2022 Reviews

Top Financial Planners in Houston - 2022

LAST UPDATED 30 Nov, 2022
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List of the Top Financial Planners in Houston

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Gessner Wealth Strategies

Service Focus
10% Financial Planning
17% Asset Management
13% Financial Advisory
18% Budget Management
21% Retirement
21% Other
Service Focus
10% Financial Planning
17% Asset Management
13% Financial Advisory
18% Budget Management
21% Retirement
21% Other
Gessner Wealth Strategies is a registered investment advisory firm offering a fee-based only apProach to investing for individuals, their families and businesses. They offer portfolio management services, and they also help clients with insurance decisions, financial decisions of any kind, and full fee-based financial planning.

Financial Synergies Wealth Advisors

Service Focus
4% Financial Planning
31% Asset Management
13% Financial Advisory
10% Budget Management
27% Retirement
14% Other
Service Focus
4% Financial Planning
31% Asset Management
13% Financial Advisory
10% Budget Management
27% Retirement
14% Other
Financial Synergies Wealth Advisors is an independent, fiduciary advisor and they have the freedom to develop your financial plan and investment strategy without conflicts of interest. They are a fee-only financial advisor based in Houston, Texas and they specialize in wealth management servicesluding comPrehensive financial planning and investment management.

Busch Financial Planning

Service Focus
22% Financial Planning
7% Asset Management
29% Financial Advisory
19% Budget Management
5% Retirement
17% Other
Service Focus
22% Financial Planning
7% Asset Management
29% Financial Advisory
19% Budget Management
5% Retirement
17% Other
This company is an independent financial advisory firm located in suburban Houston that offers you objective financial advice by the hour, as you need it. Clients call or visit when they have a need, and they pay for the time spent working on their specific financial strategy. They are a member of The Garrett Planning Network

Frequently Asked Questions About Financial Planners

The particular cost tends to depend on the range of services your chosen financial planner offers you, as well as their experience. Nevertheless, thorough financial planning can cost anything from $2100 to $11,000 each year.

Financial Advisors come in 3 basic flavours:
Transactional Advisors/Brokers/Insurance Agents charge clients a percentage or fixed amount for each purchase (and, in the case of stocks, bonds, or options, each sale, as well).
Financial Advisors who charge a fixed dollar amount to provide advice: for example, a financial or retirement plan, an asset allocation or an inheritance, tax, or succession plan. These Advisors have no asset minimum.
Investment Advisors (aka, Wrap-fee advisors, Fiduciary Advisors, Asset Fee-Based Advisors) both Advise and also Invest the money. They charge a fee that is a percentage of the assets under management. Typically, minimums are $100–200k, but maybe as high as $500k or a Million.

Given that there are over 100 certifications available to those in the financial industry, the CFP certification certainly stands out. For one, to be a CFP, one must be a fiduciary. This means that every CFP must put the needs of their clients ahead of their own. It can be surprising to learn that the majority of financial professionals are not required by law to do this and it is for this reason that the CFP and the CFP board unique and important entities where consumer protections are mentioned.

It means that your financial planner follows the fiduciary standard. This is a standard that means your financial planner puts your best interests ahead of their own. For example, if your financial planner has two similar investment products with varying fees, your financial planner that is also a fiduciary would have no choice but to recommend the investment product that has the lower cost to you, even if that means they would make less money from it. It is a standard that is great for you, the client and not necessarily for the financial planner.

What it simply means is that:

  • They must act in your best interest
  • They must provide information pertaining to any conflict of interest that may arise
  • They must clearly define how their money is made (commissions, asset-based fees, upfront fees, and more).

Generally, any professional that is able to help you take care of your money is to be considered a financial advisor. However, a financial planner is a financial advisor working within a specific niche known as financial planning. If your goal is to have a program that helps you achieve your long-term financial goals, then a financial planner would be the go-to professional.

The role of a financial planner is to provide expert assistance and advice in order to help you reach any financial goals you have set for yourself. These goals typically depend on your needs and your situation. A financial planner is able to help you with saving and budgeting, investing, debt reduction, estate planning, insurance, retirement, and tax optimisation.

Accreditation and certification
When talking to someone about your money and financial future, it is imperative that you know the person you aim to work with is actually qualified for the job. It is important to note that whilst accreditation is a wonderful sign, it does not guarantee that the individual is a great financial planner. This is why you ask for referrals and references.

Pay structure
Every financial planner comes with their own unique pay structure, so you have to select the one that helps determine if an investment was smart as it was intended to be. Generally, you want to avoid working with financial planners on a commission basis. They are likely to think more about their commission than meeting your needs.

Listen out for questions
A great way to ascertain the ethics of your chosen financial planner is to just listen to them while they speak. Additionally, you will want to pay attention to how many questions they ask you. Given that all financial situations and goals are different, there isn’t a cookie-cutter option. It is best to steer clear of financial planners that say otherwise.

