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4400 Post Oak Parkway, Houston, TX 77027

713-296-8005
SCuddy@rwbaird.com
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Investment Management
Services

A repeatable, planning-led process for building a portfolio of investments around your goals, explaining what you own and why, and keeping it aligned as your life and the markets change.

Request an Investment Management Consultation

CFP® Professional Your interests come first
Houston, TX Serving clients nationwide
Flat-Fee Planning No asset minimum required

Your Money Should Work for You

Investing your wealth effectively requires a well-thought-out and repeatable process. My investment management services start with understanding you: what you want your money to do, how you think and feel about it, and what could get in the way. Only then do we build a portfolio designed to align your investments with your goals.

As a CERTIFIED FINANCIAL PLANNER™ Professional and Baird Financial Advisor in Houston, I treat investment management as one half of Houston wealth management. The other half is financial planning, and your plan is what informs every portfolio recommendation I make.

Whether you are saving for retirement, paying for college, or preserving wealth for the next generation, you will always know what you own, why you own it, and how it fits the bigger picture.


The Importance of a Thoughtful Strategy

Why a Disciplined Investment Process Matters

Having investments isn't the same as having an investment strategy. With floods of information and opinions competing for attention, it's worth having a repeatable process for deciding what belongs in your portfolio and when to make changes.

Market Participation 01
56%

Investing Is Common

Of U.S. families held stocks directly or indirectly in 2025, according to the Federal Reserve's latest Survey of Consumer Finances.1

Federal Reserve 2025 Survey
Investor Confidence 02
53%

Decisions Aren't Always Easy

Of U.S. adults said they were either not comfortable or only slightly comfortable choosing and managing their investments in 2025.2

Federal Reserve 2025 Survey
Outside Influence 03
26%

Online Opinions Shape Decisions

Of investors with investments outside retirement accounts said they sometimes or frequently based investment decisions on social media personality recommendations in the 2024 FINRA survey.3

FINRA Foundation 2024 Data
What This Means for Your Portfolio

A Process Built Around Your Goals.

A disciplined investment process can't eliminate all risk. What it can do is give each investment a defined role, account for costs and taxes, and create a consistent approach to adjusting your portfolio as life changes.

Purposeful Allocation Tax-Aware Decisions Ongoing Reviews
Research and Sources
  1. Board of Governors of the Federal Reserve System, 2025 Survey of Consumer Finances , released October 9, 2026.
  2. Board of Governors of the Federal Reserve System, Report on the Economic Well-Being of U.S. Households in 2025, Savings and Investments , May 13, 2026. The investment-comfort question was asked of all adults; its wording and survey population changed in 2023.
  3. FINRA Investor Education Foundation, Investors in the United States , 2024 National Financial Capability Study Investor Survey, published December 2025; see also April 2026 research brief on social-media-informed investors. The survey covered investors with investments outside retirement accounts.


How I Manage Your Investments

The process is simple: it starts with you. Each step builds on the one before it, so every recommendation can be traced back to your goals.

  1. Uncovering and Understanding

    We start with your priorities, what you want to achieve, and the obstacles that could get in the way. We also talk about how you think and feel about money, and we gather details on your existing investments.

  2. Assessing and Building

    Using what we learned, I evaluate the account types that fit you, an appropriate mix of assets (stocks, bonds, cash, or alternatives), and the right way for you to own them (individual stocks or bonds, mutual funds, or ETFs). Then I craft a recommended portfolio made just for you.

  3. Executing and Managing

    We review my recommendations together, and the decision to act is yours. Once implemented, management becomes an ongoing feedback loop: did we get the results we expected, are we satisfied, and do we understand what is driving them? What changes, if any, do we need to make?

What Investment Management Includes

Asset Allocation

Dividing your portfolio among stocks, bonds, cash, and other assets in line with your risk tolerance, time horizon, and goals.

Investment Selection

Choosing how to own each asset class, from individual securities to mutual funds and ETFs, with the costs of each made clear.

Risk Tolerance Review

Working through questions like whether stocks are too risky for you or what role bonds should play, before any money is invested.

Ongoing Monitoring and Adjustments

Periodic reviews that adjust your portfolio for changes in your life, your attitudes, and market conditions.

Tax-Aware Coordination

Connecting portfolio decisions with your broader tax picture so investment choices and tax strategy work together.

