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Financial Planning

Financial Planning for Every Stage of Life's Journey

832-461-0789

Your Financial Plan Journey

Organizing, Optimizing, and Maintaining Your Entire Financial Picture

Experience comprehensive financial planning services with us as your trusted advisors. We take pride in organizing, optimizing, and maintaining your entire financial picture. Spend more time doing what you enjoy while we develop a personalized financial plan to help you achieve your goals.

Help First Promise

Commitment to Excellence

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With our Help-First Promise, we offer a complimentary initial consultation to assist you in finding the right path, even if it doesn’t involve us. During this initial meeting, we prioritize understanding your current situation, desired destination, and planned approach. By taking the time to learn about your specific needs and goals, we ensure that any guidance we provide is tailored to your unique circumstances.

Before providing any financial recommendations for enhancement, we make sure to thoroughly comprehend your objectives and the steps you plan to take to achieve them. Our commitment is to deliver a completed plan that meets your full satisfaction. We don’t bill for our service until we have successfully delivered on this promise, ensuring that you receive value and clarity before any financial obligation is incurred.

Background

The Compass 360 Planning Process

Your Wealth. Your Way.

At Granite Harbor Advisors, we're dedicated to enhancing your lifestyle by providing more time for what matters, reducing stress, and securing your family's financial future for generations. As a leading full-service financial advisory firm headquartered in Houston, our Compass360 Planning Process simplifies the complexity of financial planning by organizing and optimizing your entire financial picture, so that you can spend more time doing what you enjoy.

Discover

Get to Know Each Other
  • About You
  • About Us
  • Explore Goals
  • Personalized Guidance
  • Path Forward

Design

Initiate Planning
  • Gather Data
  • Refine Priorities
  • Interactive Review
  • Tailor Solutions

Deliver

Finalize & Implement Plan

Fiduciary Financial Advice for:

  • Cash Flow & Savings
  • Tax Planning
  • Asset Allocation
  • Risk Management & Insurance
  • Estate Planning & Wealth Transfer
Year 1
Year 2+
Compass 360 Year 2+

Dedicate

Maintain Continuous Alignment Between Your Goals & Plan
  • Proactive Recommendations
  • Monthly Updates
  • Consistent Plan Reviews
  • Coordination of Professionals (CPA, Attorney, P&C)

Benefits of Financial Planning

Securing Your Future Through Strategic Financial Management

Asset Management

Selecting suitable investments based on risk tolerance, time horizon, and financial goals greatly influences an individual's long-term financial success.

Risk Management

Developing strategies to mitigate potential risks and protect assets is crucial for individuals and businesses, making risk management an essential aspect of financial planning.

Estate Planning & Tax Strategies

Maximize Your Legacy with Expert Guidance and Efficient Tax Solutions

Ongoing Support

Ensuring continuous financial guidance and assistance helps clients achieve and maintain their financial goals through ongoing support.

Financial Education

Providing clients with the knowledge and skills needed to make informed financial decisions and achieve long-term financial success is the goal of financial education.

Foundation for Long-Term Financial Security

Establishing a robust financial base ensures sustained stability and growth for the future, providing long-term financial security.

Our Commitment

Your Path to Financial Success: What to Expect Next

Reviewing and maintaining your financial plan is paramount to your success. Once we have completed the implementation phase, we will establish a mutually agreed-upon review schedule to monitor your progress. Regular reviews are essential to ensure that your financial planning remains aligned with your evolving needs and goals.

We provide monthly updates to ensure the accuracy of your financial plan and make proactive changes whenever needed. This ongoing attention helps to keep you on track toward your financial goals and allows us to make necessary adjustments promptly. By consistently reviewing your financial planning, we can address any changes in your circumstances and ensure that your plan continues to support your long-term objectives.

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Resources for Financial Planning

A Selection of Granite Harbor Resources Focusing on Financial Planning

Don’t Let Age Guide Your Retirement Planning
4 minutes read

Don’t Let Age Guide Your Retirement Planning

There are many rules of thumb in the world of personal financial planning, particularly when it comes to retirement planning. Some common “rules” are to be more conservative with your money as you get older, or that the percentage of bonds in your portfolio should be equal to your age. These rules may be appropriate for some, but not for all. Many affluent individuals often have more flexibility as…
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Summer Strategies: Financial Planning Tips for a Season of Smart Spending
5 minutes read

Summer Strategies: Financial Planning Tips for a Season of Smart Spending

Contributed by: Pijus Bulvinas, CFP As summer approaches, so does a subtle shift in mindset. For many families, business owners, and executives, the season offers a temporary pause – a time for travel, leisure, and reflection. Yet this shift in pace also presents a unique opportunity to recalibrate your financial plan. While the warm months invite relaxation, they also reward those who remain intentional…
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Understanding Your Retirement Benefits: Things to consider as a BP Executive Preparing to Retire
7 minutes read

Understanding Your Retirement Benefits: Things to consider as a BP Executive Preparing to Retire

How do I make the most of my BP retirement benefits? As one of the most lucrative positions in the oil and gas industry, BP executives enjoy exceptional employee benefits. However, navigating these offerings can be overwhelming, even for high-level executives. From cash compensation and severance packages to stock options and bonuses, the array of benefits can be daunting to navigate—especially anticipating…
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2025 Estate and Gift Tax Updates You Need to Know
3 minutes read

2025 Estate and Gift Tax Updates You Need to Know

Authored by: Brian W. Sak, CFP®, CLU®, ChFC® In a significant update for estate planning and wealth management, the Internal Revenue Service (IRS) has announced an increase in the estate and gift tax exemption for 2025. The exemption amount will rise to $13.99 million per person, up from $13.61 million in 2024. Additionally, the annual exclusion gift tax limit will rise to $19,000 per individual up…
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Pros and Cons of Private Equity Investing: What You Need to Know as a High-Net-Worth Investor
4 minutes read

Pros and Cons of Private Equity Investing: What You Need to Know as a High-Net-Worth Investor

Private equity investments can be an attractive option for investors looking to diversify their portfolios and potentially earn higher returns. However, before jumping into this type of investment, it's critical to consider whether it's the right choice for your individual financial goals and risk tolerance. What are the pros of private equity investing? Higher potential returns: Private equity investments…
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Understanding Premium Financing: A Strategic Approach to Wealth Building
3 minutes read

Understanding Premium Financing: A Strategic Approach to Wealth Building

Understanding Premium Financing Premium Financing represents a sophisticated financial strategy that involves the procurement of a bank loan to pay for insurance premiums. This approach is particularly advantageous for high-net-worth individuals seeking to preserve their use of capital in other areas, while securing desired life insurance coverage for liquidity planning. The Mechanics of Premium Financing Premium…
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