A Roth conversion has to be done by December 31 and can't be undone. Our Houston advisors explain how to tell if a lower income year makes it your year.

November 1 is when tax planning really heats up. Here’s a few things to consider before getting started.

Retiring early? Here’s what you need to know about your medical coverage between your last day of work and your 65th birthday.

The open enrollment edition. What to decide before the window closes, the account most people underuse, and a note on retiring before 65.

Ask most people what their HSA is for and they’ll say copays. They fund it with a few hundred dollars, spend it on prescriptions and urgent care visits, and start over the next January. That’s a fine way to use the account. It’s also the least valuable way.

A plan without a vision is a series of disconnected decisions.

Each decision can be individually sound. The portfolio can be well built, the taxes well managed, the documents in order. And the whole can still feel hollow, because nothing ties the decisions to each other or to the family they are supposed to serve. We meet households like this regularly. Nothing is wrong, exactly. Nothing is pointed anywhere, either.

Today is the third quarter estimated tax deadline. If your payment is in, this post is not really about that.

It is about what the deadline means. September 15 is the calendar tapping you on the shoulder: the year has three and a half months left, and most of the moves that matter at year end need runway.

In most cities, concentrated stock is something that happens to founders. In Houston, it happens to employees.

Labor Day is an apt time to honor unseen work. Financial planners can relate.

Back to school season tends to put tuition front of mind, which makes it a natural moment to check the account itself. But the more useful conversation is usually the one that doesn't show up on a statement.