Financial Planning in Houston, TX

Financial Planning

Success is something you plan for.

CFP® ProfessionalYour interests come first

Houston, TXServing clients nationwide

Flat-Fee PlanningNo asset minimum required

Most people don't come to a financial planner because they want a plan. They come because a decision is in front of them, whether to convert to a Roth, how to turn a portfolio into a paycheck, if they are saving enough to reach their goals, or whether the investments they've upchosen really fit their needs, goals, and risk tolerance.

As a CERTIFIED FINANCIAL PLANNER™ (CFP^®) Professional in Houston, I build plans around those decisions. From goal setting to implementation, I make the data clear and understandable so you can act with confidence instead of just guessing. You can engage me for a one-time Financial Plan on a flat-fee basis, or as part of comprehensive Wealth Management relationship, where Financial Planning is always included.

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Why Financial Planning Matters

A plan replaces guesswork with a clear picture

Many people are navigating their biggest financial decisions without a roadmap, and it shows. The data on planning is consistent: those who put a strategy in writing, or work with an advisor, feel measurably more secure and more in control of their financial future.

71% Share of Americans who work with a financial advisor who say they feel financially secure, versus far fewer without one.¹

96% Share of people with a written financial plan who feel confident they’ll reach their financial goals.²

35% Share of non-retired adults who believe their retirement savings are on track, down from 40% in 2021.³

The takeaway is straightforward: only about 36% of Americans have a written financial plan,² yet a plan is one of the strongest predictors of financial confidence. Whether you want a one-time roadmap or an ongoing partnership, the value isn’t in the document itself. It’s in making each decision deliberately with the best information available.

Sources

Northwestern Mutual, 2026 Planning & Progress Study, 2026.
Charles Schwab, Modern Wealth Survey, 2024.
Board of Governors of the Federal Reserve System, Report on the Economic Well-Being of U.S. Households in 2024, May 2025.

What Financial Planning Includes

A Holistic Look At Your Financial Picture

No two plans look exactly alike, because no two situations do. What you need depends on where you are, what’s changing, and what you’re trying to achieve. So rather than a fixed checklist, think of financial planning as a way of looking at your whole financial landscape, and deciding what needs your attention right now.

It often starts by defining what you’re working toward before touching any numbers: the retirement you picture, the house, the next career move, the education you want to fund, the legacy you’d like to leave. Once those are clear, your investments have has something to serve.

From there, the work follows what your situation calls for. What ties it together is the connections between the pieces, a tax decision affects your retirement income, an investment choice affects your taxes. The value of a plan isn’t in solving any single question. It’s in seeing how each decision affects the others, so you’re not optimizing one area of your financial plan while quietly undermining another.

Areas We Can Work On Together

Roth Conversions

Convert deliberately: modeling the potential tax cost, plan impact and timing so a Roth vonversion works for your plan, not against it.

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Retirement Income Planning

Building a strategy for generating tax-efficient retirement income designed to last as long as you do.

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401(k) Rollovers

Review of every option for an old 401(k), including leaving it in place, rolling it into an IRA, or moving it to a new employer plan, without assuming which choice is right from the start.

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Tax Planning

Coordinate accounts, time income, and keep more of what you earn across your whole plan.

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Investment Management

Build a portfolio that matches your goals and your tolerance for risk, and stays aligned over time.

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Planning for High Earners (HENRYs)

If you earn a high income but your net worth hasn't caught up yet, you're what's often called a HENRY (High Earner, Not Rich Yet). A big paycheck doesn't come with instructions, and many advisors overlook this stage because the assets aren't there yet. I don't.

My flat-fee planning is built for exactly this time in your life: maximizing employer benefits and equity comp, getting tax-efficient in light of your high income, balancing debt paydown with investing, and working toward building wealth over time. No asset or account minimum required. Just a flat-fee and a plan you can act on.

Support for DIY Investors

Plenty of capable investors manage their own portfolios well and still want a professional to pressure-test the big calls. You don't have to hand over the keys to get expert guidance.

I offer flat-fee Financial Planning for do-it-yourself investors: a second set of eyes on your asset allocation, tax strategy, retirement projections, and the decisions where the stakes are highest. You keep running your accounts. I help you make sure the overall strategy is sound. It's a second opinion from a CFP® Professional with a fiduciary duty of care, without the ongoing asset-management fee.

Why Work With Me

Choosing who to trust with your financial life is a personal decision, not a transaction. Here's what you can expect from working with me.

I'm a CFP® Professional. As a CFP Pro, I'm obligated to put your interests first. The recommendations you get are the ones I believe are right for you
I plan around your decisions, not a sales pitch. I don't lead with products. Every conversation begins with what matters most to you.
You can work with me your way. Flat-fee planning for a one-time plan or an ongoing partnership, only place assets with me when you feel ready.
I see the whole picture. A tax decision affects your retirement income; an investment affects your taxes. I help you see how the pieces fit together.
I'm here for the long run. I'm the person you call when something changes or a decision feels unclear. As your life evloves, your plan evolves with it.

When you invest in yourself through our work together, you're laying the foundation for a more sustainable future. If that's the kind of relationship you're looking for, let's talk.

Frequently Asked Questions

What does a financial plan actually cover?

A financial plan is a detailed strategy for reaching specific goals: funding retirement, managing a Roth conversion, handling a 401(k) rollover, or turning savings into reliable income. It accounts for your ability to tolerate risk, your capacity to save and invest, and draws a clear roadmap to reaching your goals.

How do your fees work?

I offer planning for a flat-fee that you negotiate directly with me, which makes expert guidance accessible whether or not you have assets to manage. There’s no requirement to open an account or move investments to work together on a plan.

Can you help if I manage my own investments?

Yes. Many of my planning clients are confident DIY investors who want a fiduciary second opinion on the high-stakes decisions, including asset allocation, tax strategy, Roth conversions, and retirement projections, while continuing to manage their own accounts.

When is the right time to do a Roth conversion?

It depends on your current tax bracket versus your expected future bracket, your income this year, whether you have significant Traditional IRA balances, and your long-term tax picture. The lower-income years between leaving work and starting Required Minimum Distributions are often ideal, but the right amount and timing should be modeled before you act.

Should I roll over my old 401(k)?

Not always. Rolling to an IRA can mean more investment choice and professional guidance but leaving it in a plan or rolling to a new employer plan can make sense too, depending on fees, protections, and your Roth IRA Conversion plans. I’ll educate you on your options so you have the information you need to make a confident decision.

Can I work with you if I live outside Houston?

Yes. I work with clients across the United States, and virtual meetings make it easy to stay connected wherever you live.

Baird makes available to its clients various distinct products and services, and there are important differences between those services and the duties and obligations owed to clients in connection with provision of those services. Baird and Baird Financial Advisors do not act as fiduciaries nor is a fiduciary duty owed to a client when providing certain products and services. For more information about the products and services Baird makes available as well as the duties and obligations Baird and a Baird Financial Advisor may have to you in connection with the provision of products and services, please contact our office.