Retire smarter. Live longer. Leave a legacy.
Your personal wealth and your company’s success are deeply connected — every decision carries financial impact. We help Texas business owners build, protect, and transition wealth with one plan that covers both.
The checkup is a real conversation with a Houston advisor — not a screening call, not a sales script. You’ll hear which part of your plan needs attention first, and if we’re not the right firm for you, we’ll tell you that on the call.
The business is the plan — and that’s the problem.
You’ve poured years into building something that works. Along the way, the business quietly became the retirement plan, the estate plan, and the family’s largest asset — all in one illiquid place.
That concentration is normal, and it’s fixable. The work is moving wealth out of the business deliberately — through the right retirement plan, the right tax structure, and eventually the right exit — so your family’s future doesn’t depend on a single future sale at a hoped-for price.
We work with entrepreneurs and owners across the Houston area as fiduciaries — transparent, independent guidance with no products to push and no quotas to hit.
“What happens to us if I ever step away?”
Every owner asks it eventually — about retirement, about a sale, about the unexpected. Without a strategy the question breeds uncertainty. With one, it becomes a plan you can point to. Either way, you leave the first call knowing where you stand.
Six questions we hear from business owners
None of them have a one-size-fits-all answer. All of them have your answer, and it’s knowable.
Fifteen minutes is usually enough to find out. Bring the one that’s been sitting on your list and we’ll tell you where it fits in the bigger picture.
The checkup is a real conversation with a Houston advisor — not a screening call, not a sales script. You’ll hear which part of your plan needs attention first, and if we’re not the right firm for you, we’ll tell you that on the call.
What the work actually looks like
Six pieces, built in one plan by one team — each one sitting inside a quadrant of the Family Wealth Circle.
The Family Wealth CircleTM
One circle. Four strategies. A plan your family can actually follow.
The outer ring is what life hands you — Social Security, Medicare, pensions, healthcare, and market risk. You don’t get a vote on those. The four quadrants inside are what we build around them, with you.
See the full frameworkOwners and families who asked the same questions
Each of them came in asking whether they had enough and what to do first. This is what a coordinated plan looked like on the other side.
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Questions from business owners
If yours isn’t here, ask it on the 15-minute call — we’d rather answer it early than late.
Most of the leverage is structural: the right entity and compensation mix, a well-designed retirement plan, deliberate timing of income and purchases, and business deductions coordinated with your personal return. These are decisions made across the year with your CPA — not discoveries made at filing time.
It depends on headcount, payroll, and how much you want to shelter personally. A solo 401(k) fits an owner-only business. A SIMPLE IRA or safe harbor 401(k) fits small teams. A cash balance plan layered on a 401(k) can let a high-earning owner shelter six figures a year. The right answer weighs your tax benefit against the cost of covering employees.
Start years before the sale. A transferable business needs clean financials, reduced owner dependence, and a valuation grounded in what buyers actually pay. The personal side matters just as much: how the proceeds get taxed, what income they need to generate, and what the plan looks like if the price comes in lower than hoped.
For most owners the business is already the biggest position they hold — the family’s wealth concentrated in one illiquid asset. The planning question is how much to move out systematically, through plan contributions, distributions, and diversified investing, so retirement doesn’t hinge on a future sale at a hoped-for price.
They do different jobs. Your CPA files and your attorney documents — but neither typically owns the ongoing plan: how wealth moves out of the business, how it’s invested, and how the pieces hold together over the next twenty years. We coordinate with both rather than replacing either.
We’re an independent fiduciary firm, obligated to act in your interest, with no captive carrier and no house fund we’re pushed to recommend. And all four strategies are coordinated by one team under one roof rather than by four people who’ve never met.
Build freedom beyond your business.
Fifteen minutes with a fiduciary advisor. By phone, or in person at any of our four Houston-area offices.
The checkup is a real conversation with a Houston advisor — not a screening call, not a sales script. You’ll hear which part of your plan needs attention first, and if we’re not the right firm for you, we’ll tell you that on the call.