One coordinated plan, not five disconnected ones.
Most people accumulate financial pieces over decades — accounts, policies, plans, decisions — and end up with a quilt 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 $500k+ in financial assets
- 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.
- 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 quarterbacking your CPA, attorney, and insurance review.
- You sense things are 'mostly fine' but want to know what's actually working.
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 location, harvest opportunities, conversions).
- Insurance review (life, disability, long-term care, P&C).
- Estate document review with your attorney.
- Annual or semi-annual progress meetings.
A measured approach, in clear steps.
Discovery
What matters to you, what worries you, what you've already tried. I take notes; you do most of the talking.
Data gathering
Statements, beneficiaries, policies, tax returns, estate documents. I prefer secure document portals over email.
Plan delivery
A written plan in plain language, with a clear list of recommendations prioritized by impact.
Implementation
We work the list together — some items are mine, some are yours, some involve your CPA or attorney.
Ongoing review
Plans go stale. We revisit at least annually and after any meaningful life event.
What 'comprehensive' actually means here.
Comprehensive isn't about complexity — it's about coverage. The goal is to make sure nothing important falls through the cracks: that your beneficiaries are right, your insurance is appropriate to today (not 1998), your withdrawal sequence is tax-aware, and your estate documents reflect current intent. The plan stays simple even when the underlying picture isn't.
Plain-English answers.
How long does the planning process take?
Do I have to commit to ongoing service?
Is this just a portfolio review?
Recent articles on this topic.
A few plain-English notes that connect to this service. Use them as background before our first conversation, or skip ahead.
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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.