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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

(eCLAT): Combining Philanthropy with Wealth Transfer Strategies
6 minutes read

(eCLAT): Combining Philanthropy with Wealth Transfer Strategies

Contributed by: Brian W. Sak, CFP®, CLU®, ChFC® For high-net-worth individuals seeking to balance charitable giving with strategic wealth transfer, the Enhanced Charitable Lead Annuity Trust (eCLAT) is a powerful tool. This sophisticated strategy enables donors to make substantial contributions to charity while preserving and growing wealth for their families. By incorporating life insurance into a…
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Charitable Planning: A Strategic Avenue for Philanthropic Impact and Wealth Management
8 minutes read

Charitable Planning: A Strategic Avenue for Philanthropic Impact and Wealth Management

Contributed By: Timothy Smith, CFP Charitable planning stands as a cornerstone in the realm of wealth management, offering affluent individuals and families a pathway to leave a lasting impact on society while simultaneously optimizing their tax strategy. A charitable approach can provide substantial benefits, including tax relief, income generation, and most importantly, legacy preservation. Some…
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Income Strategies for Retiring Executives
5 minutes read

Income Strategies for Retiring Executives

Contributed by: Austin Manning, CFP Retirement planning for corporate executives involves far more than deciding when to exit the workforce. With deferred compensation packages, concentrated stock positions, non-qualified plans, and golden parachutes in the mix, the path to financial independence is layered with complexity. One often overlooked tool in managing this transition is the annuity – a word…
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Ensuring Your Legacy through Estate Planning: Preparing for the Inevitable
6 minutes read

Ensuring Your Legacy through Estate Planning: Preparing for the Inevitable

During a recent estate plan meeting, one of our most trusted partner estate attorneys shared a thought that deeply resonated with us and our clients. She emphasized, "Leaving your family without a plan in place is one of the most inconsiderate things you could do." We couldn't agree more. When a loved one passes away without a proper plan, it can cause significant stress, unintended burdens, and consequences…
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Understanding the Qualified Business Income Deduction
4 minutes read

Understanding the Qualified Business Income Deduction

What is the Qualified Business Income Deduction? The Qualified Business Income (QBI) Deduction is a tax provision introduced under the Tax Cuts and Jobs Act (TCJA) of 2017. This deduction, available under Section 199A, allows eligible taxpayers to deduct up to 20% of their qualified business income from their taxable income. The purpose of this provision is to provide a tax break to small business…
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The Trade Off Between Basis Adjustment and Estate Taxation
6 minutes read

The Trade Off Between Basis Adjustment and Estate Taxation

Contributed by: Brian W. Sak, CFP, CLU, ChFC For high-net-worth individuals, preserving family wealth across generations often involves balancing two competing priorities: minimizing estate taxes and maximizing the capital gains tax benefits through a basis adjustment. These two objectives frequently intersect, particularly when deciding whether to leave assets in an estate or transfer them into a…
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