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4400 Post Oak Parkway, Houston, TX 77027

713-296-8005
SCuddy@rwbaird.com
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Houston CERTIFIED FINANCIAL PLANNER™ Professional

Financial planning for Houston individuals and families, guided by Sarah Cuddy, CFP®, CDFA®. Build a clear plan for saving, retiring, and everything in between.

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Sarah Cuddy, CFP, CDFA, Houston financial planner
CFP® Professional Your interests come first
Houston, TX Serving clients nationwide
Coordinated Strategy Investments, planning, and taxes

Financial Planning For Life In Houston

I am a CERTIFIED FINANCIAL PLANNER™ Professional based in Houston, providing financial planning services to individuals and families across the greater metropolitan area. Together we work on the things that shape your everyday and your future: saving and investing for retirement, debt management, education funding, buying a home, funding a secure retirement, and leaving a legacy.

My goal is simple. I want you to be able to make confident decisions about money. A thoughtful Financial Plan is one of the most useful tools for building that confidence, because it turns a long list of worries into a short list of clear actions. My practice is built on a foundation of careful, long-term client relationships, and it is backed by the resources of Baird.

Why Working With A Houston CFP® Professional Matters

Financial Planning helps you prioritize how you use your scarce resources so you can enjoy life today while still preparing for the future. It starts with setting specific goals. From there we assess your resources, test whether the plan is achievable, and turn it into a set of concrete actions you can take over the next 12 months to work toward your goals.

The need is real. According to the Federal Reserve's 2023 Survey of Consumer Finances, the median retirement account balance for U.S. families was roughly 87,000 dollars, a figure that falls short of what many households will need to fund a long retirement. A plan built for your situation helps close the gap between where you are and where you want to be.

Houston financial planning consultation

Clarity Over Guesswork

A written plan replaces scattered worries with a clear order of operations, so you know what to do first, next, and later.

Decisions That Fit You

Recommendations are shaped by your goals, your timeline, and your comfort with risk, not a one-size template.

Confidence Under Pressure

When markets move or life changes, a plan gives you a steady framework for the choices that matter most.

Houston Financial Planning Services

Every engagement starts with a written plan and grows from there. Below are the areas we can coordinate for you, chosen to fit your priorities rather than a fixed package.

Financial Planning

One clear roadmap that ties together your goals, cash flow, and the big decisions ahead, with next steps you can act on over the coming year.

Tax Planning

Thoughtful coordination of accounts and the timing of income, so taxes are considered as part of the whole picture rather than as an afterthought.

Estate Planning

Guidance to help your wealth pass the way you intend, working alongside your legal and tax professionals to keep the pieces aligned.

Education Funding

A plan for tuition and future education costs, so you can support the people who matter to you with clarity instead of guesswork.

Why Houston Families Work With Sarah Cuddy

Choosing a CFP® Professional comes down to whom you trust with your family's future. The value here comes from experience, clear communication, and a standard of care centered on you.

You do not need a high net worth to work with me. I have devoted part of my practice to serving younger clients who are still building, which makes me a strong fit for professionals who want real guidance early. Advisory Recommendations are made in your best interest and shaped by your plan.

  • Credentialed Expertise

    A CERTIFIED FINANCIAL PLANNER™ Professional and Certified Divorce Financial Analyst® with more than a decade serving clients.

  • Backed By Baird

    A Financial Advisor at Robert W. Baird & Co. Incorporated, Member NYSE and SIPC, pairing personal relationships with the resources of an established firm.

  • Rooted In Houston

    A proud native Houstonian working from Baird's Gallera office and serving individuals and families across the metro area.

  • Advice, Coordinated

    Planning, asset allocation, and a framework for day-to-day decisions are managed together so the pieces of your plan pull in the same direction.

Sarah Cuddy, CFP, CDFA

Sarah Cuddy, CFP®, CDFA®

Financial Advisor, a practice of Baird

Sarah earned her MBA from the McCombs School of Business at The University of Texas and joined Baird in 2015. She holds the CERTIFIED FINANCIAL PLANNER™ and Certified Divorce Financial Analyst® designations and completed interdisciplinary training with Collaborative Divorce Texas. A proud native Houstonian, she believes in client education and keeps a library of free resources for investors who want to build their knowledge.

Areas I Serve

I work with individuals and families across Houston and the surrounding metropolitan area from my Post Oak Parkway office, including these neighborhoods and nearby communities.

  • Houston
  • The Galleria
  • Uptown
  • Bellaire
  • West University
  • River Oaks
  • Memorial
  • Sugar Land
  • Pearland
  • The Woodlands
  • Katy
  • Cypress

Start A Conversation About Your Houston Financial Plan

With more than a decade of experience as a Financial Advisor, I have the education and expertise to help you make a plan and pursue your goals in Houston. From budgeting basics to outcome forcasting, we can map the next steps together.

Submitting a request does not create a client-advisor relationship.

Request A Free Financial
Planning Consultation Prefer to talk now? Call (713) 296-8005

Frequently Asked Questions

Who Is Sarah Cuddy?

Sarah Cuddy is a Houston-based Financial Advisor and a CERTIFIED FINANCIAL PLANNER Professional who also holds the Certified Divorce Financial Analyst designation. She earned an MBA from the McCombs School of Business at The University of Texas and joined Baird in 2015. A proud native Houstonian, she works with individuals and families from the Post Oak Parkway office and has more than a decade of experience helping clients plan.

What Services Does Sarah Cuddy Offer In Houston?

Sarah offers financial planning, investment management, tax planning coordination, estate planning guidance, education funding, and behavioral coaching. Every engagement starts with a written plan that sets your goals, reviews your resources, and lays out clear next steps. She also has a dedicated focus on divorce financial planning for clients working through a separation.

How Does Sarah Cuddy Help With Divorce Financial Planning?

As a Certified Divorce Financial Analyst, Sarah helps clients understand the long-term financial impact of the choices they face during a divorce. Divorce forces permanent decisions with limited information, so she works through asset division, cash flow, and settlement scenarios so you can move forward on solid footing. She completed interdisciplinary training with Collaborative Divorce Texas and is qualified to help facilitate a collaborative divorce.

Do I Need A High Income To Work With Sarah Cuddy?

No. Sarah devotes a meaningful part of her practice to younger clients who are still building their wealth, so you do not need significant assets to get started. She can guide you on budgeting, debt management, goal setting, savings planning, asset allocation, and life insurance planning. Investing early in a written plan can help you build wealth faster while still enjoying the money you have earned.

What Is A CFP® Professional, And Why Does It Matter?

A CERTIFIED FINANCIAL PLANNER Professional has met the education, examination, and experience requirements set by the Certified Financial Planner Board of Standards, Inc. and completes ongoing education to keep the certification. It matters because it signals a broad standard of planning expertise across retirement, taxes, insurance, and estate topics. Working with Sarah, a CFP Professional, means your plan is built by someone held to that standard and to a code of ethics.

Where Is Sarah Cuddy Located And How Do I Get Started?

Sarah works from the Baird office at 4400 Post Oak Parkway, Ste. 2790, Houston, TX 77027, and serves clients across the greater Houston area. To get started, you can call the office at (713) 296-8005 or request a consultation through the contact page. The first step is a conversation about your goals and what you want your plan to address.