Retirement & Financial Planning

We have partnered with Potter Financial in order to provide financial planning and investment services. You can find out more below.

Financial Planning

Before undertaking a large project, especially one that could earn much money in the long term, it’s common (if not necessary) to start with a plan. For example, building a home or starting a business requires extensive preparation; statistics show that most companies founded without a business plan fail within the first few years of business. As you can see, planning pays off. However, when it comes to personal financial planning, many of us are willing to take the risk. Why?

The process of acquiring wealth involves many factors that are beyond our control. However, we will help you take advantage of opportunities to generate more wealth potentially. During our free consultation, we take a full assessment of your financial standing. Then, we suggest specific accounts, investments, and strategies based on your goals. By the end of that very first meeting, you’ll know some of the next steps to take towards a more livable future.

A plan without a goal is a map; it can tell you where everything is, but it won’t tell you where you should go. If you don’t already have a goal in mind, we can help you set one. Goals are typically short-term (less than five years) or long-term (over five years). We recommend alternative savings methods for short-term goals, but managed investments are a great financial method to achieve your long-term goals. Examples of long-term goals include:
  • Saving for retirement
  • Saving for child’s college expenses
  • First home purchase
  • Leaving an inheritance for children/grandchildren
If you change your goals, you always have the option to open a new account. This allows you to aim for both goals simultaneously without interfering with the progress of either. If each person in your family has different needs, we can suggest personalized strategies for each person.

Our financial strategy considers your current income, other assets, risk tolerance, current tax bracket, assumed tax bracket at the time of retirement, and more. Depending on any combination of factors, we suggest the best account and investment strategy for you. Because we offer managed accounts, you may be able to tolerate more risk than you would if you were to manage your funds. Furthermore, our portfolio selection includes a wide array of mutual funds; this allows you to quickly enter the market and start seeing returns, even without any investment or market knowledge. If you prefer to manage your portfolio directly, our financial planners will make sure you know how to do so wisely. Keep your strategy in mind, and don’t make a rash, emotional decision. If your direct account is with us and you need any advice or assistance, we are only a call away.

Retirement Planning

Retirement is not an age but a number. It’s the amount you need to have at retirement to spend your golden years in dignity.

We’ve got some good news and some bad news about retirement planning.

Good News

The average life expectancy in the U.S. is steadily increasing. That’s nearly double the average life expectancy a century ago and five years from 2000. Americans have more time than ever before to spend with family, see the world, and explore their interests.

Bad News

The average age of retirement is 67, and constantly increasing. Adults continue to delay retirement and work for more years than previous generations. Therefore, many of us spend our extended life expectancy supporting ourselves and paying off debt with active income.

Don’t let delayed retirement savings delay your retirement.

Recent statistics indicate that the current American generation has limited retirement savings. Even with some serious lifestyle adjustments, the average American’s retirement savings won’t last anywhere near the projected life expectancy. The retiree will have to rely on loved ones or re-enter the workforce to support themselves. And that’s not how we want anyone to spend their “last days.”

You Need Above-Average Retirement Planning.

Retirement planning requires much more than setting money aside. The amount of money you save is significant, but so is where you put it. It’s also valuable to pay attention to what you do with the money you don’t save. That’s where we can help. Let us help you develop a retirement plan that is designed to pay off. We will analyze your financial situation and create a strategy that far exceeds the expectations of the average American. Our long-term retirement planning services include:

  • Consultations
  • Client Education
  • Investment Strategy
  • Account Management (Roth IRA, Traditional IRA, 401K, Rollover accounts, and more)
  • Market Research

Regardless of your current savings or income, we can develop a personalized retirement plan for you. Furthermore, we can help you execute it.

We will help you learn and invest in

And much more…

Call today for more information

Planning is essential but acting on that plan is how things really get done. Call us today to schedule your free consultation. You can reach us by calling (281)435-1888. We’ll help you refine your goals and give you the tools to meet them. You’ll know exactly where you stand financially and the best next steps to take by the end of the meeting. You’ve got much life left to live; don’t plan for average retirement. Plan for more with us!


Investment Advisory Services offered through Independent Advisor Representatives of Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., A broker-dealer, member of FINRA/SIPC, to residents of TX, CA, FK, MA and NM. Cambridge and Potter Financial are not affiliated. Check the background of this financial professional on FINRA’s BrokerCheck