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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

Wealth Preservation in Times of Political Uncertainty
3 minutes read

Wealth Preservation in Times of Political Uncertainty

Contributed by: Austin Manning, CFP® In today's rapidly changing political climate, high net worth individuals and investors face unique challenges when it comes to preserving wealth. The strategies outlined below are potential financial planning and wealth management solutions to safeguard assets amidst uncertainty. Proper Diversification of Asset Classes Diversification is a fundamental strategy…
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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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Financial and Estate Planning for High-net-Worth Individuals with a Blended Family
5 minutes read

Financial and Estate Planning for High-net-Worth Individuals with a Blended Family

In the intricate realm of financial and estate planning, an additional layer of complexity arises when dealing with high-net-worth individuals who have blended families. The challenge lies in striking a delicate balance between the financial needs and goals of each family member, while also ensuring that wealth is strategically managed and preserved for future generations. This blog post aims to illuminate…
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How Annuities Can Transform Your RMD Strategy
4 minutes read

How Annuities Can Transform Your RMD Strategy

Authored by: Tom Kelley, MBA The SECURE 2.0 Act, signed into law in December 2022, introduced significant updates to retirement planning rules, including changes to required minimum distributions (RMDs). These adjustments offer retirees more flexibility to manage their savings effectively while opening new opportunities for incorporating annuities into retirement plans. Among these, annuities stand…
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Building Liquidity into a High-Net-Worth Portfolio
6 minutes read

Building Liquidity into a High-Net-Worth Portfolio

Contributed by: Austin Manning, CFP® High-net-worth (HNW) individuals often face unique financial challenges. A key consideration among these is liquidity—ensuring access to cash or liquid assets when unexpected opportunities or emergencies arise. While a robust portfolio typically includes a mix of investments designed for growth, income, and preservation, building liquidity is essential for both…
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The Great Wealth Transfer is Underway: Navigating New Frontiers in Retirement
9 minutes read

The Great Wealth Transfer is Underway: Navigating New Frontiers in Retirement

The impending transfer of wealth from Baby Boomers to Millennials and Gen Z is not just an unprecedented shift in economic power, estimated at $84.4 trillion by the year 2045, but also a crucial lifeline for the latter generations who are navigating through a vastly different and more challenging economic landscape than their predecessors. Unlike the Boomers, Millennials and Gen Z have been grappling…
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