration to your real risk capacity.
09 · Social Security & MedicareSocial Security & Medicare
Claiming strategies and Medicare coordination — including IRMAA awareness.
10 · AnnuitiesAnnuities — Fixed & Variable
Independent comparison of fixed, fixed-indexed, and variable annuities — clearly.
11 · Long-Term CareLong-Term Care Insurance
Compare standalone, hybrid, and self-fund — honestly, before health changes.
12 · Life InsuranceLife Insurance Planning
Term, whole, and universal — assessed against actual family need.
13 · Qualified PlansQualified Retirement Plans
401(k), SEP, SIMPLE, and DB design for Houston business owners.
14 · Business PlanningBusiness Planning
Succession, buy-sell, key-person, and exit — coordinated with your CPA and attorney.
15 · Education FundingEducation Funding (529)
529s, custodial accounts, and grandparent strategies — coordinated with retirement.
Most situations cluster into one of three.
Every client situation is unique — but the questions I get tend to fall into a few familiar shapes. Pick the one that sounds most like you to see the services that come up most often.
Five to ten years out, or already there.
Income strategy, pension and Social Security claiming, healthcare bridge, sequence-of-returns risk.
You've built something real.
Plan design, tax efficiency, business succession, and key-person planning — held to the same standard as your operating decisions.
Two careers, kids, aging parents.
One coordinated plan that holds it all — and someone to update it as your situation shifts.
Not sure which service fits?
A short conversation usually answers that quicker than a website ever will. Anywhere from 5 to 45 minutes — your call. No obligation.