How your money is divided matters more than how it's picked.
Decades of research suggest that the mix between stocks, bonds, and cash drives most long-term portfolio outcomes — far more than which fund or stock is chosen. I help you set that mix deliberately, based on both your tolerance for risk and your capacity to absorb it.
At a glance
- Best for
- Anyone whose allocation hasn't been formally reviewed in 3+ years
- Format
- In-person Houston · Virtual where licensed
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, attorney, plan administrator
Situations I see most often.
- Your allocation drifted during a long bull market and you don't know where it stands.
- You hold a large position in employer stock and want to evaluate concentration.
- Your risk tolerance no longer matches your actual ability to take risk.
- You're nearing retirement and the accumulation portfolio doesn't fit anymore.
- You have multiple accounts and don't know your true overall allocation.
What the engagement covers.
- Aggregate allocation analysis across all accounts (taxable, retirement, employer plans).
- Risk tolerance vs. risk capacity recalibration.
- Asset-location review (which assets in which account types).
- Concentration analysis on employer stock or single positions.
- Rebalancing rules and cadence.
- Tax-efficient implementation of changes.
A measured approach, in clear steps.
Aggregate view
I roll up every account into a single picture — most clients are surprised by what they actually own at the household level.
Tolerance & capacity
We talk through how you actually responded in 2008 and 2020, not how you think you would.
Target design
I propose a target allocation with explicit ranges, written rationale, and rebalancing thresholds.
Implementation
Changes are sequenced to minimize tax cost — long-term-gain awareness, lot selection, retirement-account use.
Why this matters in Houston.
Many Houston households are inadvertently overweight a single sector — energy. If you've worked at one of the major operators or services companies, employer stock, ESPP grants, and pension exposure can stack up in ways that read very differently from a textbook 60/40 portfolio. Recognizing it is the first step.
Plain-English answers.
What's the difference between risk tolerance and risk capacity?
Should I rebalance automatically?
Is 60/40 dead?
Recent articles on this topic.
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Let's talk about your situation,
not a generic plan.
The first conversation is complimentary — anywhere from 5 to 45 minutes, your call. No pitch, no pressure. We'll cover what you have, what concerns you, and whether working together makes sense.