financial planning

trust | transparency | results

our 5-step process


 It’s not enough to simply manage investments – our financial planning consultants in The Woodlands create robust financial plans that utilize our full range of capabilities to meet our clients’ needs and achieve their unique goals.  We take complex financial issues and transform them into simple, elegant solutions. We believe that managing wealth is a lifelong process, not a one-time event, and our promise to our clients is to stay engaged on an ongoing basis to ensure their success.

Our goals-based planning process centers around building a foundation for success. It is designed to highlight and address your aspirations as well as identify and address the risks, fears, or constraints that might limit your chances of accomplishing those goals. Scroll down to learn more about each of the five steps.


The purpose of our first meeting with you is simple: to get acquainted! This is where we learn more about you, your family, hobbies, business, values, and more. A fundamental understanding of your life and goals is essential to a successful wealth management relationship. The introductory meeting with your financial planning consultant in The Woodlands is also your opportunity to get answers to any questions you have about our firm, staff, process, compensation, and more. Our goal is to earn your trust with complete transparency! If you decide to engage our firm, we will ask you to complete a confidential client questionnaire and provide documents we will need to begin a detailed financial analysis.

Step 2: Investment and Financial Plan Meeting

This meeting will occur once the initial documents are received. At this stage, we need to understand your personal risk appetite in your investments. We assess this tolerance for risk as part of your overall client profile and use the risk information to construct your customized investment portfolio. Our Chief Investment Officer personally analyzes each client’s investment to ensure that your portfolio is aligned with your goals.

In this meeting, your financial planning consultant in The Woodlands will also include a review of your detailed financial plan. This is the roadmap to and through retirement for you and your family. It describes in detail how each of your future goals will be accomplished and will indicate your probability of success for the overall plan. This is extremely valuable for you because it allows you to tweak your plan in the future and adjust as we go.

Step 3: Implementation

Once we’ve given you our recommendations, it’s time to implement your customized plan, created from our investment portfolio services in The Woodlands. This involves opening accounts, making the relevant trades to construct the portfolio, and more. Most of the time, this process will encompass much more than just investments. Estate Planning and Tax Planning issues are usually handled at this point as well, such as making updates to wills or trust documents or changing the source of monthly distributions for tax efficiency. This is the most vital part of our process; if the recommendations are not implemented, the benefit to the client is never realized! Our team of financial planning consultants in The Woodlands carefully monitor every aspect of the implementation phase to ensure completion.

Step 4: Quarterly Wellness Check (First year)

When you go to the doctor for an ailment, it typically goes like this: You have an appointment, are diagnosed, prescribed medicine or another treatment, and told to come back after a period of time to ensure that you’re cured. Our first-year wellness checks serve this same purpose. Once we have analyzed your situation and made a diagnosis, we implement a solution. These additional meetings ensure that everything is running smoothly and there are no final hiccups to be managed by our team. Once we sit down with you and ensure that all is as it should be, your onboarding process is officially complete!

Step 5: Periodic Monitoring

Consider this: if you’re going somewhere and are off course by just one degree, after one foot, you’ll miss your target by 0.2 inches. Trivial, right? But what about as you get farther out?

  • After 100 yards, you’ll be off by 5.2 feet.
  • After a mile, you’ll be off by 92.2 feet.
  • If you were trying to get from San Francisco to Washington, D.C., you’d end up on the other side of Baltimore, 42.6 miles away.
  • Traveling around the globe from Washington, DC, you’d miss by 435 miles and end up in Boston.
  • In a rocket going to the moon, you’d be 4,169 miles off (twice the diameter of the moon).
  • Going to the sun, you’d miss by over 1.6 million miles (twice the diameter of the sun).
  • Traveling to the nearest star, you’d be off course by over 441 billion miles (120 times the distance from the earth to Pluto, or 4,745 times the distance from Earth to the sun).

Over time, a mere one-degree error in the course makes a dramatic difference! The easiest way to ensure that your financial plan stays on track throughout your life is to spend time each year looking at your progress. We use our investment portfolio services to compare what has actually occurred with the projections we’ve made. If something changes in your life, so will the plan! This way, we can tweak your plan year by year to make sure that if you’re off track in any given year, we can adjust for it in the next year and keep you on pace towards your goals.

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If you have any questions or would like to learn more about our firm, please fill out the form below and we’ll get back to you shortly.  We look forward to hearing from you.