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If you are an engineer or executive at a Houston energy company with five or ten years of tenure, there is a real chance that more than half of your family's net worth sits in one company's stock.
That can be tax-efficient, emotionally meaningful, and financially significant. It can also be the single biggest risk to the life your family is trying to build.
In every conversation we have about estate planning, two things come up. First, the structural piece: wills, trusts, powers of attorney, beneficiary designations. Second, the relational piece: what you want your family to know, believe, and carry forward.
Most families have given more thought to the structural piece. The relational piece is where the more important work usually lives.
Most families have one financial conversation a year. It usually happens in March or April, around tax time. It is short, transactional, and centered on numbers.
There is a different conversation worth having in May. It is not about numbers first. It is about what the numbers are for.
Most deferred compensation elections happen in October or November. By the time the paperwork hits your inbox, you have about three weeks to make a decision that will lock in for years.
That is the wrong window for serious thinking. May is the right window. Here is why.
Tax season is over. You've filed (or extended), and now you're ready to forget about finances until next year. We get it.
But April is actually one of the best times to make moves that save you money, reduce stress, and set your family up for a stronger second half of the year. Here are five things we recommend to every family we work with across the Houston metro area.
If you're an energy professional at Chevron, ExxonMobil, ConocoPhillips, or one of the independents along Houston’s Energy Corridor, you may have significant compensation in newly vested RSUs. And if you're like most professionals we work with your first instinct maybe to do nothing with them, which is understandable when you’re busy and unfamiliar with your options. Doing nothing may seem like the default, but it’s an active choice. And perhaps, not a good one.
A little organization now pays dividends throughout the year. Your future self will thank you for the time you invest in this spring financial refresh. Download our spring refresh checklist to get started.
The most effective financial planning happens when your advisory team works together, not in silos. When your financial advisor and CPA coordinate throughout the year, not just at tax time, you benefit from strategies that neither could implement alone
Tax season doesn't have to feel like a scramble. With a bit of organization now, you can transform what many families dread into a smooth process that might even reveal opportunities you hadn't considered.
Learn which trust structure is right for your family. Compare revocable vs irrevocable trusts, understand tax benefits, and protect generational wealth.
Outdated beneficiary designations are one of the most common and preventable estate planning mistakes we see. And the consequences can be significant, not just financially, but emotionally for the people you love most.
The first weeks of a new year set the tone for everything that follows. We've put together a checklist to help you start 2026 financially strong.
As 2025 draws to a close, it is an opportune moment for clients of financial planning firms to pause and thoughtfully reflect on the year’s events and trends. Understanding the broader economic and social landscape can help you make informed decisions and maintain a balanced approach to your financial future.
As 2026 approaches, setting clear financial goals is critical to building lasting wealth and security. Here are straightforward, effective steps to help you set and achieve your financial objectives.
As another year begins, many people feel the pressure to make New Year’s resolutions aimed at enhancing their personal and financial lives. Yet, the truth is that the vast majority of resolutions don’t last. According to various studies, nearly 80% of New Year’s resolutions fail by February. The main reasons? Overambitious goals, lack of clear planning, and reliance on willpower alone.
As the year draws to a close, it’s crucial for families to review and organize their financial and tax affairs. Taking timely action can optimize your tax outcomes, enhance your financial health, and position you for success in the year ahead. Below is a practical timeline of important tasks and strategies to consider before December 31.
Leaving a legacy of giving is more than a financial decision—it's a testament to your life’s mission. With thoughtful planning, your wealth becomes a force for good that endures for generations.
When it comes to financial planning, open and honest communication with your loved ones is as important as the numbers themselves. Engaging in key conversations ensures everyone is aligned, reduces misunderstandings, and strengthens your family’s financial future.
Retirement is often envisioned as a time to relax, pursue passions, and enjoy life without financial stress. For those who have planned thoughtfully and worked closely with their financial advisors, this vision becomes a rewarding reality. Let’s explore a typical day in the life of a retiree who has secured their financial future through disciplined planning and smart wealth management.
Designing retirement is about more than money—it’s about freedom, purpose, and peace of mind. Let’s work together to build a strategy that turns your dream retirement into your reality.
Open enrollment season is your yearly opportunity to review and adjust your employee benefits. While health insurance often takes center stage, supplemental coverages like vision, dental, and disability insurance can play a vital role in protecting your financial well-being. Here’s how to evaluate and choose the right supplemental benefits for you and your family.
Health insurance in retirement is not a given—it requires strategic planning and informed choices. Align your health coverage with your overall financial plan to safeguard your well-being and your wealth in your golden years.
If you qualify for an HSA, it’s more than just a savings account—it's a strategic financial tool for health, wealth, and peace of mind. Ignoring it means leaving tax savings and long-term benefits on the table.
Leveraging your company’s retirement plan effectively means you’re not just saving—you’re building a powerful foundation for your financial future. Make the most of the tools available, and take charge of your retirement today.
By being proactive and strategic this open enrollment season, you’ll secure the benefits that best support both your professional and personal life. The effort you invest now ensures peace of mind—and potentially significant savings—throughout the year.
Luck is not a plan, and hope is not a strategy. Those who are retiring unaware of these factors may risk outliving their money. Creating a strategy may help you better prepare for retirement.