Conduct a background check
Given the peculiarity of the relationship, there will have to be a fair amount of trust and transparency for your relationship with the financial planner to be successful. This is where you will want to learn more about their background. Find out if they have ever been investigated by an investment regulatory body or have been convicted for a crime.

There are quite a number of questions to ask a financial planner when you first meet them, however, the most important question is one that you pose to yourself; you have to know what you want in an advisor. Try to discover the type of services you will require and how much you are willing to pay for those services. Thinking about these questions will help you determine what questions to ask before hiring a financial planner. Below are the questions you should ask when hiring a financial planner:

  • What are your credentials?
  • Are you a fiduciary?
  • How do you get paid?
  • What services do you offer?
  • What is your investment philosophy?
  • How will investments be picked for me?
  • What benchmarks are used?
  • Who is your custodian?
  • What are your typical clients like?
  • How much contact will we have?
  • Do you have anyone else that works with you?
  • What is your succession plan?
  • Is it possible to view a sample financial plan?
  • Why should I choose you?

The Goff Financial Group

Service Focus
10% Financial Planning
25% Asset Management
11% Financial Advisory
1% Budget Management
15% Retirement
38% Other
Service Focus
10% Financial Planning
25% Asset Management
11% Financial Advisory
1% Budget Management
15% Retirement
38% Other
The Goff Financial Group is founded over 20 years ago with one idea in mind: Provide long-term investors with sound, objective financial advice. This company is an independent, fee-only investment advisor registered with the U.S. Securities and Exchange Commission. They recognize that every investor has unique financial needs and deserves the utmost attention.

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Linscomb Williams

Service Focus
12% Financial Planning
13% Asset Management
10% Financial Advisory
37% Budget Management
22% Retirement
6% Other
Service Focus
12% Financial Planning
13% Asset Management
10% Financial Advisory
37% Budget Management
22% Retirement
6% Other
This company is a fee-only, fiduciary financial planning and investment management firm headquartered in Houston, Texas and serving investors nationwide. They have nearly half a century of experience helping families build, Preserve and manage wealth. Their senior staff members have an average of 22 years of experience. They have successfully navigated clients through uncertain times.

Hamilton Financial Planning

Service Focus
29% Financial Planning
1% Asset Management
21% Financial Advisory
9% Budget Management
16% Retirement
24% Other
Service Focus
29% Financial Planning
1% Asset Management
21% Financial Advisory
9% Budget Management
16% Retirement
24% Other
They Provide holistic fee-only, hourly financial planning services covering topics such as retirement planning, college planning, withdrawal planning, investment planning, insurance planning, estate planning, tax strategy, and budget management. DFA is a mutual fund company based in Austin, Texas. Their services are offered on a fee-only basis. This means that you pay a clear fee for the services they deliver.

Horizon Advisors

Service Focus
11% Financial Planning
6% Asset Management
18% Financial Advisory
31% Budget Management
16% Retirement
18% Other
Service Focus
11% Financial Planning
6% Asset Management
18% Financial Advisory
31% Budget Management
16% Retirement
18% Other
Horizon Wealth Advisors is a full-service wealth management firm. They offer services like financial planning, estate planning, retirement planning, etc. This company is a Houston based, a fee-only financial advisory firm established in 1999 in Houston, Texas. Their mission is to develop long-term relationships with thoughtful, successful individuals, families, and organizations by supporting and assisting them in achieving their financial goals.

Edelman Financial Engines

Service Focus
19% Financial Planning
22% Asset Management
8% Financial Advisory
19% Budget Management
8% Retirement
24% Other
Service Focus
19% Financial Planning
22% Asset Management
8% Financial Advisory
19% Budget Management
8% Retirement
24% Other
Edelman Financial Engines Provides life planning, a comPrehensive apProach that means they can help you with any decision in your life related to a dollar sign. Working with them means that you will get a lifelong partner, a dedicated financial planner who'll Provide deek expertise to create a personal financial strategy that's designed to change as your life does.

Strategic Financial Advisors

Service Focus
33% Financial Planning
25% Asset Management
2% Financial Advisory
16% Budget Management
16% Retirement
9% Other
Service Focus
33% Financial Planning
25% Asset Management
2% Financial Advisory
16% Budget Management
16% Retirement
9% Other
This company is an independent financial planning company based in Houston, Texas. They assist clients who want objectivity without any Product influence. Their mission is to imProve your life measurably by helping you become good stewards of your financial resources. They understand that managing their investments is more complicated and time-consuming than ever before.

Tiras Wealth Management

Service Focus
21% Financial Planning
31% Asset Management
4% Financial Advisory
16% Budget Management
21% Retirement
7% Other
Service Focus
21% Financial Planning
31% Asset Management
4% Financial Advisory
16% Budget Management
21% Retirement
7% Other
Starting with a one-on-one conversation about your financial goals, an AmeriPrise advisor can help you Prepare for the expected, and the unexpected. Through a personalized financial plan, your advisor can help you live the life you love today and feel more confident about the future. They will help you feel confident about your financial future, at any stage in your life.

