Our Services
Financial Planning
When choosing a financial advisor, sharing a common set of principles and beliefs is critical to a successful long-term relationship. Your financial plan is as individual as you. Incorporating the assessment areas below allows a thorough analysis and a refined focus of your plan so that we can assist you in reaching your personal goals and objectives. Your plan will be regularly updated at our bi-annual reviews to ensure it keeps pace with your life.
We’re based in Friendswood, Texas, serving Galveston, Brazoria and Harris Counties, Greater Houston Metro area and beyond.
Investment Management
We will work with you to form a robust investment plan to guide you (and us) as we build and maintain your portfolio that aligns with your risk tolerance and specific goals.
Our portfolios primarily consist of low cost, diversified, tax efficient mutual funds, ETF’s and individual bonds.
Learn more about our Evidence-Driven Investment philosophy here.
Retirement Planning
Financial independence in retirement is the biggest goal our clients share, and one that requires careful planning. Retirement planning includes projections on the likelihood of achieving a financial goal(s).
Tax Planning Strategies
Disregarding tax planning can be one of the quickest ways to erode the gains from an otherwise solid financial plan. That’s why we are laser-focused on minimizing your lifetime tax liability as part of your overall financial planning picture. Since taxes touch almost every element of wealth management – from investment strategies to planning for your retirement and legacy – effective tax planning is one of the most important ways to increase the chances of meeting your broader life goals.
We’ll help shape your financial picture with smarter, more tax-efficient strategies.
Estate Planning and Charitable Giving
Your financial plan includes an analysis of your exposure to estate taxes and your current estate plan, including whether you have a will, powers of attorney, trusts, and other related documents. We will assess ways to minimize or avoid estate taxes by implementing appropriate estate planning and charitable giving strategies.
Employee Benefits
We will offer to review your employee benefits annually during Open Enrollment to make sure you opt in to everything you need and nothing you don’t. We will also offer advice on your employer-sponsored retirement plan, deferred compensation, stock options and any other benefits that may be available.
Risk Management
A risk management review includes an analysis of exposures to significant risks that could adversely impact your financial picture, such as premature death, disability, property and casualty losses, or the need for long-term care planning. We’ll discuss ways to minimize such risks, determine what you should cover with insurance and which risks you can afford to self-insure.
Cash Flow Analysis and Debt Management
We will review ways to maximize your income. For instance, we might recommend prioritizing how any excess income should be used, or how to reduce expenses if they exceed income. If applicable, we will help you come up with a debt repayment strategy.
We will also make recommendations for your emergency fund and chart a path to achieve your financial goals.
Education Planning
We will project the pot of money needed to provide your loved one with the education you have in mind (in state, out of state, private, public), savings strategies, and the “pros-and-cons” of various college savings vehicles available.
Support Documents:
We collect information regularly throughout the year from you that we use to update your plan. This serves as the basis for regular conversations regarding personal cash flow, financing, large financial transactions, investments, financial health and profitability, personal liquidity and risk management. As your circumstances and goals change, our system of proactive communication helps to ensure we remain well informed of these changes. You are welcome to call, email, or schedule meetings at your discretion for any questions outside of our bi-annual reviews.
Depending on the scope of the engagement, you may be asked to provide copies of the following documents early in the process:
- wills, codicils, and trusts
- insurance policies, including information about riders, loans, and amendments
- mortgage information
- tax returns
- student loans
- divorce decree or separation agreement
- current financial specifics including W-2s, 1099s, K-1 statements, etc.
- information on current retirement plans and other benefits provided by an employer
- statements reflecting current investments in retirement and non-retirement accounts
- employment or other business agreements
It is important that the information and/or financial statements provided to us are accurate and up-to-date.
Frequently Asked Questions
Yes. Angela is a CFP® professional and provides financial planning and investment advice under a fiduciary standard, meaning your best interest comes first at all times.
Yes. Many clients choose to work with us so their spouse already has a trusted financial advisor relationship in place. We focus on long-term relationships and continuity, so your spouse is not left trying to make important decisions with someone new during a difficult time.
Many high-income households feel this way. Strong income does not always translate into clarity or confidence. We help organize accounts, set priorities, and create a plan that aligns your money with your life today and the future you are working toward.
Yes. We often work with clients who have old 401(k)s, IRAs, brokerage accounts, CDs, and accounts held at several institutions. We help coordinate or consolidate these accounts into a clear, cohesive investment strategy that is easier to manage and understand.
Yes. These decisions affect your retirement income and taxes for the rest of your life. We help coordinate Social Security timing, pension elections, IRA withdrawals, and required minimum distributions so your income sources work together efficiently.
Yes. Tax planning is a core part of our ongoing process. This may include Roth conversion analysis, RMD planning, Social Security timing, charitable strategies, and coordinating taxable and tax-deferred accounts. The goal is to reduce lifetime taxes within the current tax code.
We do not manage your yearly tax filings. Tax flings/returns are looking backwards. Tax planning, on the other hand, is forward-looking and is a core focus of our financial planning process.
Yes. We help evaluate rollover options, consolidate old employer plans, and compare Roth versus traditional strategies. Many clients come to us with several retirement accounts that need structure and a long-term investment approach.
Yes. We regularly work with individuals and families who have received or expect to receive an inheritance. This often includes tax planning, account transfers, investment coordination, and helping you slow down before making permanent financial decisions.
We are intentionally focused on what we do best and enjoy most.
- We do not offer one-time or standalone financial plans.
- We do not provide short-term or transactional investment advice.
- We are not a good fit for those who prefer to manage everything on their own and are only seeking occasional confirmation.
We work best with people who want an ongoing relationship, value thoughtful planning, and prefer delegating to a long-term financial advisor who can adapt as life, tax laws, and priorities change.
Most clients come to us during a period of change or growing complexity. Retirement is getting closer, income has increased, an inheritance is on the horizon, there is a job change, or managing everything alone no longer feels comfortable.
Our work begins by understanding the full picture. That includes your investments, retirement accounts, tax situation, insurance, and the decisions you are facing now and in the years ahead. From there, we create a coordinated strategy that aligns your money with what matters most to you.
Financial planning is not a one-time event. Life changes. Tax laws change. Priorities shift. That is why our relationships are ongoing. We adjust strategies as needed, help you think through decisions before they are made, and remain a steady point of contact through different seasons of life.
Clients often tell us they value having one trusted advisor who understands their full financial picture, communicates clearly, and is available when questions arise. Our role is to help you make informed decisions with confidence, knowing you are not managing everything alone.
Clients work with us on an ongoing basis, with planning and advice included as part of our investment management relationship.
If this approach sounds like the kind of relationship you’re looking for, we invite you to schedule a complimentary introductory conversation.
