Clarity first. Then confident decisions.
After a divorce or the loss of a spouse, the financial decisions land on you alone. We help you see the whole picture, understand your options in plain language, and decide on your own timeline.
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 hardest part is usually not the math.
Something changed, and suddenly decisions that were shared — or someone else’s entirely — are yours alone. Accounts you’ve never logged into. A settlement or a policy payout sitting in cash. People telling you to act quickly.
Almost none of it is as urgent as it feels. A handful of things do have real deadlines. Most don’t. Knowing which is which is the first useful thing anyone can give you, and it doesn’t require you to commit to anything.
We work with women across the Houston area in exactly this position. No jargon, no assumption that you should already understand it, and no pressure to decide today.
“Am I going to be okay?”
It’s the real question underneath all the others, and it deserves a straight answer rather than reassurance. Sometimes the answer is yes and the work is protecting that. Sometimes there’s something to fix and there’s still time. Either way, you leave knowing.
Six questions we hear most often
None of them have a one-size-fits-all answer. All of them have your answer, and it’s knowable.
Bring the situation, not a list of questions. Fifteen minutes is usually enough to sort what’s urgent from what can wait.
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 frameworkHouston families who started where you are
Each of them arrived with more questions than answers. This is what having a plan looked like on the other side of it.
▶
▶
▶
Questions women ask us first
If yours isn’t here, ask it on the 15-minute call — we’d rather answer it early than late.
With an inventory, not a decision. What accounts exist, what’s in them, what income comes in, what debts and policies are out there, and who’s named as beneficiary. Almost every big decision can wait until that’s on one page — and no one worth working with will ask you to commit before it is.
Yes. Both follow a similar sequence: retitle accounts, update beneficiaries, work out what income continues and what stops, then rebuild the plan around one household instead of two. Widowhood adds survivor benefit decisions and a narrower tax bracket that affects withdrawals for years afterward.
Very little at first. Inherited assets follow different tax rules depending on the account, and inherited retirement accounts carry distribution deadlines that get expensive if handled wrong. Understand what you received and which clocks are running before you decide anything else.
They do different jobs. Your attorney handles the settlement or the estate documents; your CPA handles the filing. Neither typically manages what happens next — how the money is invested, what you draw and from where, and how it all holds up over the next twenty or thirty years. We coordinate with both rather than replacing either.
Slower than it feels. A few things carry real deadlines — certain inherited account elections, insurance claim windows, Medicare and employer benefit enrollment. Most of the rest can wait. Separating the two is often the single most useful thing that comes out of a first conversation.
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.
Start with a conversation, not a commitment.
Fifteen minutes with a fiduciary advisor. By phone, or in person at any of our four Houston-area offices.