Ronald Blue Trust

Service Focus
17% Financial Planning
8% Asset Management
34% Financial Advisory
11% Budget Management
20% Retirement
10% Other
Service Focus
17% Financial Planning
8% Asset Management
34% Financial Advisory
11% Budget Management
20% Retirement
10% Other
This company Provides wealth management strategies and trust services based on biblical Principles to empower their clients to make wise financial decisions, live generously, and leave a lasting legacy. They have advisors in 14 offices around the country Provide a full complement of servicesluding financial, retirement, and estate planning, investment management and solutions, etc.

Nxt Gen Financial Planning

Service Focus
25% Financial Planning
21% Asset Management
11% Financial Advisory
8% Budget Management
15% Retirement
19% Other
Service Focus
25% Financial Planning
21% Asset Management
11% Financial Advisory
8% Budget Management
15% Retirement
19% Other
They are fiduciaries with a legal obligation to do what is in your best interest. They are legally liable for all the recommendations they Provide to their clients. In fact, their clients grew up in a digital, on-demand world. This is why theyorporate the latest in financial planning technology into their Process.

Edward Jones

Service Focus
21% Financial Planning
24% Asset Management
7% Financial Advisory
23% Budget Management
7% Retirement
18% Other
Service Focus
21% Financial Planning
24% Asset Management
7% Financial Advisory
23% Budget Management
7% Retirement
18% Other
This company serves nearly 7 million investors from more offices than any other investment company in United States. They have been consistently ranked among the best companies to work for by "Fortune" magAZine, and their employees tend to stay with them for years. As their client, you have access to their knowledge and resources.

STA Wealth Management

Service Focus
4% Financial Planning
32% Asset Management
3% Financial Advisory
18% Budget Management
8% Retirement
35% Other
Service Focus
4% Financial Planning
32% Asset Management
3% Financial Advisory
18% Budget Management
8% Retirement
35% Other
STA Wealth Management is a fast-growing and highly collaborative independent asset management and financial planning firm applying a conservative, disciplined, different apProaches to investing. They are committed to meeting the unique needs and challenge their clients. At STA they Provide an abundance of resources to keep you educated, informed, and empowered.

Cris Financial

Service Focus
17% Financial Planning
14% Asset Management
9% Financial Advisory
26% Budget Management
31% Retirement
3% Other
Service Focus
17% Financial Planning
14% Asset Management
9% Financial Advisory
26% Budget Management
31% Retirement
3% Other
CRIS Financial is an Independent, Conservative, Full Service Financial services firm committed to helping people pursue their personal economic goals. They are committed to maintaining the highest standards of integrity and Professionalism with their clients. They offer a wide range of financial Products and services to Pre-retirees and Retired individuals and business owners.

Prota Financial

Service Focus
32% Financial Planning
15% Asset Management
1% Financial Advisory
4% Budget Management
42% Retirement
6% Other
Service Focus
32% Financial Planning
15% Asset Management
1% Financial Advisory
4% Budget Management
42% Retirement
6% Other
They are a fee-only advisory firm, that means all the recommendations they make are for your best interest. Whether you are planning for retirement, saving for college, growing a business, or Preserving and growing your assets, they work with you to fulfill those critical goals and smooth out the bumps that the economy throws along the way.

Insight Wealth Strategies

Service Focus
4% Financial Planning
29% Asset Management
1% Financial Advisory
18% Budget Management
23% Retirement
25% Other
Service Focus
4% Financial Planning
29% Asset Management
1% Financial Advisory
18% Budget Management
23% Retirement
25% Other
Insight Wealth Strategies is a team of fiduciaries. They serve you by understanding your unique objectives and concerns. They help you achieve your financial goals. Their planners will analyze your particular situation and offer recommendations that suit you best. They will also help you to implement your financial plan and periodically review it as circumstances or goals change.

North Star Resource Group

Service Focus
5% Financial Planning
15% Asset Management
21% Financial Advisory
20% Budget Management
21% Retirement
18% Other
Service Focus
5% Financial Planning
15% Asset Management
21% Financial Advisory
20% Budget Management
21% Retirement
18% Other
This company is a financial services firm committed to helping steer their clients on the path to financial security. They can Prepare you for the unexpected with life insurance or disability insurance, became a savvy investor, develop a sound financial plan, Prepare for your child's college education and much more.

Westwood

Service Focus
19% Financial Planning
17% Asset Management
22% Financial Advisory
14% Budget Management
19% Retirement
11% Other
Service Focus
19% Financial Planning
17% Asset Management
22% Financial Advisory
14% Budget Management
19% Retirement
11% Other
Westwood is wealth management and global investment company with $15 billion in assets under management. For over 25 years, their focus has been to Protect client capital and to help clients whether some of the most challenging markets in history. They are also focused on transparency and ethical conduct.