Financial Planning
One coordinated plan, not five disconnected ones.
Most people accumulate financial pieces over decades — accounts, policies, plans, decisions — and end up with a patchwork that no one ever sat down and designed. I help you step back, see the whole picture, and decide what to keep, change, or simplify.
At a glance
- Best for
- Households with $100k+ in financial assets
- Format
- Virtual anywhere in the US. In-person in the Houston area upon request.
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, Attorney, and Plan Administrator
01 · Who this is for
Situations I see most often.
- You have several accounts, policies, and benefits that have never been reviewed together.
- You're approaching a transition: marriage, divorce, inheritance, business sale, retirement.
- You want a written plan you can refer back to, not just a portfolio.
- You want one person coordinating information from your CPA, Attorney, and Plan Administrator.
- You sense things are 'mostly fine' but want to know what's actually working.
02 · What's included
What the engagement covers.
- Net worth and cash-flow inventory.
- Goal-based projection (retirement, education, gifting, legacy).
- Investment review and risk-tolerance recalibration.
- Tax-efficiency review (asset type/location, harvest opportunities, conversions).
- Insurance review (life, disability, long-term care, P&C).
- Annual or semi-annual progress meetings.
03 · How the process works
A measured approach, in clear steps.
Discover
What you have, what you owe, what matters to you, what worries you, what you've already tried. I listen and take notes; you do most of the talking.
Design
A written plan in plain language, with a clear list of recommendations sized to your goals, risk capacity, and timeline.
Implement
We work the list of recommendations together — some items are mine, some are yours, some involve your CPA or Attorney.
Monitor
Plans go stale. We revisit the plan at least annually and after any meaningful life event.
04 · Common questions
Plain-English answers.
How long does the planning process take?
Initial plan delivery is typically 2–3 weeks from Discovery to written plan (Design). Implementation can run in parallel and is paced to your comfort, not a deadline.
Do I have to commit to ongoing service?
No. Some clients work with me on a project basis (a single plan, delivered once); others want an ongoing relationship and review.
Is this just a portfolio review?
No. The portfolio review is just one piece of the puzzle. As a fiduciary, we need to make sure any portfolio recommendations we provide fit together with a client's needs, risk tolerance, and goals.
05 · Related services