Learn more

Retirement Income Strategy

Positioning your investments to support a sustainable income plan when you stop working.

Learn more


Why Work with Me on Your Investments

Choosing who to trust with your investments is a personal decision, not a transaction. My practice centers on one thing: you, and the goals you are working toward.

I focus on financial planning and investment management for young professionals, divorcees, and retirees, and I meet with clients in person in Houston or virtually across the country.

  • Credentials Earned Through Rigorous Study

    I hold a CERTIFIED FINANCIAL PLANNER™ (CFP®) certificate and the Certified Divorce Financial Analyst™ (CDFA®) designation, along with an MBA from the McCombs School of Business.

  • Planning Comes Before Products

    Every portfolio recommendation starts with your financial plan. If an investment does not serve a goal, it does not belong in your portfolio.

  • Education at Every Step

    I approach this work with the heart of a teacher, so you understand what you own, why you own it, and what it costs.

  • A Process You Can See

    Our feedback loop of periodic reviews keeps your portfolio connected to your life as your circumstances, attitudes, and the markets change.

  • Support from an Established Firm

    Securities and services are offered through Robert W. Baird & Co. Incorporated, an employee-owned firm founded in 1919, Member NYSE and SIPC.

Sarah Cuddy, CFP, CDFA, Financial Advisor in Houston

Sarah Cuddy, CFP®, CDFA®

Financial Advisor

A native Houstonian, Sarah earned her MBA from the McCombs School of Business at The University of Texas in 2010 and joined Baird in 2015. She earned the CDFA® designation in 2017 and the CFP® certification in 2018.

Before finance, she was a professional opera singer with a Bachelor of Music Performance from Sam Houston State University. Today she brings that same discipline and preparation to helping clients make confident choices about money.

Areas We Serve

My office sits in the Uptown and Galleria area of Houston, which makes it convenient for clients across the greater Houston region. Virtual meetings are also available, subject to state registration requirements.

  • Houston
  • The Galleria
  • Uptown
  • Bellaire
  • West University
  • River Oaks
  • Memorial
  • Sugar Land
  • Pearland
  • The Woodlands
  • Katy
  • Cypress
Baird Private Wealth Management
4400 Post Oak Parkway, Ste. 2790
Houston, TX 77027
713-296-8005

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Let's Build a Portfolio with a Purpose

Investment management should be grounded in a plan, explained in plain language, and revisited as your life evolves. That is the process I follow with every client, in Houston and beyond.

If you want a partner to help you understand and manage your investments, I would welcome a conversation about your goals.

Request a Consultation

Prefer to talk first? Call 713-296-8005

Frequently Asked Questions

What does investment management include?

Investment management covers building and maintaining your portfolio: choosing the right account types, setting an appropriate mix of stocks, bonds, cash, or alternatives, selecting how to own those assets, and reviewing the portfolio periodically so it stays aligned with your goals.

How is investment management different from wealth management?

Investment management focuses on your portfolio. Wealth management is broader and combines investment management with financial planning, tax planning, and estate planning so that every financial decision works together.

How do you decide what my portfolio should own?

Every recommendation starts with your financial plan. I evaluate your goals, time horizon, account types, and comfort with risk, then recommend a mix of assets and the most suitable way to own them, such as individual stocks or bonds, mutual funds, or ETFs. I will explain what you own, why you own it, and what it costs.

How do you account for my comfort with risk?

Before any money is invested, we work through questions such as whether stocks feel too risky, whether cash feels safer, and what role bonds should play. Understanding how much risk you can tolerate shapes a strategy that balances potential returns against your comfort level. All investing involves risk, including the possible loss of principal.

How often will my portfolio be reviewed?

Your portfolio is reviewed periodically and whenever something meaningful changes in your life. Each review asks whether we got the results we expected, whether we are satisfied with them, and whether we understand what is driving them. Adjustments reflect changes in your life, your attitudes, and market conditions.

Do I have to move my investments to work with you?

No. If you prefer to keep managing your own investments, I also offer stand-alone financial planning, so you can keep your accounts where they are. Investment management is available when you want ongoing help building and managing your portfolio.

Can I work with you if I live outside Houston?

Yes. I meet with clients in person at my Houston office and virtually, subject to the state registration requirements that apply to Baird Financial Advisors.